Putnam County property record for 996 State Rd 20, Interlachen, FL 32148
| Property Type | Single Family Home |
|---|---|
| Details | 1,178 sqft · built 1965 |
| Lot Size | 3.82 acres (166,399 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Jan 2022) |
| Tax Bill | $2,575 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 13-10-24-0000-0140-0000 |
| Primary APN | 13-10-24-0000-0140-0000 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 6 Plumbing Fixtures |
|---|---|
| Building Area | 1,178 sqft Living Area |
| 1st Floor Area | 1,178 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Lot Area | 166,399 sqft (3.82 acres) |
| Lot Dimensions | 650 ft deep x 160 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 70 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 77079 |
|---|---|
| Street Address | 996 STATE ROAD 20 |
| City | INTERLACHEN |
| State | FL |
| Zip | 32148-2426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF W 1/2 OF NW 1/4 OR 3 P, 59 |
| Legal Range | 24E |
| Legal Township | 10S |
| Legal Section | 13 |
| Jurisdiction | PUTNAM FL |
| Township / Civil Division | INTERLACHEN-FLORAHOME |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 950201 |
Source: Putnam County records, as of December 10, 2025
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 | 30 FONTAINE LN, EAST MONTPELIER, VT 05651-4297 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit NORTH COUNTRY FCU |
| Dec 6, 2022 | Deed of Trust, Mortgage · Line of Credit NORTH COUNTRY FCU |
| Jan 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC |
| Jan 26, 2021 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2022 · Amount on Record |
| Deed Sale | Jan 6, 2022 · Amount on Record |
| Prior Sale | Jan 26, 2021 · Amount on Record |
| Deed Document Number | 2022368 |
| Deed Book / Page | 1650 / 1514 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 996 STATE ROAD 20, INTERLACHEN, FL 32148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Title Company | GULLETT TITLE INC, GULLETT TITLE |
| Name | Verified Name |
|---|---|
| Address | 996 STATE ROAD 20, INTERLACHEN, FL 32148 |
| Document Number | 0016570356 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 1657/356 |
| Instrument | 202254004332 |
| Name | NORTH COUNTRY FCU |
|---|---|
| Type | Credit Union |
| Address | SOUTH BURLINGTON, VT 05403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM FL |
| Property Address | 996 STATE ROAD 20, INTERLACHEN, FL 32148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 30 FONTAINE LN, EAST MONTPELIER, VT 05651-4297 |
| Document Number | 0016921323 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 1692/1323 |
| Instrument | 202254028727 |
| Name | NORTH COUNTRY FCU |
|---|---|
| Type | Credit Union |
| Address | SOUTH BURLINGTON, VT 05403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Nov 30, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Jan 6, 2022 |
| Property Address | 996 STATE ROAD 20, INTERLACHEN, FL 32148 |
| Document Number | 0016501514 |
| Book / Page | 1650 / 1514 |
| Instrument Date | Jan 3, 2022 |
| Instrument | 202254000368 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2023 |
| Title Company | GULLETT TITLE INTERLACHEN, GULLETT TTL OF INTERLACHEN I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $805.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 IDA BLVD, INTERLACHEN, FL 32148-7909 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 30 FONTAINE LN, EAST MONTPELIER, VT 05651-4297 |
| Document Number | 0016501516 |
|---|---|
| Date | Jan 6, 2022 |
| Instrument | 1650/1516 |
| Name | CAPITAL CITY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Feb 1, 2025 |
| Change Frequency | 6 Months |
| Min Rate At Change | 1% |
| Max Rate At Change | 5.75% |
| Index | Other |
| Max Rate | 5.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM FL |
| Recording Date | Jan 26, 2021 |
| Property Address | 996 STATE ROAD 20, INTERLACHEN, FL 32148 |
| Document Number | 0016050329 |
| Book / Page | 001605 / 000329 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 54001795 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $588.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 51 PICKETT DR ST AUGUSTINE FL 320846641, ST AUGUSTINE, FL 32084-6641 |
Source: Putnam County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Putnam County |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,575.00 (+26.91%) | $156,080 (+25.78%) Land $147,210 Building $8,870 | $156,080 (+25.78%) Land $147,210 Building $8,870 |
| 2023 | $2,029.00 (+3.63%) | $124,090 (+1.8%) | $124,090 (+1.8%) Land $110,410 Building $13,680 |
| 2022 | $1,958.00 | $121,900 | $121,900 Land $110,410 Building $11,490 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 33 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 9 (1998–2017) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 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 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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