Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$229,000

104 HEIDT Lane, Palatka, FL 32177

Metes & Bounds

Price
$229,000
Beds / Baths
3 / 2
Living area
1,537 sqft
Year built
1972
Type
Residential
Lot
0.98 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
130

$149/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 8% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Charming concrete block home on 1+/- acre, just minutes from town. This bright, cheerful 3-bed, 2-bath ranch home has been lovingly maintained and it really shows. Features include a sun-filled living room, spacious kitchen, open dining area, and an enclosed rear porch that could add additional living space. The primary suite includes an attached private bath, and the two additional bedrooms offer room for guests or office. The oversized laundry room has additional storage cabinets. Outside you'll find a large detached 2 car garage and rear patio. The corner lot offers an expansive yard with plenty of open space and nice trees, perfect for gardening, pets, or outdoor entertaining. Brand new septic system installed July 2026. Zoned Agricultural and no HOA. Conveniently located with quick access to shopping and schools.

What this home really costs per month

Principal & interest$1,188/mo
Property tax (1.1% eff., Putnam Co.)$210/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,690/mo

Loan $183,200 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 COLDWELL BANKER BEN BATES INC. Data via realMLS (Northeast Florida MLS), updated Aug 12, 2026, 10:14 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.