912 Saint Johns Ave, Palatka, FL 32177 Property Records

Putnam County property record for 912 Saint Johns Ave, Palatka, FL 32177

Property Summary

Property Type	Commercial
Details	1,280 sqft · built 1946
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on Record
Tax Bill	$3,117 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`42-10-27-6850-0670-0031`

Property Details

APN / Parcel Number

Primary APN	`42-10-27-6850-0670-0031`
Alternative APN	`43019`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Units	2 Units
Building Area	1,280 sqft Gross Area
1st Floor Area	1,280 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1974
Exterior Material	Concrete Stucco
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	2,614 sqft (0.06 acres)
Garage Area	266 sqft

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	43019
Street Address	912 SAINT JOHNS AVE
City	PALATKA
State	FL
Zip	32177-4650
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DICKS MAP OF PALATKA MB2 P46 BLK 67 E 16 2/3 FT OF W1/2 OF LOT 3 (SUB TO FPL ESMT OR12321807) + OR1771 P1297 (SUB TO 15 PEDESTRIAN ESMT OR1771 P1300) + OR1771 P1309
Legal Range	27E
Legal Township	10S
Legal Section	42
Legal Subdivision	DICKS MAP/PALATKA
Legal Block	67
Legal Lot Number	3.1
Jurisdiction	PUTNAM FL
Township / Civil Division	PALATKA
Census Block Group	4
Census Block	4000
Census Tract	950800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6501 BREVARD ST, SAINT AUGUSTINE, FL 32080-7651
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL LOAN INV X LLC
Dec 12, 2025	Deed of Trust, Mortgage · Balloon Mortgage CREATIVE CASH PARTNERS LLC
Aug 14, 2024	Warranty Deed, Transfer PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TTL INS I

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Recording Date	Jun 2, 2026
Property Address	912 SAINT JOHNS AVE, PALATKA, FL 32177-4650
Document Number	0000013447
Book / Page	1872 / 376
Instrument Date	May 27, 2026
Instrument	202613447
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE AMERICA REAL ESTATE CL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000013447,
Date	Jun 2, 2026
Book Page	1872/376
Instrument	202613447

Lender

Name	COMMERCIAL LOAN INV X LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM FL
Property Address	912 SAINT JOHNS AVE, PALATKA, FL 32177-4650
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	TITLE AMERICA RE CLOSINGS INC, TTL AMERICA RE CLOSINGS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6501 BREVARD ST, ST AUGUSTINE, FL 32080-7651

Mortgage

Document Number	0018460617
Date	Dec 12, 2025
Book Page	1846/617
Instrument	202554034559

Lender

Name	CREATIVE CASH PARTNERS LLC
Type	Non-Lending Institution
Address	BENTON HARBOR, MI 49022

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM FL
Recording Date	Aug 14, 2024
Property Address	912 SAINT JOHNS AVE, PALATKA, FL 32177-4650
Document Number	0017711306
Book / Page	1771 / 1306
Instrument Date	Aug 8, 2024
Instrument	202454021470
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	PALATKA ABSTRACT AND TITLE GUARA, PALATKA ABSTRACT & TTL INS I

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 CORBINA WAY E, MELROSE, FL 32666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6501 BREVARD ST, SAINT AUGUSTINE, FL 32080-7651

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,117.00 (+70.14%)	$123,580 (+45.51%) Land $15,680 Building $107,900	$123,580 (+45.51%) Land $15,680 Building $107,900
2023	$1,832.00 (+15.29%)	$84,930 (+31.31%)	$84,930 (+31.31%) Land $10,460 Building $74,470
2022	$1,589.00	$64,680	$64,680 Land $10,460 Building $54,220

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

Flood

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 Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · Hurricane Matthew

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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