$799,900
520 RIVER Street, Palatka, FL 32177
Dicks Map
- Price
- $799,900
- Beds / Baths
- 4 / 4
- Living area
- 3,132 sqft
- Year built
- 1912
- Type
- Residential
- Lot
- 0.5 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 132
$255/sqft asking, vs a $162/sqft median across 257 closed sales in 32177 over the last 12 months — 57% above the area's closed prices. Condition and lot vary; that's what a showing is for.
RARE FIND! HISTORY AT IT'S BEST! CIRCA 1912 IN PALATKA'S SOUTH HISTORIC DISTRICT LOCATED ON THE ST JOHNS RIVER! This beautiful 2-story gem built by Warner T. Hamm was designed with red brick, wood and shingles on the exterior with a welcoming (12 x 32) front porch to enjoy the gorgeous river views and breezes! The interior features mahogany & white enamel trim, incredible craftsmanship throughout, original hardwood floors in excellent condition, grand living room with a brick gas fireplace which opens onto the renovated Florida Room. Home has a spacious dining room with a gas fireplace as well which leads to the breakfast nook with built in china cabinet just off the kitchen. Additional features and upgrades include 100' of concrete bulkhead, rear screen porch, double garage, basement, stairs leading to the attic, architectural shingle roof & tankless gas water heater 2020, HVAC 2025 & irrigation system. MUST SEE! One of the owners, Philips Leary, holds an active FL Real Estate License
What to check on this one
- Verify exact flood zone designation and elevation certificate requirement for St. Johns River waterfront.
- Obtain full roof inspection report; 1912 home requires detail on current shingles' age and condition.
- Confirm 4-point and wind-mitigation inspection eligibility; get insurance quotes before closing.
- Review bulkhead maintenance history and any Army Corps permitting for 100' concrete structure.
- Inspect basement for water intrusion history, especially given riverfront location and age.
- Verify HVAC 2025 installation completion and tankless water heater 2020 warranty documentation.
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 $639,920 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 CENTURY 21 BECKHAM REALTY. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 9:22 PM.
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