506 E BAY STREET, PALATKA, FL, 32177
Active127 days on marketListed Mar 18, 2026MLS #FC316889
About this home
506 E BAY STREET
One or more photo(s) has been virtually staged. Welcome to this stunning newly built custom home situated on a spacious double lot! Constructed with durable concrete block, this move-in-ready property offers both quality and style with a fully fenced backyard—perfect for pets, entertaining, or relaxing outdoors. Step inside to discover a bright, open-concept floor plan featuring 10-foot ceilings, 8-foot doors, LED lighting, and luxury vinyl flooring throughout. The split-bedroom layout provides privacy and functionality for modern living. At the heart of the home is a beautifully designed kitchen, complete with quartz countertops, a large center island ideal for gatherings, solid wood cabinets with soft-close features, and ample space for cooking and entertaining. The spacious primary suite offers a true retreat with a large walk-in closet and an elegant en-suite bathroom featuring a beautifully tiled walk-in shower and dual sink vanity with quartz countertops. Enjoy outdoor living in the fully fenced backyard, complete with a concrete pad perfect for BBQs and gatherings. This exceptional home combines thoughtful design and modern finishes—schedule your showing today before this gem is gone!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,561
Sqft
0.21 ac
Lot size
1959
Year built
One
Levels
$157
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.
$1,749 /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
$1,749/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.
vs edgeAI estimate
−23%
Days on market
127 vs 42 typical
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)
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
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 506 E BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 506 E BAY STREET — 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
506 E BAY STREET FAQs
What would the monthly payment be for 506 E BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,749/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 506 E BAY STREET?+
The most recent tax bill on record (2025) was $456. 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 $245,000, this home is listed about 6% below the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 506 E BAY STREET?+
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
$245,000 runs 83% above the PALATKA 32177 median.
02Time on market is leverage
127 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 $269,900, now $245,000 — a $25K cut. The full history is in the market section below.
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Jesse Warmka. MLS #FC316889.
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 homes, in your inbox
Like 506 E BAY STREET but not quite? A daily digest of every new listing in Palatka — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →