116 ROUND LAKE CIRCLE, PALATKA, FL, 32177
Active111 days on marketListed Apr 3, 2026MLS #FC317465
About this home
116 ROUND LAKE CIRCLE
Situated on a spacious 1-acre lot, this charming Palatka property offers the perfect blend of comfort, privacy, and room to grow. The home features new flooring throughout, a cozy fireplace, and accent walls that add warmth and character to the living space. The primary bedroom is conveniently located on the first floor for added ease and functionality. Enjoy relaxing on the screened porch overlooking the expansive yard, creating a peaceful and private outdoor retreat. With plenty of space to spread out, the property includes a 2 car garage, carport, and an additional rear carport--ideal for extra vehicles, boats, equipment, or storage. The large lot provides endless possibilities for outdoor living, hobbies, or future expansion. Located just down the street from the new Kelly Smith Elementary School currently under construction, this home offers both convenience and long-term value. Well and septic in place.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,052
Sqft
1.19 ac
Lot size
2
Garage
1978
Year built
Two
Levels
$173
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.
$2,698 /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
$2,698/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 Palatka actives
$173 vs $193
Days on market
111 vs 42 typical
Where $173/sqft sits among the 22 Palatka actives
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)
14 of 22
Palatka actives have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 165% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 116 ROUND LAKE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$560,000
4634 OAK HILL STREET · same community
3 bd · 2 ba · 1,547 sqft · $362/sqft · 0 DOM
Sold · May ’26$129,675
8090 E ROUND LAKE LOOP · same community
2 bd · 1 ba · 988 sqft · $131/sqft · 27 DOM
Sold · Aug ’25$138,000
329 HORSEMAN CLUB ROAD
3 bd · 2.5 ba · 2,000 sqft · $69/sqft · 0 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 116 ROUND LAKE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 ROUND LAKE CIRCLE — 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
116 ROUND LAKE CIRCLE FAQs
What would the monthly payment be for 116 ROUND LAKE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,698/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 116 ROUND LAKE CIRCLE?+
The most recent tax bill on record (2025) was $3,490. 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 $355,000, this home is listed about 37% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 116 ROUND LAKE CIRCLE?+
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
$355,000 runs 165% above the PALATKA 32177 median — but at 2,052 sqft it's also 34% larger than the typical Palatka listing.
02Time on market is leverage
111 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 $375,000, now $355,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEACH STATE REALTY · Justin Petrucci. MLS #FC317465.
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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