596 State Rd 20, Palatka, FL 32177 Property Records

Putnam County property record for 596 State Rd 20, Palatka, FL 32177

Property Summary

Property Type	Single Family Home
Details	2,058 sqft · built 1988
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Jul 2026)
Tax Bill	$2,886 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-10-25-0000-0060-0010`

Property Details

APN / Parcel Number

Primary APN	`15-10-25-0000-0060-0010`
Alternative APNs	`78171` `78170`

Interior

Building Area	2,058 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1990
Lot Area	87,120 sqft (2 acres)

Location & Zoning

Account Number	78171
Street Address	596 STATE ROAD 20
City	PALATKA
State	FL
Zip	32177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NW1/4 OF SW1/4 OF NW14/ OR342 P570 + PT OF W1/2 OF NW1/4 OF SW1/4 OF NW1/4 OR458 P1348 (SUBJECT TO CLAY ELECT ESMT OR1269 P186)
Legal Range	25E
Legal Township	10S
Legal Section	15
Jurisdiction	PUTNAM FL
Township / Civil Division	INTERLACHEN-FLORAHOME
Census Block Group	1
Census Block	1009
Census Tract	950202

Owner

596 State Rd 20 is owned and occupied by an individual who bought it in July 2026.

Source: Putnam County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	596 STATE ROAD 20, PALATKA, FL 32177
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 10, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Sep 10, 2021 · Amount on File
Deed Document Number	202617284
Deed Book / Page	1878 / 1150
Prior Transfer Date	Aug 31, 2006
Prior Transfer Doc	0012091513
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Jul 14, 2026
Property Address	596 STATE ROAD 20, PALATKA, FL 32177
Document Number	0000017284
Book / Page	1878 / 1150
Instrument Date	Jul 9, 2026
Instrument	202617284
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	GUARANTY LAND TITLE, GUARANTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222,705.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	596 STATE ROAD 20, PALATKA, FL 32177

Mortgage

Document Number	0000017285,
Date	Jul 14, 2026
Instrument	202617285

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Sep 10, 2021
Property Address	596 STATE ROAD 20, PALATKA, FL 32177
Document Number	0016350343
Book / Page	1635 / 343
Instrument Date	Aug 31, 2021
Instrument	202154020681
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	GUARANTY TITLE COMPANY/PALATKA, GUARANTY TITLE CO OF PALATKA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	596 REID ST # 20, 20, PALATKA, FL 32177

Mortgage

Document Number	0001635346
Date	Sep 10, 2021
Instrument	1635/346

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 596 State Rd 20 was $2,886 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	$2,886.00 Homeowner's exemption	$192,710	$194,796 Land $22,000 Building $172,796
2023	$2,566.00 (+5.64%) Homeowner's exemption	$181,830 (+3%)	$200,336 (+13.48%) Land $20,000 Building $180,336
2022	$2,429.00 Homeowner's exemption	$176,536	$176,536 Land $20,000 Building $156,536

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

Flood

FEMA maps place 596 State Rd 20 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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 596 State Rd 20 is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	50 / 10

May also be available: Xfinity.

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