$169,900
2108 KIRBY Street, Palatka, FL 32177
Center Street
- Price
- $169,900
- Beds / Baths
- 2 / 1
- Living area
- 876 sqft
- Year built
- 1957
- Type
- Residential
- Lot
- 0.32 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 242
The Perfect Starter Home on .32 Acres! This charming 2-bedroom, 1-bath home offers comfort, convenience, and valuable updates. The property features a three-year-old roof, a two-year-old AC unit, new Hot water Heater and a privacy-fenced backyard, providing peace of mind and added outdoor enjoyment. A newer addition in the backyard offers a flexible space ideal for a game room or office. Enjoy Florida living on the screened-in porch, perfect for relaxing year round. The home is turn-key ready, offering manageable outdoor space while still providing privacy. Located close to in-town amenities, shopping, and dining, this property is a must-see for first-time buyers or anyone seeking a versatile home.
What to check on this one
- Verify flood zone designation with Putnam County—obtain FEMA map or elevation certificate if in AE/VE.
- Confirm roof age documentation; three-year-old claim requires receipts and contractor details.
- Request AC unit and water heater purchase records with warranty transfer eligibility.
- Inspect plumbing for polybutylene or cast-iron—1957 build likely requires full assessment.
- Obtain septic and well inspection records; verify both systems passed recent service.
- Review addition's permits, electrical work, and structural compliance with county records.
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 $135,920 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 TIMBER TO TIDES REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Jul 13, 2026, 2:15 AM.
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