461 OLD STARKE ROAD, PALATKA, FL, 32177
Active94 days on marketListed Apr 22, 2026MLS #FC317957
About this home
461 OLD STARKE ROAD
Escape to your own private retreat on 19.38+/- acres, where peaceful country living meets modern comfort. Surrounded by majestic oak trees and tucked away from neighboring homes, this exceptional property offers the privacy, space, and freedom that are increasingly hard to find. This cozy 3-bedroom, 2-bath home offers an open-concept floor plan with soaring vaulted ceilings that create a bright and spacious living area. The updated kitchen seamlessly connects to the main living space, making it ideal for entertaining, hosting family gatherings, or enjoying everyday life. A unique loft with a spiral staircase adds extra versatility, providing the perfect space for a guest room, home office, or kids’ playroom. Recent improvements include a freshly painted exterior (2026), updated kitchen appliances (2026), washer and dryer (2026), primary shower (2024) and a roof installed (2016), offer added value and peace of mind. These updates, along with the property's private well (2025) and septic system (2024), enhance the self-sufficient country lifestyle this home provides. Step outside and discover everything this remarkable acreage has to offer. The property is cross-fenced and includes multiple outbuildings, providing ample space for livestock, horses, equipment, workshops, hobbies, or additional storage. With no HOA restrictions, you'll have the flexibility to create the lifestyle you've envisioned. Whether you're dreaming of a horse property, hobby farm, flourishing gardens, ATV trails, outdoor adventures, or simply a peaceful place to enjoy nature, this versatile property is ready to accommodate your plans. Established hunting opportunities and abundant wildlife make it equally appealing for outdoor enthusiasts and sportsmen. Enjoy the tranquility of rural living without sacrificing convenience. Downtown Palatka is approximately 20 minutes away, Gainesville is about 45 minutes, and the beaches of St. Augustine are roughly one hour away. Outdoor recreation is close at hand, with Etoniah Creek State Forest just 15 minutes away, offering miles of horseback riding trails, hiking, wildlife viewing, and opportunities to experience Florida's natural beauty. Opportunities to own nearly 20 private acres with an updated home, usable land, and this level of versatility are becoming increasingly rare. Whether you're searching for a full-time homestead, weekend retreat, or a property with room to grow, this is the place that offers the space, privacy, and potential to make your vision a reality.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,170
Sqft
19.38 ac
Lot size
1991
Year built
Two
Levels
$406
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.
$3,543 /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
$3,543/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 NON SUB
$406 vs $267
Days on market
94 vs 42 typical
Where $406/sqft sits among the 11 homes for sale in NON SUB
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)
7 of 11
NON SUB have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 297% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 461 OLD STARKE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$180,000
11 62ND STREET · same community
2 bd · 3 ba · 1,155 sqft · $156/sqft · 239 DOM
Sold · Mar ’26$365,000
1039 NE 25TH STREET · same community
3 bd · 2 ba · 1,255 sqft · $291/sqft · 299 DOM
Sold · May ’26$283,500
101 TOMAHAWK ROAD · same community
3 bd · 2 ba · 1,040 sqft · $273/sqft · 142 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 461 OLD STARKE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 461 OLD STARKE ROAD — 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
461 OLD STARKE ROAD FAQs
What would the monthly payment be for 461 OLD STARKE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,543/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 461 OLD STARKE ROAD?+
The most recent tax bill on record (2025) was $4,525. 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 $475,000, this home is listed about 83% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 461 OLD STARKE ROAD?+
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
$475,000 runs 297% above the PALATKA 32177 median.
02Time on market is leverage
94 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 $500,000, now $475,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GREAT EXPECTATIONS REALTY · Amanda Edwards. MLS #FC317957.
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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