136 Utah ST, Palatka FL 32640, PALATKA, FL, 32640
Active118 days on marketListed Apr 23, 2026MLS #A12006755
About this home
136 Utah ST, Palatka FL 32640
Discover this 0.11-acre (4,791 sq ft) lot situated in a quiet and peaceful neighborhood surrounded by natural beauty. This property offers corner asphalt road access, NO HOA, and is located in Flood Zone X (minimal flood risk), providing flexibility and added peace of mind for plans. OWNER FINANCING AVAILABLE – NO CREDIT REQUIRED. Great opportunity to invest in your future or build your own site-built home, modular home, or mobile home. Enjoy nearby outdoor recreation, including fishing, kayaking, biking, running, rollerblading, and horseback riding along the scenic Gainesville-Hawthorne State Trail and surrounding parks. Conveniently located just 25 minutes to Gainesville, 30 minutes to Ocala, 1 hour 30 minutes to Jacksonville, and 1 hour 45 minutes to Orlando.
Facts & features
The home at a glance
0.11 ac
Lot size
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.
$212 /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
$212/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 32640 — neighborhood snapshot
Population
10,780
Median age
46.2
Median income
$58,727
Median home value
$153,600
Avg household
2.51
Households w/ children
1,120
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 91% below the PALATKA 32640 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 136 Utah ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$244,000
105 SLIPPER WAY
3 bd · 2 ba · 1,040 sqft · $235/sqft · 33 DOM
Sold · Apr ’26$260,580
109 SANDPIPER DRIVE
3 bd · 2 ba · 1,440 sqft · $181/sqft · 53 DOM
Sold · Jan ’26$211,000
131 FRANKLIN DRIVE
3 bd · 2 ba · 1,456 sqft · $145/sqft · 154 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 136 Utah ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 136 Utah ST — 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
136 Utah ST FAQs
What would the monthly payment be for 136 Utah ST, Palatka FL 32640?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $212/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 136 Utah ST, Palatka FL 32640?+
The most recent tax bill on record (2025) was $28. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palatka?+
At $7,800, this home is listed about 97% below the Palatka median of $252,000. The market section on this page shows how the area is trending.
Which schools are assigned to 136 Utah ST, Palatka FL 32640?+
Ochwilla Elementary School (elementary), Interlachen Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Realty One Group Plus · Clarice Almeida. MLS #A12006755.
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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