MLS #FC319953, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot11,325 sqft

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About this home

MLS #FC319953 is a home in St Johns Harbor Sub, Palatka. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

This is a great opportunity to build your dream home in the heart of Palatka, FL. This property offers opportunities for recreational and tournament fishing on the ST. JOHNS RIVER which is right down the street. You'll have the chance to enjoy your favorite water activities, including boating, fishing, and kayaking. You can build your dream home in a prime location with no HOA fees, no Flood Zone. This lot is ready for your manufactured, modular, or traditional single-family home.

The essentials

On market
89 days
Annual tax
$264
Flood zone
X · Low risk
Lot
11,325 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$136/mo
Down payment (20%)
$3,980
Property taxes
$22/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
11,325 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
89
Flood Zone X
Annual Tax (2025)
$264
Parcel #
35-08-27-8152-0170-0070

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
St Johns Harbor Sub
County
Putnam
MLS Area
32177 - Palatka
Lot Size
11,325 sqft

Price history

Date
Event
Price
7/14/2026
Listed for sale
Source: Stellar MLS #FC319953
$19,900

Neighborhood

Map unavailable for this listing.

Calculator

Est. monthly payment
$136/mo
Principal & interest$104
Property taxes$22
Insurance$10
Down payment20% · $3,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$19,900

Time on market

89 days

Monthly payment

About $136/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $264 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byEXIT REALTY FIRST CHOICEListing agent: Jadwiga WalochListing data from Stellar MLS, MLS# FC319953.

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