$285,000
138 KELLEY SMITH SCHOOL Road, Palatka, FL 32177
Palatka
- Price
- $285,000
- Beds / Baths
- 4 / 2
- Living area
- 1,543 sqft
- Year built
- 2026
- Type
- Residential
- Lot
- —
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 238
NEW CONSTRUCTION 4-BEDROOM HOME NOW OFFERED AT $285,000! Inside you'll find a beautiful, yet functional open floor plan with 9-foot ceilings, luxury vinyl plank flooring, granite counters, soft-close cabinetry, stainless steel appliances, and matte black lighting. Blinds are already installed throughout, and the garage floor is finished in epoxy. Built to last: fiber cement siding, shingle roof, and pre-wired for ceiling fans, internet, TV, and phone. One-car garage for extra storage. Backed by a 1-year builder warranty and 10-year structural warranty. Minutes from HCA Florida Putnam Hospital, shopping, the St. Johns River, and Downtown Palatka. Centrally located from Gainseville and Saint Augustine Beach!
What to check on this one
- Confirm exact flood zone designation and obtain elevation certificate if required.
- Verify builder warranty documents: 1-year workmanship, 10-year structural coverage details.
- Request new-construction final walk-through checklist and punch-list completion status.
- Confirm all pre-wired systems (internet, TV, phone, ceiling fans) are functional.
- Verify homeowner's insurance quote availability and any builder-imposed restrictions.
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 $228,000 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 MAXREV, LLC. Data via realMLS (Northeast Florida MLS), updated Aug 21, 2026, 12:41 AM.
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