SW 6TH TERRACE, PALATKA, FL, 32177
Active251 days on marketListed Nov 24, 2025MLS #O6362434
About this home
SW 6TH TERRACE
Discover the perfect blend of space, flexibility, and country charm with this 1.13-acre property in Palatka. Zoned Residential Agricultural, this versatile parcel offers endless possibilities—whether you’re looking to build your dream home, place a manufactured home, or create your own private retreat. With electricity conveniently nearby, you’ll have a head start on bringing your vision to life. Enjoy the peace and privacy of rural living while still being just a short drive from local shopping, dining, and the scenic St. Johns River. Property Highlights: * 1.13 acres of usable land * Residential Agricultural zoning for flexible use * Ideal for site-built or manufactured homes * nearby for easy utility access * Quiet location with plenty of room to spread out If you’ve been searching for the perfect place to build, invest, or escape the hustle and bustle, this property is full of potential. Don’t miss your opportunity to own a piece of Florida land in a growing area!
Facts & features
The home at a glance
1.13 ac
Lot size
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.
$290 /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
$290/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.
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 85% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near SW 6TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$100,000
120 SHAGGY LANE
4 bd · 2 ba · 1,920 sqft · $52/sqft · 19 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 SW 6TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SW 6TH TERRACE — 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
SW 6TH TERRACE FAQs
What would the monthly payment be for SW 6TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $290/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 SW 6TH TERRACE?+
The most recent tax bill on record (2024) was $82. 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 $19,500, this home is listed about 92% below the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to SW 6TH TERRACE?+
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
01Under the PALATKA 32177 market on paper
$19,500 is 85% below the PALATKA 32177 median of $134,000.
02Time on market is leverage
251 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 $23,000, now $19,500 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Sascha Davis. MLS #O6362434.
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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