Palatka Homes under $400,000

Palatka Homes under $400,000

Welcome to Palatka, Florida – a hidden gem nestled in the heart of Putnam County. Known for its picturesque landscapes and rich history, Palatka is a charming city that offers a unique blend of small-town warmth and vibrant community spirit. With its stunning views along the St. Johns River and abundant outdoor recreational opportunities, residents enjoy a lifestyle that embraces nature while being close to modern amenities.

Palatka is steeped in history, from its historic downtown district filled with quaint shops and local eateries to the beautiful parks that dot the landscape. The city hosts various events throughout the year, including the famous Blue Crab Festival, which draws visitors from all over the state. With a mild climate, Palatka is perfect for year-round outdoor activities, whether you enjoy fishing, hiking, or simply taking in the scenic beauty of the area.

For those looking to plant roots in this lovely community, Palatka boasts a diverse range of homes available for under $400,000. Whether you’re searching for a cozy bungalow, a spacious family home, or a charming cottage near the river, there’s something for everyone. These affordable options make it easy to find your dream home in a location that offers both tranquility and convenience.

With its friendly atmosphere, rich culture, and affordable housing options, Palatka is the perfect place to call home. Discover the beauty and charm of this delightful city today – your ideal home awaits!

Newest Palatka Homes under $400,000

103 Williams Street, Palatka
$235,000
4 Beds ⋅ 2 Baths ⋅ Lemon St Heights SubDv. ⋅ 32177 Zip Code
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!

103 Williams Street, Palatka
111 Cedar Avenue, Palatka
$50,000
2 Beds ⋅ 1 Baths ⋅ Glisson & Wells Sub SubDv. ⋅ 32177 Zip Code
Unlock the potential of this property with an opportunity to renovate, rebuild, or start fresh with new construction. Whether you're looking for your next investment project or a chance to create a property to your vision, this location offers plenty of possibilities. Offered at an attractive price, this property is ready for its next chapter.

111 Cedar Avenue, Palatka
1508 Roselle Avenue, Palatka
$180,000
2 Beds ⋅ 1 Baths ⋅ 5 Points Sub SubDv. ⋅ 32177 Zip Code
Cute, Cute, Cute and adorable Bungalow in the heart of Palatka, Consist of three bedrooms and one bath, fully fenced back yard with plenty of room for your deck or boat.

1508 Roselle Avenue, Palatka
113 Sabrina Ln, Palatka
$290,000
3 Beds ⋅ 2 Baths ⋅ Palatka SubDv. ⋅ 32177 Zip Code
Experience the privacy and old town comfort of 113 Sabrina Ln. This 3 bedroom, 2 bathroom home is located on a 1.56 acre lot giving you plenty of room to get creative. Enjoy peaceful evenings from the comfort of your screened in porch or the adjacent deck. There is a large shed/workshop located at the back of the property alongside other structures to do with as you please. No HOA, no CDD. All appliances remain. Water treatment system included.

113 Sabrina Ln, Palatka
110 Hollister School Road, Palatka
$269,000
4 Beds ⋅ 2 Baths ⋅ Na SubDv. ⋅ 32177 Zip Code
Lots of opportunities with two mobile homes and just under 7 acres.

110 Hollister School Road, Palatka
101 Allen Drive, Palatka
$314,000
4 Beds ⋅ 2 Baths ⋅ Interlachen Lakes Estates Dunham Wo SubDv. ⋅ 32177 Zip Code
Virtually Staged. Opportunity, acreage, and endless potential come together at 101 Allen Drive! Situated on three peaceful acres, this spacious 4-bedroom, 2-bath concrete block home offers plenty of room to make it your own. Approximately two acres are fenced, while the open rear portion of the property features a creek, creating a peaceful natural backdrop. A large barn with an interior workshop provides exceptional space for equipment, storage, hobbies, or projects. An attached three-car carport adds even more functionality to this unique property. The property is also equipped with owned solar panels, offering an energy-efficient upgrade and the potential for long-term utility savings. Lovingly held within the same family for generations, this property is ready for its next chapter. Whether you’re looking for room to spread out, space for recreational equipment, or the opportunity to personalize a home on beautiful acreage, this property offers endless possibilities. Bring your vision and discover everything 101 Allen Drive has waiting for you!

