Palatka Homes under $500,000

Palatka Homes under $500,000

Welcome to Palatka, Florida – a hidden gem nestled in the heart of Putnam County! Known for its rich history and stunning natural beauty, Palatka is the perfect blend of small-town charm and vibrant community life. With the St. Johns River winding gracefully through the city, residents can enjoy a range of outdoor activities, from boating and fishing to hiking along the scenic trails. The city is also home to beautiful parks, historic architecture, and an array of local shops and restaurants that reflect the warm, welcoming spirit of its residents.

If you’re in the market for a new home, Palatka offers an impressive selection of properties under $500,000. Whether you’re a first-time homebuyer, looking to downsize, or seeking a family-friendly neighborhood, you’ll find a variety of options to suit your needs. From charming bungalows with character to modern single-family homes with spacious yards, Palatka’s real estate market caters to diverse tastes and budgets.

The community is also known for its excellent schools and a strong sense of community, making it an ideal place to raise a family or enjoy retirement. With its affordable housing options, you can experience the tranquility of small-town living without sacrificing access to modern amenities.

Explore the possibilities in Palatka, where your dream home awaits! Embrace the opportunity to live in a city that offers both natural beauty and a close-knit community atmosphere, all while staying within your budget. Come discover why Palatka is the perfect place to call home!

Newest Palatka Homes under $500,000

251 Tarpon Boulevard, Palatka
$89,900
2 Beds ⋅ 2 Baths ⋅ St Johns Harbor Sub SubDv. ⋅ 32177 Zip Code
Canal-front 2/2 mobile home with navigable access to the St. Johns River. This home is ready for your personal touch. Bring your boat and your plans, and make this waterfront property your own

251 Tarpon Boulevard, Palatka
2601 State Street, Palatka
$199,500
3 Beds ⋅ 1 Baths ⋅ Oak Terrace Sub SubDv. ⋅ 32177 Zip Code
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.

2601 State Street, Palatka
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
133 Moores Trail, Palatka
$499,900
5 Beds ⋅ 4 Baths ⋅ Metes And Bounds SubDv. ⋅ 32177 Zip Code
Two Homes + Workshop on 2+ Acres! Versatile property offering two dwellings with separate 911 addresses, making this an excellent opportunity for a family compound, extended family, or potential rental income. The main home offers 1,736 sq. ft., 3 bedrooms, 2 baths, a large utility/storage area, and a double covered carport. The second residence includes an 840 sq. ft. mobile home plus a 690 sq. ft. addition/bonus area, with approximately 1,530 sq. ft. of total heated/cooled living space. Out back is climate controlled shed (approximately 12x20 with electric and shelving. Bring all your big boy toys! Boats, ATV's, camper, etc!! This property has a 35' x 26.8' workshop featuring two roll-up doors, electricity, shelving, and is piped for and includes an air compressor. The area from the back of the main home to the front of the workshop/mobile home is completely fenced with a 14' drive-through gate, while the surrounding areas remain open for convenient driving, parking, and access. Plenty of room for family gatherings, hobbies, equipment, and outdoor activities. Just minutes to SR 19, shopping, medical facilities, downtown Palatka, the St. Johns River public boat ramp, and additional boat ramps providing access to the Ocklawaha River and Rodman Reservoir. Nice quiet area! All of the dwellings have been extremely well maintained. Comes with a low cost transferrable security system. A new metal roof will be installed prior to closing on the main home and workshop. A rare opportunity with space, flexibility, and multiple-use potential! Imagine the possibilities!!!

133 Moores Trail, 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
2107 Golf Drive, Palatka
$450,000
4 Beds ⋅ 2 Baths ⋅ Fairweather Sub SubDv. ⋅ 32177 Zip Code
Virtually Staged. Welcome home to this charming solid brick 3-bedroom, 2-bathroom home with a durable metal roof, perfectly situated on a spacious half-acre lot in a desirable community with NO HOA! Offering timeless appeal, comfortable living spaces, and plenty of room to enjoy the outdoors, this well-maintained home is an excellent opportunity for homeowners, weekend retreat seekers, or investors alike. From the moment you arrive, you'll be welcomed by the adorable, inviting front porch—the perfect spot to enjoy your morning coffee or unwind at the end of the day. Inside, the home offers fresh paint, abundant natural light, and a warm, welcoming atmosphere throughout. The spacious kitchen features plenty of cabinet storage, new appliances, and a kitchen sink positioned beneath a window overlooking the backyard, bringing in even more natural light and offering a pleasant view while you work. The two living areas provide flexibility for a variety of lifestyles. Use one as a traditional living room and the other as a family room, game room, home office, or additional gathering space. The formal dining room offers a dedicated space for family meals, holiday gatherings, and entertaining. The thoughtful layout provides a comfortable space for everyday living and entertaining. Step outside to enjoy the screened-in back porch, creating an ideal spot for relaxing, dining, or entertaining while taking in the peaceful backyard setting. A sliding glass door from one of the bedrooms provides convenient direct access to the porch, adding to the home's functionality. You'll also appreciate the carport with enclosed storage, providing covered parking along with valuable extra space for tools, equipment, hobbies, or seasonal items. The half-acre lot and NO HOA offer plenty of freedom to enjoy your property without the restrictions and fees often associated with neighborhood living. Plus, the location puts you close to schools, a nearby golf course, the St. Johns River, and a beautiful state park, making it easy to enjoy both everyday conveniences and outdoor recreation. With its solid brick construction, metal roof, spacious lot, inviting outdoor spaces, fresh paint, new appliances, and desirable NO HOA setting, this home offers an exceptional combination of comfort, character, and convenience. Come see why this charming brick home could be the one you've been waiting for!

2107 Golf Drive, 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
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