306 FLORIDA DRIVE, PALATKA, FL, 32177
Active29 days on marketListed Jun 24, 2026MLS #OM726849
About this home
306 FLORIDA DRIVE
Opportunity awaits with this affordable 3-bedroom, 1-bath home situated on nearly a quarter-acre lot in Palatka. Whether you're searching for your first home, a rental property, or your next investment project, this property offers plenty of potential and value. Built in 1948, this 768-square-foot home features a brand-new roof installed in January 2026, providing a major update for the next owner. The fully fenced yard offers space for pets, gardening, or outdoor activities, while the detached shed provides additional storage for tools and equipment. Conveniently located near St. Johns River State College, HCA Florida Putnam Hospital, Putnam County Fairgrounds, Putnam County Airport, shopping, dining, and other local amenities, you'll appreciate the convenience of being close to work, school, healthcare, shopping, and entertainment. Affordable opportunities like this are becoming harder to find. With a new roof already in place and plenty of potential to add value, this property is ideal for investors, first-time buyers, or anyone looking for an affordable home with room to make it their own. With key improvements already completed and room to add your personal touches, this home is ready for its next chapter.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
768
Sqft
0.23 ac
Lot size
1948
Year built
One
Levels
$137
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.
$859 /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
$859/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 22% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
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 306 FLORIDA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 306 FLORIDA DRIVE — 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
306 FLORIDA DRIVE FAQs
What would the monthly payment be for 306 FLORIDA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $859/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 306 FLORIDA DRIVE?+
The most recent tax bill on record (2025) was $408. 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 $105,000, this home is listed about 60% below the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 306 FLORIDA DRIVE?+
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.
Listing courtesy of LPT REALTY, LLC · Matthew Tinkham. MLS #OM726849.
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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