$174,900
111 ELM Avenue, Palatka, FL 32177, Palatka, FL 32177
Palatka
- Price
- $174,900
- Beds / Baths
- 4 / 1
- Living area
- 1,270 sqft
- Year built
- 1978
- Type
- Residential
- Lot
- 0.27 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 60
$138/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 15% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Welcome to Elm Avenue, this 4 bedroom single family home was just recently updated and renovated for the next owner. Built to last with concrete block and brick construction, this home also sits on a large .27 acre high and dry lot with plenty of room for decks or water features. There are upgrades galore, from roof to floors. Some of the recent notable updates include; architectural shingle roof replaced, new well equipment, low-e windows added, new water heater, new AC, fresh paint inside and out, LVP floors added throughout, kitchen and bath remodeled. The location is ideal, just a short drive to St. Johns Ave. for all your riverside dining and shopping, or spend a day at Ravine Gardens State Park. Enjoy area parks, boat ramps, and laid-back North Florida living in Putnam County or head to St.Augustine for day at the beach. Schedule your showing today!
What to check on this one
- Verify roof installation date and warranty documentation—critical for insurance approval.
- Confirm well equipment service history and most recent inspection/testing results.
- Request elevation certificate if property is in flood zone AE or VE.
- Review all renovation permits and final inspections with city of Palatka.
- Obtain septic system inspection report and pumping records if applicable.
- Check plumbing material—confirm no polybutylene or cast-iron lines remain.
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 $139,920 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 ONE SOTHEBY'S INTERNATIONAL REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 12, 2026, 9:17 PM.
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