$540,000
117 S 3RD Street, Palatka, FL 32177
Dicks Map
- Price
- $540,000
- Beds / Baths
- 3 / 2
- Living area
- 2,356 sqft
- Year built
- 1884
- Type
- Residential
- Lot
- 0.26 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 384
- High school
- Palatka
$229/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 41% above the area's closed prices. Condition and lot vary; that's what a showing is for.
This home offers the best of both worlds, historic character with tasteful modern updates. Many original features including a fireplace, beautiful solid wood front door, sunporch with views of the majestic St Johns River and an enclosed back porch that leads to the backyard that will be your own private oasis. Updated bathrooms and a huge kitchen with new state of the art appliances that any chef would envy. The second story attic is insulated and could be finished to create additional living space. The house is zoned for either commercial or residential use and is within the South Historic District. Located one block from the St Johns River and historic downtown Palatka, this is your opportunity to be a part of Palatka's renaissance!
What to check on this one
- Verify actual flood zone designation and elevation certificate for St Johns River proximity
- Get professional structural inspection — 1884 home needs foundation, framing, settling assessment
- Confirm roof age and material; verify insurer will cover pre-1900 wood-frame construction
- Review zoning change process and commercial-use restrictions in South Historic District
- Inspect plumbing (likely cast iron) and electrical systems; budget for potential upgrades
- Check attic insulation and load capacity before planning second-story conversion
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $432,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of DUCK REALTY INC. Data via realMLS (Northeast Florida MLS), updated Jul 17, 2026, 9:45 PM.
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. Information is deemed reliable but not guaranteed.