561-Greater Palatka Homes under $400,000

561-Greater Palatka Homes under $400,000

Welcome to Greater Palatka, a hidden gem nestled in the heart of Putnam County, Florida. Known for its rich history and charming Southern flair, this vibrant neighborhood is perfect for families, retirees, and anyone looking to embrace a laid-back lifestyle. With a picturesque backdrop of lush landscapes and the serene St. Johns River, Greater Palatka offers a tranquil escape while still being just a stone's throw away from the bustling amenities of downtown Palatka.

One of the most appealing aspects of Greater Palatka is the affordability of its housing market. You can find a variety of beautiful homes under $400,000, making it an ideal choice for first-time buyers or those looking to downsize. From cozy bungalows to spacious family homes, the options are diverse, catering to various tastes and needs. Many properties feature inviting yards, perfect for outdoor gatherings, gardening, or simply enjoying the Florida sunshine.

The community is rich in recreational opportunities, with numerous parks, hiking trails, and waterfront activities available for residents. Whether you enjoy fishing, boating, or simply taking leisurely strolls along the river, Greater Palatka has something for everyone. The local schools are well-regarded, making it a great place to raise a family.

In Greater Palatka, you’ll not only find a home but a welcoming community that embraces the charm of small-town living. Discover your dream home today, and experience the warmth and hospitality that this delightful neighborhood has to offer!

Newest 561-Greater Palatka Homes under $400,000

2601 State Street, Palatka
$199,500
3 Beds ⋅ 1 Baths ⋅ 2167849 MLS
First-time homebuyers, this may be the one you've been waiting for! Welcome to 2601 State Street in Palatka, a clean and move-in-ready 3-bedroom, 1-bath concrete block home that offers a lot at this price point. Sitting on a fully fenced corner lot, this home features a huge yard with plenty of room to make it your own. Whether you envision backyard cookouts, a fire pit, space for pets, a garden, or simply room to spread out, the outdoor space is one of the highlights of this property. The covered front porch provides another great place to relax, while the adjoining carport and decorative privacy wall create a surprisingly inviting outdoor entertaining area. Inside, you'll find a practical layout with central heating and air and plenty of opportunity to add your own personal touches over time. Public water and sewer add to the everyday convenience. And you don't have to sacrifice location for the extra space. You're approximately 7 minutes from downtown Palatka, with shopping, dining, the St. Johns River, and everyday necessities close by. Clean, vacant, easy to show, and ready for its next owner. For a first-time buyer looking for an affordable home with a huge, fenced yard and room to make it their own, 2601 State Street is worth a look.

2601 State Street, Palatka
127 East Street, Palatka
$259,000
5 Beds ⋅ 3 Baths ⋅ 2167392 MLS
New 5-bedroom, 3-bath home in Palatka, FL! This 2026 manufactured home offers over 2,000 square feet of move-in-ready living in the heart of Putnam County. The open floor plan centers on a large kitchen island, and two separate living areas give you room for a family room, den, playroom, or media space. The split floor plan places the primary suite, with its own private bath, on one side of the home, and four additional bedrooms offer flexibility for guests, a home office, or a gym. Three full bathrooms mean no waiting in the morning. It's brand-new construction with no renovations needed. It's in town, minutes from shopping, dining, parks, and everyday conveniences in Palatka. Looking for a large new home in Palatka without the wait to build? Schedule your showing today. Some photos are virtually staged with AI.

127 East Street, Palatka
103 Williams Street, Palatka
$235,000
4 Beds ⋅ 2 Baths ⋅ 2167203 MLS
Virtually Staged. Fresh updates and inviting curb appeal welcome you to 103 Williams Street! This move-in-ready, 4-bedroom, 2-bath home features a brand-new roof, new flooring, fresh interior and exterior paint, and all-new stainless steel appliances. With approximately 1,299 square feet of living space, the layout offers room to relax, gather, and make the space your own. Landscaping around the home adds a welcoming finishing touch, while the approximately 0.34-acre lot provides outdoor space for gardening, recreation, or enjoying the Florida sunshine. Located in Palatka near local shopping, dining, and everyday conveniences, this home is ready for its next chapter. Schedule your showing and see the updates in person!

