124 Cypress Dr, Palatka FL 32177, PALATKA, FL, 32177
Active166 days on marketListed Feb 28, 2026MLS #A11973967
About this home
124 Cypress Dr, Palatka FL 32177
This 3-bedroom, 2-bath mobile home offers a spacious living room with a fireplace and sits on over 1 acre with a huge backyard. The property has electricity, well water, and a septic tank in place. Remodeling was started but not completed, giving the new owner the opportunity to finish and customize to their taste. The unfinished renovations are reflected in the price, making it more affordable than comparable properties in the area and a great value-add opportunity.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1985
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$857 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$857/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Palatka
Get to know Palatka. See the full Palatka guide →
PALATKA 32177 — neighborhood snapshot
Population
26,046
Median age
41.6
Median income
$47,486
Median home value
$158,800
Avg household
2.4
Households w/ children
3,008
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palatka market
$191K → $230K
Palatka median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 124 Cypress Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$247,000
1074 EMPORIA ROAD · same community
2 bd · 1 ba · 716 sqft · $345/sqft · 11 DOM
Sold · Dec ’25$130,000
5640 SW 57TH AVENUE · same community
2 bd · 1 ba · 756 sqft · $172/sqft · 78 DOM
Sold · Dec ’25$168,500
12860 SW 174TH STREET · same community
3 bd · 1 ba · 816 sqft · $206/sqft · 83 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 124 Cypress Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 Cypress Dr — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
124 Cypress Dr FAQs
What would the monthly payment be for 124 Cypress Dr, Palatka FL 32177?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $857/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 124 Cypress Dr, Palatka FL 32177?+
The most recent tax bill on record (2025) was $844. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 124 Cypress Dr, Palatka FL 32177?+
The listing reports pets: More Than 20 Lbs. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palatka?+
At $99,000, this home is listed about 62% below the Palatka median of $259,950. The market section on this page shows how the area is trending.
Which schools are assigned to 124 Cypress Dr, Palatka FL 32177?+
William D. Moseley Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALATKA 32177 market on paper
$99,000 is 32% below the PALATKA 32177 median of $146,500.
02None views
The none view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
166 days on market against a Palatka median of 75 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Partnership Realty Inc. · Fernando Lima. MLS #A11973967.
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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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