175 E SAN JOSE STREET, PALATKA, FL, 32177
Pending79 days on marketListed May 15, 2026MLS #OM724823
About this home
175 E SAN JOSE STREET
Discover peace and privacy at the end of a quiet road, situated half a mile off the main thoroughfare. Built in 2016, this beautifully maintained 1,860 sq ft home offers the perfect blend of country living and modern convenience.Step inside to an expansive open-concept layout seamlessly connecting the large living room, dining area, and a chef-ready kitchen. The kitchen boasts a functional center island and an abundance of cabinet storage. Every bedroom in this home features its own generous walk-in closet, maximizing storage and comfort.Outside, a massive concrete patio provides the ideal footprint for outdoor entertainment and gatherings. The standout feature is a massive 920 sq ft pole barn, fully equipped with dedicated work space, a private office, and extra storage. Property runs on a well and septic system. Tractor and mower attachments are negotiable; all other personal property will be removed prior to closing. Don't miss this 10-year-young property!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,860
Sqft
2.64 ac
Lot size
2016
Year built
One
Levels
$175
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.
$2,254 /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
$2,254/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 N/A
$175 vs $288
Days on market
79 vs 42 typical
Where $175/sqft sits among the 227 homes for sale in N/A
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 Saint Johns Manor Acres
Get to know Palatka. See the full Palatka guide →
Saint Johns Manor Acres — neighborhood snapshot
Population
306
Median age
40
Median income
$56,683
Median home value
$113,200
Avg household
3
Households w/ children
43%
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)
105 of 227
N/A have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 143% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 175 E SAN JOSE 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$375,000
12112 CR 727 · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 DOM
Sold · Dec ’25$485,000
29655 SE 152ND (RAVENSWOOD) PLACE · same community
3 bd · 2 ba · 1,800 sqft · $269/sqft · 10 DOM
Sold · Dec ’25$388,750
2103 NW 142ND AVENUE · same community
3 bd · 2 ba · 1,728 sqft · $225/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 175 E SAN JOSE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 175 E SAN JOSE 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
175 E SAN JOSE STREET FAQs
What would the monthly payment be for 175 E SAN JOSE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,254/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 175 E SAN JOSE STREET?+
The most recent tax bill on record (2025) was $446. 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 $325,000, this home is listed about 25% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 175 E SAN JOSE STREET?+
Kelley Smith 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 PLATINUM HOMES AND LAND REALTY · Jorge DeSousa. MLS #OM724823.
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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