103 Williams Street, Palatka
7320 Old Wolf Bay Road, Palatka
$329,900
3 Beds ⋅ 2 Baths ⋅ 2166898 MLS
Enjoy the best of country living with the convenience of town nearby! Located just outside the city limits on the west side of Palatka, this completely remodeled 3-bedroom, 2-bath home sits on over an acre of land, featuring a fully chain-link-fenced yard, low-maintenance vinyl siding, and a large yard to enjoy the outdoors. Hardwood flooring throughout the home adds warmth and character, while the tiled bathrooms provide a stylish, durable finish. The well-appointed kitchen features all energy star stainless steel appliances, including a convection oven with air fryer functionality, an induction cooktop, a large sink, and a dishwasher. A convenient pot-filler faucet is installed at the stove, adding a thoughtful touch for everyday cooking. The modern bathrooms feature stylish LED mirrors and automatic toilets, adding a touch of luxury and convenience to the home's updated interior. Relax and entertain on the screened back porch or take a refreshing dip in the above-ground pool. The property also features a home security system. Outside you will find a spacious workshop/garage with an attached covered carport for two vehicles, plus a second carport with space for an additional two or more vehicles. Conveniently located just a few minutes from shopping and the hospital, and approximately 5 miles from the city dock, where you can enjoy boating, fishing, and all the water activities the beautiful St. Johns River has to offer. Come see this charming home today!

7320 Old Wolf Bay Road, Palatka
302 Belmont Drive, Palatka
$188,900
3 Beds ⋅ 1 Baths ⋅ 2166406 MLS
Open concept living recently transformed to meet your every desire. From the moment you enter the home, it features an abundance of 2026 upgrades. Newly vinyl plank flooring welcomes your first step in and continues the design through the entire home. Beautifully featured stainless steel newly installed appliances and stainless sink give luxury to the installed cabinets with a custom countertop. As you enter the hall just wait to see the remodeled bathroom design with new fixtures throughout and today's colors of beige, brown and blacks in mind for your taste. Bedrooms have fashionable cooling ceiling fans. Bright clean fresh neutral tones of paint inside and out. Best of all, a metal roof was installed and vinyl windows in 2026 giving you years of life. Dream of the moments you will have knowing these beautiful upgrades will boast for years to come. Ravines State Park and City Golf Course near for recreation opportunities.

302 Belmont Drive, Palatka
302 S 14th Street, Palatka
$259,000
3 Beds ⋅ 2 Baths ⋅ 2165946 MLS
New construction 3-bedroom, 2-bath home in Palatka, FL! This move-in-ready 1,425 sq ft home sits on a 0.17-acre lot in the heart of town, built with durable, low-maintenance Hardie board siding, a shingle roof, and a one-car garage. Inside, the open floor plan features luxury vinyl plank flooring throughout, so there's no carpet to replace. The kitchen comes equipped with quartz countertops, stainless steel appliances, and plenty of cabinet storage. The primary suite includes a private bath, and two additional bedrooms share a second full bathroom, giving you room for guests, a home office, or hobbies. It's brand new with nothing to update, minutes from shopping, dining, schools, and everything Palatka has to offer. If you've been searching for a new home in Palatka at a manageable size, schedule your showing today.

302 S 14th Street, Palatka
915 S 13th Street, Palatka
$195,000
2 Beds ⋅ 1 Baths ⋅ 2165249 MLS
Welcome to the 13th Street Cottage! A solid 1950 block home on a large lot, less than a mile from Ravine Gardens State Park and the St. Johns River. This 2-bedroom, 1-bath cottage has been updated where it counts, with a remodeled kitchen featuring quartz countertops and a metal roof installed in 2022. The kitchen comes equipped with a dishwasher, range, and refrigerator, and central heat and air, public water and sewer, and no HOA keep things simple. Front and back porches give you a spot for morning coffee and evening downtime, and the spacious backyard has room to garden, entertain, or just spread out. Downtown Palatka's shops, restaurants, and local events are just minutes away. It's move-in ready, low-maintenance, and close to everything that makes Palatka home. *Some photos have been virtually staged with AI*

915 S 13th Street, Palatka
509 Bronson Street, Palatka
$229,900
4 Beds ⋅ 2 Baths ⋅ 2164805 MLS
Historic Charm. Modern Comfort. A Lifestyle Worth Discovering. This beautifully restored 1916 home offers the perfect balance of timeless character, modern updates, and ideal location just outside of Palatka's Historic District and scenic riverfront. This inviting 4-bed, 2-bath home boasts recently updated flooring, plantation shutters, modern cabinetry, a new metal roof and AC in 2023 and a tankless gas water heater added in 2024. The flexible layout adapts to families, remote professionals, and guests, while the spacious backyard and 10x20 storage building provide room to entertain, garden, or expand with future projects. Walk or bike to Riverfront Park, downtown shops, restaurants, breweries, festivals, and the St. Johns River. With easy access to Jacksonville, St. Augustine, Gainesville, Daytona Beach, and Ocala, this property offers historic neighborhood living enriched by nature, community, convenience, and the outdoor lifestyle Palatka is known for.

