NONE, PALATKA, FL, 32177
Active93 days on marketListed Apr 17, 2026MLS #O6399719
About this home
NONE
**GREAT OPPORTUNITY – FOR SALE VACANT AGRICULTURAL LOT 1.72 ACRES ** PRICED BELOW APPRAISED VALUE Spacious 1.72-acre vacant lot offered at $18,800, which is $5,000 BELOW its recent appraised value of $23,800. LAND USE: 003 RESIDENTIAL ACRES. ZONED AG – AGRICULTURAL. Located in Putnam County, this property offers excellent potential for a custom home, recreational use, or long-term investment (buyer to verify permitted uses). Ample space provides flexibility for site planning, privacy, and future value appreciation. Quiet setting with convenient access to surrounding areas. IDEAL FOR INVESTORS OR END USERS LOOKING TO SECURE LAND AT A DISCOUNTED BASIS. BUYER TO CONDUCT DUE DILIGENCE REGARDING ZONING, UTILITIES, AND ACCESS.
Facts & features
The home at a glance
1.72 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$299 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$299/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Palatka
Get to know Palatka. See the full Palatka guide →
PALATKA 32177 — neighborhood snapshot
Population
26,046
Median age
41.6
Median income
$47,486
Median home value
$158,800
Avg household
2.4
Households w/ children
3,008
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palatka market
$182K → $279K
Palatka median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 86% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about NONE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for NONE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
NONE FAQs
What would the monthly payment be for NONE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $299/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on NONE?+
The most recent tax bill on record (2025) was $245. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palatka?+
At $18,800, this home is listed about 93% below the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to NONE?+
William D. Moseley Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALATKA 32177 market on paper
$18,800 is 86% below the PALATKA 32177 median of $134,000.
02Time on market is leverage
93 days on market against a Palatka median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $23,800, now $18,800 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA CAPITAL REALTY · Amilcar Fuentes. MLS #O6399719.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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