424 Cedar Creek Rd, Palatka, FL 32177 Property Records

Putnam County property record for 424 Cedar Creek Rd, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,048 sqft · built 1955
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$178,500 (Dec 2019)
Tax Bill	$9,833 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-08-27-1020-0000-0180`

Property Details

APN / Parcel Number

Primary APN	`23-08-27-1020-0000-0180`
Alternative APN	`2561`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,048 sqft Living Area
1st Floor Area	1,048 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1974
Exterior Material	Wood Siding/Shingle
Roof Type	Gable/Hip
Lot Area	54,886 sqft (1.26 acres)
Lot Dimensions	487 ft deep x 26 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	2561
Street Address	424 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 18) OR110 P699
Legal Range	27E
Legal Township	08S
Legal Section	23
Legal Subdivision	BUNCHS SUB
Legal Lot Number	3
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	1
Census Block	1002
Census Tract	950100

Owner

424 Cedar Creek Rd is owned and occupied by two individuals who bought it in December 2019.

Source: Putnam County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	424 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 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Nov 23, 2020	Deed of Trust, Construction Loan · Construction Mortgage GREG GOMBERT
Dec 16, 2019	Warranty Deed, Transfer GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC
Oct 24, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2019 · Amount on File
Deed Sale	Dec 16, 2019 · Amount on File
Deed Document Number	201922347
Deed Book / Page	1563 / 364
Prior Transfer Date	Nov 22, 2019
Prior Transfer Doc	0015610727
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	424 CEDAR CREEK RD, PALATKA, FL 32177-6917
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	TITLE AMERICA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 CEDAR CREEK RD, PALATKA, FL 32177-6917

Mortgage

Document Number	0016340139
Date	Sep 1, 2021
Book Page	1634/139
Instrument	202154019941

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

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

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	Nov 23, 2020
Property Address	424 CEDAR CREEK RD, PALATKA, FL 32177-6917
Document Number	0015971249
Book / Page	001597 / 001249
Instrument Date	Nov 12, 2020
Instrument	54021315
Transaction Type	Construction Loan
Record Updated	Dec 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	424 CEDAR CREEK RD PALATKA FL 321776917, PALATKA, FL 32177-6917

Mortgage

Document Number	15971249
Date	Nov 23, 2020
Book Page	001597/001249
Instrument	54021315

Lender

Name	GREG GOMBERT
Address	4777 HOOD RD, JACKSONVILLE, FL 32257-1113

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	24 Months
Due	Nov 22, 2022

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Dec 16, 2019
Property Address	424 CEDAR CREEK RD, PALATKA, FL 32177-6917
Document Number	0015630364
Book / Page	001563 / 000364
Instrument Date	Nov 27, 2019
Instrument	54022347
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$1,249.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3308 THUNDER RD MIDDLEBURG FL 320687305, MIDDLEBURG, FL 32068-7305

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM FL
Recording Date	Oct 24, 2019
Property Address	424 CEDAR CREEK RD, PALATKA, FL 32177-6917
Document Number	0015580642
Book / Page	001558 / 000642
Instrument Date	Oct 21, 2019
Instrument	54019107
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 221 BRYCEVILLE FL 320090221, BRYCEVILLE, FL 32009-0221

Tax Assessment & Valuation

The 2025 property tax bill for 424 Cedar Creek Rd was $9,833 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	$9,833.00 Homeowner's exemption	$604,150	$695,950 Land $204,020 Building $491,930
2023	$9,160.00 (+5.53%) Homeowner's exemption	$587,200 (+3.83%)	$689,770 (+15.3%) Land $180,020 Building $509,750
2022	$8,680.00 Homeowner's exemption	$565,560	$598,260 Land $168,010 Building $430,250

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

Flood

FEMA maps place 424 Cedar Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 424 Cedar Creek Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	25 / 5
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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