103 Williams St, photo 1
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Overview

4 bd2 ba1,299 sqftSingle Family
TypeSingle Family
HOANone listed
Built1961
Lot14,810 sqft
Living area1,299 sqft
Price / sqft$181

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About this home

Convection OvenMicrowaveRefrigerator

103 Williams St is a 1961-built home in Lemon St Heights, Palatka. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,299 square feet of living space. Listed at $235,000 (about $181/sqft), 15 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Fresh updates and inviting curb appeal welcome you to 103 Williams Street! This move-in-ready, 4-bedroom, 2-bath home features a brand-new roof, new flooring, fresh interior and exterior paint, and all-new stainless steel appliances. With approximately 1,299 square feet of living space, the layout offers room to relax, gather, and make the space your own. Landscaping around the home adds a welcoming finishing touch, while the approximately 0.34-acre lot provides outdoor space for gardening, recreation, or enjoying the Florida sunshine. Located in Palatka near local shopping, dining, and everyday conveniences, this home is ready for its next chapter. Schedule your showing and see the updates in person!

The essentials

Built
1961
Price / sqft
$181
On market
15 days
Annual tax
$1,374
Flood zone
X · Low risk
Lot
14,810 sqft
Type
Single Family Residence

At a glance

Single family
Built 1961
0.34 acres
Lot size
1,299 sqft
Living area

Payment

Est. monthly payment
$1,458/mo
Down payment (20%)
$47,000
Property taxes
$115/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1961
Lot
14,810 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
15
Convection Oven
Microwave
Refrigerator
Flood Zone X
Annual Tax (2025)
$1,374
Parcel #
01-10-26-5200-0210-0080

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
Lemon St Heights
County
Putnam
MLS Area
32177 - Palatka
Lot Size
14,810 sqft

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #FC321788
$235,000
$181/sqft

Neighborhood

103 Williams St
Palatka, FL, 32177 · 32177 - Palatka

Market insights

Offer Insights

Choose an offer strength

List price: $235,000
$225,000 – $235,000
95.6% – 100% of listTops out right at the list price
80% of listList price
18 of the last 34 home closings in 32177 landed at this number or higher (53%). The median one sat 60 days before it went under contract, and this one is on day 15.

Sample: 34 closed home sales in 32177 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,458/mo
Principal & interest$1,226
Property taxes$115
Insurance$118
Down payment20% · $47,000
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

$235,000

$181 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,299 sq ft

Time on market

15 days

Year built

1961

Monthly payment

About $1,458/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,374 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.

Offer

What should I offer?

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Brokered byRE/MAX SIGNATUREListing agent: Clarissa SwartzlanderListing data from Stellar MLS, MLS# FC321788.

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