509 Bronson Street, Palatka
1415 Cleveland Avenue, Palatka
$284,900
3 Beds ⋅ 3 Baths ⋅ 2164197 MLS
Brand-new two-story living with the space and location buyers want! The Ellie offers 3 bedrooms, 2.5 bathrooms, an upstairs loft, and 1,581 heated square feet. All three bedrooms, two full bathrooms, and the laundry room are conveniently located upstairs. The main level features an open kitchen and living area, dedicated dining space, and a half bathroom for guests. Enjoy a covered back patio and a nicely sized backyard with room to relax, entertain, or create your ideal outdoor space. Located near Ravine Gardens State Park, the St. Johns River waterfront, public boat ramps, Palatka Golf Course, hiking trails, shopping, and local dining. Ask how qualified buyers may receive a 1% credit through the preferred lender and close in as little as seven days. Builder warranty included. Schedule your showing today!

1415 Cleveland Avenue, Palatka
140 Kelley Smith School Road, Palatka
$249,000
3 Beds ⋅ 2 Baths ⋅ 2164194 MLS
Brand-new, move-in-ready Hailie model in a convenient Palatka location near the new Palatka Primary School, HCA Florida Putnam Hospital, shopping, downtown, and the St. Johns River. This 3-bedroom, 2-bath home offers 1,329 heated square feet with high ceilings and an open layout. The kitchen features quartz countertops, white soft-close cabinetry, stainless steel appliances, pendant lighting, and a spacious breakfast bar. Luxury vinyl plank flooring flows through the main living areas, with carpet and ceiling fans in each bedroom. French doors open to a large backyard ready for outdoor living. The crisp white exterior, red shutters, matching front door, covered front porch, fresh landscaping, wide concrete driveway, and one-car garage create standout curb appeal. Builder warranty included. Qualified buyers using the preferred lender may receive a 1% lender credit and close in as little as seven days. Schedule your showing today! Ready to make this one HOME?

140 Kelley Smith School Road, Palatka
302 Westover Circle, Palatka
$254,000
3 Beds ⋅ 2 Baths ⋅ 2164094 MLS
Welcome to 302 Westover Circle, a charming ranch-style 3-bedroom, 2-bath concrete block home situated on a spacious quarter-acre lot in Palatka. Just shy of 1,400 square feet, this well-maintained home features a versatile flex area that can easily be used as a home office, study, hobby space, or additional living area. A convenient garage provides covered parking, while the covered patio offers the perfect spot to relax and enjoy the beautifully maintained backyard. Step outside and discover a gardener's dream, with mature orange trees, established flowers, and plenty of room to create your own backyard oasis. Major updates have already been taken care of, with the roof and HVAC system both replaced in 2022. Conveniently located just minutes from grocery stores, restaurants, and schools.

302 Westover Circle, Palatka
2412 Husson Avenue, Palatka
$245,000
3 Beds ⋅ 2 Baths ⋅ 2164078 MLS
Spacious 3 bedroom, 2 bath concrete block home with front brick veneer accent, 448 sq' screen porch, enclosed single garage/storage, cook shack out back for all your grilling & connected to city water & sewer, but located in Putnam County! This well cared for home built in 1970 features an open concept with large living area which expands into the welcoming kitchen and dining area where you can access the rear screen porch and privacy fenced back yard. Home is conveniently located to shopping, schools, restaurants & The St Johns River! Recent upgrades include: New Metal Roof by Big A Roofing 12/2024, New Electric Hot Water Heater 7/2026, New Dishwasher & Kitchen Sink 8/2026. Total Under Roof Sq' is 2,296. Remaining furnishings are negotiable. MUST SEE!!

2412 Husson Avenue, Palatka
Start Your Search
© 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved. This data is up-to-date as of . For the most current information, contact Keller Williams Atlantic Partners.