220 S 4TH STREET, PALATKA, FL, 32177
Active51 days on marketListed Jun 7, 2026MLS #FC319102
About this home
220 S 4TH STREET
A Rare Opportunity to Own a Piece of Florida History Step back in time while enjoying the comforts of today in the remarkable Seavers House, a beautifully restored historic residence dating back to 1871. Nestled within Palatka's celebrated South Historic District, this architectural treasure represents a bygone era of elegance, craftsmanship, and Southern hospitality. Positioned on a prominent corner lot just moments from the St. Johns River, this stunning property offers a rare combination of historical significance, residential comfort, and commercial flexibility. Originally constructed during Florida's steamboat and railroad boom, the home has been lovingly restored to showcase its timeless character while accommodating modern living. Inside, visitors are greeted by soaring ceilings, original architectural details, rich wood flooring, and the kind of craftsmanship that simply cannot be replicated today. Every room tells a story, preserving the charm and grace of nineteenth-century Florida while creating an inviting atmosphere for family, guests, or visitors. The home's location within Palatka's historic district places it among some of Northeast Florida's most treasured Victorian and period residences, where tree-lined streets and grand historic homes evoke the elegance of another age. Whether envisioned as an extraordinary private residence, boutique bed-and-breakfast, vacation rental, professional office, event venue, or mixed-use investment, the property's zoning flexibility opens the door to countless possibilities. Imagine mornings on the porch with river breezes drifting through the neighborhood, afternoons exploring Palatka's revitalized downtown, and evenings entertaining beneath the glow of a home that has witnessed more than 150 years of Florida history. Properties of this caliber rarely become available. More than a home, 220 South 4th Street is a living piece of Florida's heritage—carefully preserved, thoughtfully restored, and ready for its next steward. Historic. Elegant. Irreplaceable. Welcome to one of Palatka's most captivating historic residences.ALL FURNISHINGS ARE NEGOTIABLE! “Circa 1871 Seavers House | Magazine-Quality Restoration | Historic District Gem | Airbnb/ Commercial Residential Possibilities
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,876
Sqft
0.28 ac
Lot size
1871
Year built
Two
Levels
$266
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.
$3,436 /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
$3,436/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
$266 vs $173
Days on market
51 vs 42 typical
Where $266/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)
16 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 273% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 220 S 4TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$118,000
221 S 5TH STREET · same community
4 bd · 2.5 ba · 2,129 sqft · $55/sqft · 201 DOM
Sold · Dec ’25$155,000
1701 WAPALAW STREET · same community
2 bd · 1 ba · 840 sqft · $185/sqft · 89 DOM
Sold · Dec ’25$86,000
406 BEECH STREET
3 bd · 2 ba · 1,890 sqft · $46/sqft · 7 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 220 S 4TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 S 4TH 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
220 S 4TH STREET FAQs
What would the monthly payment be for 220 S 4TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,436/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 220 S 4TH STREET?+
The most recent tax bill on record (2025) was $1,348. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 220 S 4TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palatka?+
At $499,900, this home is listed about 92% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 220 S 4TH 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
$499,900 runs 273% above the PALATKA 32177 median — but at 1,876 sqft it's also 23% larger than the typical Palatka listing.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $550,000, now $499,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER (HAMMOCK) · Jennifer Jewels. MLS #FC319102.
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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