Florida county guide
Putnam County real estate: closing costs, taxes and market data
What it costs to buy and sell a home in Putnam County, Florida, with the state's own formulas and the latest market figures.
Market snapshot
Putnam County is a mostly rural county in Northeast Florida along the St. Johns River, with an estimated 77,734 residents in 2025. Palatka is the county seat. Redfin reports that the median sale price for all home types was $290,600 in September 2026, up 18.6% from a year earlier.
Main cities: Palatka, Crescent City, Interlachen, Welaka, Pomona Park, East Palatka, San Mateo
Closing costs at common prices
| Sale price | Deed doc stamps | Owner's title policy | Note doc stamps + intangible tax (80% loan) |
|---|---|---|---|
| $250,000 | $1,750 | $1,325 | $1,100 |
| $290,000 | $2,030 | $1,525 | $1,276 |
| $500,000 | $3,500 | $2,575 | $2,200 |
| $750,000 | $5,250 | $3,825 | $3,300 |
Deed doc stamps are $0.70 per $100 of the price and are normally paid by the seller. In Putnam County the seller customarily pays the owner's title policy, at Florida's promulgated rate. Buyers with a loan also pay $0.35 per $100 on the note and 0.2% intangible tax. Property tax uses the county's typical millage less the $50,000 homestead exemption, so it's an estimate; check the property appraiser for any parcel.
Flood risk
Properties along the St. Johns River, Crescent Lake and the county's many other lakes may be in FEMA special flood hazard areas, so buyers should check the FEMA flood map and get flood insurance quotes before closing.
Local offices
Questions agents and buyers ask
- How much are doc stamps in Putnam County?
- On a $290,600 sale, deed doc stamps are about $2,034 ($0.70 per $100 of the price). The seller normally pays them.
- Who pays for title insurance in Putnam County?
- By custom the seller pays for the owner's title policy. At $290,600 it's about $1,530 at Florida's promulgated rate; the contract can say otherwise.
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Sources
- Putnam County, FL Housing Market - Redfin
- Putnam County - Data Commons (U.S. Census Bureau data)
- Putnam County Property Appraiser
Market figures researched November 3, 2026.