101 Allen Drive, Palatka
104 Everett Street, Palatka
$305,000
4 Beds ⋅ 2 Baths ⋅ George Fleming Grant SubDv. ⋅ 32177 Zip Code
Secluded 4/2 Manufactured home nestled on 2.27 acres, halfway down a dead-end road. Home has large owner's suite with attached sitting room/ office, large walk-in closet, and garden tub. 2 living rooms, dining area, indoor laundry room - screened back porch - storage shed - beautiful landscaping around the home. HIGH AND DRY - no flood insurance needed.

104 Everett Street, Palatka
101 Sesame Street, Palatka
$210,000
2 Beds ⋅ 3 Baths ⋅ Metes And Bounds SubDv. ⋅ 32177 Zip Code
Currently operating as a church, this 2,232 sq. ft. building is zoned Agricultural, which includes single-family residential, child & adult day care, a group home having 7 or more residents, religious facility, and more. (See list under Documents.) This offering is located on a .92 of an acre lot w/ample room for off-street parking to include RVs. A new metal roof was installed in 2025. It comes partially furnished (see list under Documents), has a full kitchen w/appliances, 3 bathrooms, a sanctuary, fellowship hall, and what could be two bedrooms or classrooms. As a church, it can accommodate 100+/- parishioners. The building has central heat and air plus 2 window A/C units. This is the same listing as in commercial

101 Sesame Street, Palatka
109 Hanpard Lane, Palatka
$89,900
2 Beds ⋅ 1 Baths ⋅ Putnam County SubDv. ⋅ 32177 Zip Code
Escape to a peaceful, rural living at this 2-bedroom, 1-bath, private Palatka home set on a spacious lot with Solar Panels, large yard perfect for gardening and outdoor entertaining. This inviting residence offers a comfortable layout ready for your personal touches. Bring your style and vision to update the interiors and create a home that truly reflects you whether that’s a modern farmhouse kitchen, cozy reading nook, or custom finishes throughout, making it the perfect canvas for your dream home or investment project. Enjoy the quiet seclusion of country living while still being just minutes from town conveniences. Property Sold "As Is"

109 Hanpard Lane, Palatka
212 Mimosa Drive, Palatka
$175,000
3 Beds ⋅ 2 Baths ⋅ Rolling Hills Sub SubDv. ⋅ 32177 Zip Code
Concrete block stucco home at 212 Mimosa Drive in Palatka, offering 3 bedrooms, 1.5 bathrooms, and no HOA. The open floor plan connects the main living spaces, while the kitchen features stainless steel appliances. A large laundry room adds everyday convenience, and recent upgrades include a new water heater and new energy-efficient windows throughout. Step outside to a spacious screened-in back porch, ideal for entertaining, overlooking a fully fenced backyard with a storage shed included for extra space. With no HOA restrictions, this Palatka home is ready for its next owner.

212 Mimosa Drive, Palatka
121 Daren Drive, Palatka
$374,899
3 Beds ⋅ 2 Baths ⋅ Interlachen Lakes Estates SubDv. ⋅ 32177 Zip Code
MOTIVATED SELLER-BRING YOUR BEST OFFER! USDA FINANCING MAY BE AVAILABLE! 100 percent financing with NO DOWN PMT. through the USDA Rural Development Program. 1.32 acres-Updated-1692 sq ft-3/2-Screened Lanai-Pool-Outside Workshop/Storage-Gazebo-Side patio for seating, dining, grilling, or entertaining. Enjoy the outdoors and bring your recreational equipment and create the lifestyle you'll love.

121 Daren Drive, Palatka
6109 W 1st Manor, Palatka
$256,000
3 Beds ⋅ 2 Baths ⋅ Webbs Viking Manor SubDv. ⋅ 32177 Zip Code
Virtually Staged. Beautifully updated 3BR/2BA home situated on a 1/4-acre cul-de-sac lot close to shopping, dining, schools, and major commuter routes. This move-in ready home features an open floor plan with abundant natural light from skylights, a spacious living area, and sliding glass doors leading to a large screened porch. The primary suite offers a walk-in closet, while the privacy-fenced backyard provides plenty of space for outdoor enjoyment. Recent improvements include a new AC system and ductwork, fresh interior and exterior paint, and new stainless steel appliances. The home also features a durable metal roof, a 2-car garage, and city water and sewer. A great opportunity to own an updated home in a convenient location. Repairs have already been started following the recent home inspection, giving buyers added confidence and peace of mind. This home is actively being improved, making it an even better opportunity for its next owner.

6109 W 1st Manor, Palatka
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