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$199,500

2601 State StreetPalatka, FL 32177

Listing updated: October 14, 2026 at 6:49 AM ET

Active

Listing courtesy of Endless Summer Realty · Kurt Bogart · MLS #FC322087 · Active · 904-461-8878

Beds

Bath

1,000

Sq Ft

0.17

Acres

1964

Built

◆$200/sqft◆360° tour

Single Family Residence

Property type

1964

Year built

7,405 sqft

Lot size

$200

Price / sq ft

No HOA

HOA dues

Day on market

Flood zone

About this home

First-time homebuyers, this may be the one you've been waiting for! Welcome to 2601 State Street in Palatka, a clean and move-in-ready 3-bedroom, 1-bath concrete block home that offers a lot at this price point. Sitting on a fully fenced corner lot, this home features a huge yard with plenty of room to make it your own. Whether you envision backyard cookouts, a fire pit, space for pets, a garden, or simply room to spread out, the outdoor space is one of the highlights of this property. The covered front porch provides another great place to relax, while the adjoining carport and decorative privacy wall create a surprisingly inviting outdoor entertaining area. Inside, you'll find a practical layout with central heating and air and plenty of opportunity to add your own personal touches over time. Public water and sewer add to the everyday convenience.

Estimated monthly payment

Principal & interest$1,009

Property taxes$242

Home insurance (est.)$91

Down payment

20%

$39,900 downRate

6.5%

Term

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

Status: Active
Oct 13, 2026
Listed$199,500
Oct 13, 2026

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 1
Subdivision: Oak Terrace Sub
County: Putnam
Year built: 1964
Living area: 1,000 sq ft
Price/sq ft: $200
Building area: 1,537 sq ft (Public Records)
Lot size: 7,405 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12107C0194C)
Annual taxes: $2,909 (2025)
Parcel #: 13-10-26-6550-0020-0120
Zoning: R-2
MLS #: FC322087

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Interior Details

Bedrooms: 3
Full bathrooms: 1
Flooring: Laminate
Appliances: Dryer, Microwave, Range, Refrigerator, Washer
Interior features: Other
Laundry: Laundry Closet, Outside
Stories / Levels: One
Direction faces: North

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 0
Carport: Yes

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: Private Yard
Construction materials: Block
Roof: Metal
Foundation: Block
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: None
Utilities: Electricity Connected, Sewer Connected, Water Connected

Room Details

Room	Level	Dimensions
Kitchen	First	7.7x10.2
Living Room	First	15.4x23.4
Bathroom 1	First	5x10.1
Primary Bedroom	First	10.1x12.9
Bedroom 2	First	9.2x9.3
Bedroom 3	First	11.2x10.2

Listing Details

Listing date: 2026-10-06
On market date: 2026-10-13
Original list price: $199,500
Occupant type: Vacant
MLS area: 32177 - Palatka
Listing AOR: Suncoast Tampa
Status changed: 2026-10-13
Tax legal description: OAK TERRACE S/D MB3 P146 BLK 2 LOT 12 (EX THE WEST 8FT) OR121 P460

Flood risk

Minimal riskFEMA Zone XPanel 12107C0194C

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

Take Exit 311 for SR-207 toward Palatka. Travel west on SR-207 approximately 22 miles. Turn right onto US-17 North toward Palatka. Continue into Palatka, turn left onto Moseley Avenue, right onto Silver Lake Drive, then left onto State Street. Home will be on the right.

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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 October 14, 2026 at 6:49 AM 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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