Commercial Lease · Retail
120 N 9TH STREET, PALATKA, FL, 32177
Active1214 days on marketListed Apr 7, 2023MLS #FC290415
About this property
The property at a glance
Prime commercial opportunity on a high-visibility corner in the heart of Downtown Palatka! This space is being delivered as a vanilla shell, offering a clean slate for your business to design and build out exactly to your needs. The interior features expansive open square footage with newly finished drywall, framed areas, and an open ceiling-suited for retail, office, medical, or service-based use. Flexible configurations available with up to approximately 3,400 SF, or the option to divide into two units of roughly 1,700 SF each. Excellent frontage along a main road with strong daily traffic counts, generous on-site parking with additional overflow area-perfect for high-traffic businesses, and neighboring national retailers driving consistent exposure. A standout opportunity in a rapidly growing area.
3,400
Building sq ft
$2
Price / sq ft
0.17
Lot acres
1973
Year built
1
Building
C-2
Zoning
Retail
Property type
The numbers
Investment snapshot
NNN
Lease structure
12 Months
Lease term
Estimated payment (illustrative)
Estimated payment
$700/mo
Illustrative only. Commercial loans are underwritten on the property’s income (DSCR, cap rate) — typically 25–35% down with lender-set terms. Ask a commercial lender for real numbers. 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.
Financing
Commercial financing works differently from a home loan — expect roughly 25–35% down with terms driven by the property’s income and your lender’s underwriting (DSCR, cap rate), not FHA or VA programs. Ask David to connect you with a commercial lender for real numbers.
Where it sits
Location & trade area
What’s nearby
Business data © OpenStreetMap contributors
The area
Who's around this property
26,046
Population
$47,486
Median income
41.6
Median age
2.4
Avg household
$158,800
Median home value
$940/mo
Median rent
3,008
Households w/ kids
Recent sales
What actually sold near 120 N 9TH STREET
The most comparable commercial properties that changed hands nearby. No two are identical — ask us for a full comparative analysis.
$420,000
600 REID STREET
1,387 sqft · $303/sqft · Sold Feb 20, 2026
$250,000
119 N 4TH STREET
3,967 sqft · $63/sqft · Sold Jul 14, 2026
$549,000
2401 CRILL AVENUE
4,144 sqft · $132/sqft · Sold Dec 19, 2025
Your team
The pros in your corner
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, offers, and every question about 120 N 9TH STREET — start here.
Financing contact
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Ask about commercial financing options for 120 N 9TH STREET.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Listing courtesy of CHARLES UMPENHOUR INC · Savannah Umpenhour. MLS #FC290415.
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 Stellar MLS.
Never miss a listing
New PALATKA listings, in your inbox
A daily digest of every new listing in PALATKA — straight from the MLS, hours after it goes live. Unsubscribe anytime.