$249,900
656 STATE ROAD 20, Palatka, FL 32177
Metes & Bounds
- Price
- $249,900
- Beds / Baths
- 3 / 2
- Living area
- 1,528 sqft
- Year built
- 1935
- Type
- Residential
- Lot
- 1.33 ac
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 0
: Adorable home on 1.33 acres!! This parcel features a 2-bedroom home with a spacious, connected 550 sq ft area, ideal for a master suite or running a home-based business studio, boutique or professional practice. This home has been completely rewired, new metal roof, heat and air, new plumbing, new flooring, water heater and appliances. Detached 694 sq ft garage for more storage, man cave or workshop
What to check on this one
- Verify flood zone designation with FEMA map—elevation certificate required if AE/VE
- Confirm roof installation date and manufacturer warranty details in writing
- Review all permitted work: electrical, plumbing, HVAC, additions—pull permits from Putnam County
- Inspect septic system capacity and drain field location on 1.33 acres
- Get 4-point inspection report (roof, plumbing, electrical, HVAC) for insurer quote
- Request receipts/warranties for rewiring, plumbing, water heater, appliances, flooring
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 $199,920 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 TEAM FLORIDA REALTY SERVICES INC. Data via realMLS (Northeast Florida MLS), updated Jun 25, 2026, 2:33 PM.
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