$175,000
146 KELLEY SMITH SCHOOL Road, Palatka, FL 32177, Palatka, FL 32177
Metes & Bounds
- Price
- $175,000
- Beds / Baths
- 3 / 1
- Living area
- 1,234 sqft
- Year built
- 1956
- Type
- Residential
- Lot
- 0.55 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 118
$142/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 13% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Francis area home! Great opportunity on a 3-bed, 1-bath home with metal roof, newer HVAC, and an over-sized lot. Features include original hardwood flooring in some areas, spacious kitchen with lots of cabinet space, a large dining room with French doors leading out to a deck, and a huge laundry room with additional storage. Outside you'll find a fenced yard, 2-car attached garage plus a detached workshop. Sited on over 1/2-acre in a convenient location close to schools, medical facilities, and shopping. Easy to personalize -- bring your vision and finish the details!
What to check on this one
- Verify exact flood zone; request FEMA flood map & elevation certificate if in AE/VE.
- Get roof inspection report; metal roof age/condition & remaining warranty.
- Order 4-point inspection (roof, HVAC, plumbing, electrical) for 1956 build.
- Confirm HVAC age, capacity, and service history; get maintenance records.
- Check for polybutylene or cast-iron plumbing; request plumber inspection if present.
- Inspect workshop structure for code compliance, permits, and foundation condition.
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 $140,000 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 COLDWELL BANKER BEN BATES INC. Data via realMLS (Northeast Florida MLS), updated Aug 12, 2026, 10:08 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.