Putnam County property record for 442 S Francis St, Interlachen, FL 32148
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 2,354 sqft · built 1988 |
| Lot Size | 1.71 acres (74,785 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $167,500 (Aug 2002) |
| Tax Bill | $3,401 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-10-24-0000-0060-0000 |
| Primary APN | 22-10-24-0000-0060-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 2,354 sqft Living Area |
| Gross Area | 1,904 sqft |
| 1st Floor Area | 1,600 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Lot Area | 74,785 sqft (1.71 acres) |
| Lot Dimensions | 296 ft deep x 140 ft wide |
| Garage Type | Attached |
| Garage Area | 304 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 560 sqft |
| Deck Area | 175 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 77437 |
|---|---|
| Street Address | 442 S FRANCIS ST |
| City | INTERLACHEN |
| State | FL |
| Zip | 32148-5483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF NW1/4 BK181 P129 BK182 P596 |
| Legal Range | 24E |
| Legal Township | 10S |
| Legal Section | 22 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | INTERLACHEN-FLORAHOME |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 950500 |
Source: Putnam County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 442 S FRANCIS ST, INTERLACHEN, FL 32148-5483 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 4, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2002 · Amount on Record |
| Deed Sale | Aug 28, 2002 · Amount on Record |
| Deed Document Number | 2002447389 |
| Deed Book / Page | 905 / 1585 |
| Last Transfer Date | Apr 23, 2024 |
| Transfer Doc | 0017550013 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 442 S FRANCIS ST # 1, 1, INTERLACHEN, FL 32148-5483 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 442 S FRANCIS ST, INTERLACHEN, FL 32148-5483 |
| Document Number | 0018561263 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 1856/1263 |
| Instrument | 202654004357 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Nov 4, 2025 |
| Property Address | 442 S FRANCIS ST # 1, 1, INTERLACHEN, FL 32148-5483 |
| Document Number | 0018400543 |
| Book / Page | 1840 / 543 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 202554030954 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 442 S FRANCIS ST # 1, 1, INTERLACHEN, FL 32148-5483 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 442 S FRANCIS ST # 1, 1, INTERLACHEN, FL 32148-5483 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 442 S FRANCIS ST # 1, 1, INTERLACHEN, FL 32148-5483 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 442 S FRANCIS ST, INTERLACHEN, FL 32148-5483 |
| Document Number | 0016061863 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 1606/1863 |
| Instrument | 202154002955 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
Source: Putnam County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Municipality | Interlachen Town |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,401.00 (+9.46%) | $180,000 (+2.9%) | $274,970 (-6.32%) Land $36,980 Building $237,990 |
| 2024 | $3,107.00 (-7.61%) Senior Citizen's exemption | $174,930 (+3%) | $293,530 (+2.7%) Land $36,980 Building $256,550 |
| 2023 | $3,363.00 (+4.83%) Homeowner's exemption | $169,840 (+3%) | $285,800 (+14.27%) Land $36,980 Building $248,820 |
| 2022 | $3,208.00 Homeowner's exemption | $164,900 | $250,120 Land $33,480 Building $216,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (1997–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INTERLACHEN WS serves 791 people · EPA ID FL2541180 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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