121 HERJA ACRE LANE, PALATKA, FL, 32177
Active233 days on marketListed Dec 12, 2025MLS #FC314694
About this home
121 HERJA ACRE LANE
Welcome to 121 Herja Acre Lane, a spacious and well-maintained home set on a full acre with over 3,000 sq ft of comfortable living space. Inside, you'll find a large kitchen with granite countertops and a breakfast bar, an electric fireplace, and generously sized bedrooms—including a fourth bedroom that can easily serve as a second primary suite. Walk-in closets provide excellent storage throughout. Enjoy the outdoors with a fully fenced yard, a large back deck, a covered front porch, brick exterior, and a charming front fountain. Roof from 2016. The property also includes a detached 2-car garage, offering plenty of room for vehicles, tools, or a workshop. With its open layout, spacious rooms, and thoughtful upgrades, this home delivers the space and flexibility you're looking for.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,841
Sqft
0.99 ac
Lot size
2
Garage
1973
Year built
One
Levels
$146
Per sqft
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.
$3,986 /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
$3,986/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs NONE
$146 vs $339
Days on market
233 vs 42 typical
Where $146/sqft sits among the 271 homes for sale in NONE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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
$182K → $279K
Palatka median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
100 of 271
NONE have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 318% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 121 HERJA ACRE LANE
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$3,200,000
15650 W HIGHWAY 318 · same community
5 bd · 5.5 ba · 4,600 sqft · $696/sqft · 158 DOM
Sold · Jul ’26$311,760
7320 MARLO ROAD · same community
3 bd · 3 ba · 2,584 sqft · $121/sqft · 78 DOM
Sold · Jan ’26$410,000
301 CLARK STREET · same community
4 bd · 4 ba · 2,582 sqft · $159/sqft · 204 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 121 HERJA ACRE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 HERJA ACRE LANE — 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
121 HERJA ACRE LANE FAQs
What would the monthly payment be for 121 HERJA ACRE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,986/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 121 HERJA ACRE LANE?+
The most recent tax bill on record (2025) was $3,382. 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 $560,000, this home is listed about 115% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 121 HERJA ACRE LANE?+
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
01Positioned at the premium end
$560,000 runs 318% above the PALATKA 32177 median — but at 3,841 sqft it's also nearly 3 times the size of the typical Palatka listing.
02Time on market is leverage
233 days on market against a Palatka median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $595,000, now $560,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEACH STATE REALTY · Justin Petrucci. MLS #FC314694.
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.
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