418 Cedar Creek Rd, Palatka, FL 32177 Property Records

Putnam County property record for 418 Cedar Creek Rd, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2,452 sqft · built 2008
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,226 (2025)
Deeds & Mortgages	Sep 2022 Transfer Dec 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`23-08-27-1020-0000-0150`

Property Details

APN / Parcel Number

Primary APN	`23-08-27-1020-0000-0150`
Alternative APN	`2557`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Building Area	2,452 sqft Living Area
Gross Area	3,050 sqft
1st Floor Area	2,452 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Roof Type	Gable/Hip
Lot Area	61,420 sqft (1.41 acres)
Lot Dimensions	498 ft deep x 30 ft wide
Garage Type	Attached
Garage Area	598 sqft
Porch	Finished/Screened Porch
Porch Area	838 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	2557
Street Address	418 CEDAR CREEK RD
City	PALATKA
State	FL
Zip	32177-6917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF GOVT LOTS 3 + 4 (BUNCHS, S/D UNREC LOT 15) OR110 P482, (EX OR793 P325)
Legal Range	27E
Legal Township	08S
Legal Section	23
Legal Subdivision	RIVER COVE
Legal Lot Number	3
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1002
Census Tract	950100

Owner

418 Cedar Creek Rd is owned and occupied by two individuals who acquired it in September 2022.

Source: Putnam County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	418 CEDAR CREEK RD, PALATKA, FL 32177-6917
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Intrafamily Transfer, Transfer
Dec 2, 2021	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 16, 2022
Transfer Doc	0016841521
Record Updated	Jun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM FL
Recording Date	Sep 19, 2022
Property Address	418 CEDAR CREEK RD, PALATKA, FL 32177-6917
Document Number	0016841521
Book / Page	1684 / 1521
Instrument Date	Sep 16, 2022
Instrument	202254022982
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 CEDAR CREEK RD, 418, PALATKA, FL 32177-6917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	418 CEDAR CREEK RD, PALATKA, FL 32177-6917

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Dec 2, 2021
Property Address	418 CEDAR CREEK RD, PALATKA, FL 32177-6917
Document Number	0016460884
Book / Page	1646 / 884
Instrument Date	Nov 30, 2021
Instrument	202154027760
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,137.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 CEDAR CREEK RD, PALATKA, FL 32177-6917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4980 FLOWERS CHAPEL RD APT Q87, Q87, DOTHAN, AL 36305-5313

Mortgage

Document Number	0001646887
Date	Dec 2, 2021
Instrument	1646/887

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 418 Cedar Creek Rd was $10,226 with a homeowner's exemption.

Source: Putnam County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,226.00 Homeowner's exemption	$627,390 Land $192,470 Building $434,920	$627,390 Land $192,470 Building $434,920
2023	$10,216.00 (+12.64%)	$619,020 (+12.9%)	$619,020 (+12.9%) Land $169,830 Building $449,190
2022	$9,070.00	$548,280	$548,280 Land $158,510 Building $389,770

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 418 Cedar Creek Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective February 2, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 108 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	108 in force
Nearby Flood Claims	76 (1999–2024)
Claims Outside the SFHA	8 of 76
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 20 claims Hurricane Matthew, Oct 2016 · 32 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 418 Cedar Creek Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	25 / 5

Cell Coverage

5G and 4G LTE (outdoors only)

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