1206 S 12TH STREET, PALATKA, FL, 32177
Active112 days on marketListed Apr 15, 2026MLS #O6399611
About this home
1206 S 12TH STREET
Build your vision from the ground up on this affordable lot in Palatka, FL. Priced to sell quickly, this as-is property is a great option for those looking to create a custom home or invest in land for the future. Enjoy the flexibility and value this parcel provides at an unbeatable price point.
Facts & features
The home at a glance
0.17 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.
$343 /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
$343/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
$191K → $230K
Palatka median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 77% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 1206 S 12TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$196,000
2007 SHERMAN AVENUE
3 bd · 1 ba · 960 sqft · $204/sqft · 106 DOM
Sold · Sep ’25$183,000
102 FERNWOOD STREET
3 bd · 2 ba · 981 sqft · $187/sqft · 0 DOM
Sold · Jan ’26$101,793
1510 PRESIDENT STREET
3 bd · 1 ba · 1,036 sqft · $98/sqft · 149 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 1206 S 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1206 S 12TH 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
1206 S 12TH STREET FAQs
What would the monthly payment be for 1206 S 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $343/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 1206 S 12TH STREET?+
The most recent tax bill on record (2025) was $371. 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 $24,000, this home is listed about 91% below the Palatka median of $263,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1206 S 12TH 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.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6399611.
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 1206 S 12TH 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 →