Putnam County property record for 7208 Stuart St, Palatka, FL 32177
| Property Type | Single Family Home |
|---|---|
| Details | 1,388 sqft · built 2006 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $177,000 (Jan 2021) |
| Tax Bill | $4,672 (2025) |
| Deeds & Mortgages | Sep 2024 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-10-26-9005-0770-0390 |
| Primary APN | 09-10-26-9005-0770-0390 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 11 Plumbing Fixtures |
|---|---|
| Building Area | 1,388 sqft Living Area |
| Gross Area | 1,808 sqft |
| 1st Floor Area | 1,388 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 100 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 62878 |
|---|---|
| Street Address | 7208 STUART ST |
| City | PALATKA |
| State | FL |
| Zip | 32177-9202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF W1/2 OF SE1/4 OR628, P1259 (LOT 39 TIERRA WOODS, UNRECORDED S/D) |
| Legal Range | 26E |
| Legal Township | 10S |
| Legal Section | 09 |
| Legal Subdivision | TIERRA WOODS |
| Legal Block | 77 |
| Legal Lot Number | 39 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | PALATKA |
| Census Block Group | 3 |
| Census Block | 3077 |
| Census Tract | 950600 |
7208 Stuart St is owned and occupied by two individuals who bought it in January 2021.
Source: Putnam County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7208 STUART ST, PALATKA, FL 32177-9202 |
| 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.
| Date | Document |
|---|---|
| Sep 11, 2024 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Jan 29, 2021 | Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on File |
| Deed Sale | Jan 29, 2021 · Amount on File |
| Prior Sale | Jan 28, 2013 · Amount on File |
| Deed Document Number | 20212123 |
| Deed Book / Page | 1605 / 1156 |
| Prior Transfer Date | Jan 14, 2013 |
| Prior Transfer Doc | 0013380529 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 7208 STUART ST, PALATKA, FL 32177-9202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7208 STUART ST, PALATKA, FL 32177-9202 |
| Document Number | 0017751934 |
|---|---|
| Date | Sep 11, 2024 |
| Book Page | 1775/1934 |
| Instrument | 202454024239 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Aug 20, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Jan 29, 2021 |
| Property Address | 7208 STUART ST, PALATKA, FL 32177-9202 |
| Document Number | 0016051156 |
| Book / Page | 1605 / 1156 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 202154002123 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,239.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7208 STUART ST, PALATKA, FL 32177-9202 |
| Document Number | 16051159 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 1605/1159 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 7208 Stuart St was $4,672 with a homeowner's exemption.
Source: Putnam County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Municipality | Palatka City |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,672.00 Homeowner's exemption | $217,170 | $223,200 Land $20,000 Building $203,200 |
| 2023 | $4,250.00 (+7.24%) Homeowner's exemption | $204,910 (+3%) | $229,840 (+15.53%) Land $20,000 Building $209,840 |
| 2022 | $3,963.00 Homeowner's exemption | $198,950 | $198,950 Land $20,000 Building $178,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7208 Stuart St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 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.
Wildfire risk around 7208 Stuart St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 | R.C. WILLIS WTP (CITY OF PALATKA) serves 11,900 people · EPA ID FL2544260 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 17 ppb (2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes resolved · Oct 2024 Haloacetic acids resolved · Jan 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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