220 4th Street, FL
Stellar MLS

$550,000

220 4th Street

Palatka, FL 32177

Listing updated: June 8, 2026 at 1:07 PM ET

Active
2
Beds
2
Baths
1,876
Sq Ft
0.28
Acres
1871
Built
Water viewFireplace$293/sqft
Single Family Residence

Property type

1871

Year built

12,197 sqft

Lot size

$293

Price / sq ft

No HOA

HOA dues

1

Day on market

X

Flood zone

About this home

A Rare Opportunity to Own a Piece of Florida History Step back in time while enjoying the comforts of today in the remarkable Seavers House, a beautifully restored historic residence dating back to 1871. Nestled within Palatka's celebrated South Historic District, this architectural treasure represents a bygone era of elegance, craftsmanship, and Southern hospitality. Positioned on a prominent corner lot just moments from the St. Johns River, this stunning property offers a rare combination of historical significance, residential comfort, and commercial flexibility. Originally constructed during Florida's steamboat and railroad boom, the home has been lovingly restored to showcase its timeless character while accommodating modern living. Inside, visitors are greeted by soaring ceilings, original architectural details, rich wood flooring, and the kind of craftsmanship that simply cannot be replicated today. Every room tells a story, preserving the charm and grace of nineteenth-century Florida while creating an inviting atmosphere for family, guests, or visitors. The home's location within Palatka's historic district places it among some of Northeast Florida's most treasured Victorian and period residences, where tree-lined streets and grand historic homes evoke the elegance of another age. Whether envisioned as an extraordinary private residence, boutique bed-and-breakfast, vacation rental, professional office, event venue, or mixed-use investment, the property's zoning flexibility opens the door to countless possibilities. Imagine mornings on the porch with river breezes drifting through the neighborhood, afternoons exploring Palatka's revitalized downtown, and evenings entertaining beneath the glow of a home that has witnessed more than 150 years of Florida history. Properties of this caliber rarely become available. More than a home, 220 South 4th Street is a living piece of Florida's heritage—carefully preserved, thoughtfully restored, and ready for its next steward. Historic. Elegant. Irreplaceable. Welcome to one of Palatka's most captivating historic residences. “Circa 1871 Seavers House | Magazine-Quality Restoration | Historic District Gem | Airbnb/ Commercial Residential Possibilities

Estimated monthly payment

Principal & interest$2,781
Property taxes$112
Home insurance (est.)$252

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1 days on market

  1. Status: Active
    Jun 8, 2026
  2. Listed$550,000
    Jun 7, 2026
  3. Price increased$550,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Subdivision
Palatka
County
Putnam
Year built
1871
Living area
1,876 sq ft
Price/sq ft
$293
Building area
2,200 sq ft (Public Records)
Lot size
12,197 sq ft
Lot category
1/4 to less than 1/2
Flood zone
X
Annual taxes
$1,348 (2025)
Parcel #
42-10-27-6850-0260-0040
Zoning
DB
MLS #
FC319102

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Interior Details

Bedrooms
2
Full bathrooms
1
Half bathrooms
1
Flooring
Wood
Appliances
Convection Oven, Dishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator
Interior features
Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Other, PrimaryBedroom Upstairs, Solid Wood Cabinets, Window Treatments
Laundry
Other
Stories / Levels
Two
Direction faces
East
Fireplace
Yes

Heating & Cooling

Heating
Central, Electric, Heat Pump
Cooling
Central Air

Parking

Attached garage
No
Parking features
Driveway, Ground Level, Parking Pad

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Homestead exemption
Yes
Min lease term
No Minimum
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Awning(s), Garden, Lighting, Private Entrance, Sidewalk
Construction materials
Frame, Wood Siding
Roof
Metal
Foundation
Crawlspace
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Community

Pets allowed
Yes

Schools

High SchoolPalatka High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Living RoomFirst
KitchenFirst
Primary BedroomSecond

Listing Details

Listing date
2026-06-07
On market date
2026-06-07
Original list price
$550,000
Occupant type
Owner
MLS area
32177 - Palatka
Listing AOR
Flagler
Status changed
2026-06-08
Tax legal description
DICKS MAP OF PALATKA MB2 P46 BLK 26 S 80FT OF LOT 4

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

HEADING WEST ON HWY 17 OVER THE PALATKA MEMORIAL BRIDGE TURN LEFT ON 4TH STREET HOME ON R PARKING IN TH REAR OF HOME

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 8, 2026 at 1:07 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA