455 W RIVER ROAD, PALATKA, FL, 32177
Active155 days on marketListed Feb 20, 2026MLS #FC316373
About this home
455 W RIVER ROAD
A place to slow down, spread out, and enjoy the rhythm of the river. This beautiful slice of Old Florida offers approximately 2.05 acres on the St. Johns River, just a short drive--about 10-15 minutes--from downtown Palatka and roughly 35-45 minutes to Green Cove Springs. Whether you envision weekends on the water, gathering with family, or simply enjoying the quiet that comes with riverfront living, this property provides the setting to make it your own. The lot is mostly cleared, with classic Old Florida cypress trees lining the river and creating a natural, scenic backdrop. A covered dock with an electric boat lift is already in place, making time on the water easy and accessible. The artesian well, sturdy pole barn, and existing electric add functionality and flexibility for future plans. With no HOA, you have the freedom to use your land in a way that fits your lifestyle. Hop in the boat and head out for lunch at Six Mile Crab Shack in St. Augustine, or enjoy a fun weekend run to Renegades on the River in Welaka. You'll also find yourself in the heart of some of the best bass fishing waters in the country. Zoned Residential, Single-Family Estate, this is an opportunity to create a homestead that reflects how you want to live--uncomplicated, connected to nature, and rooted in the character of the St. Johns River.
Facts & features
The home at a glance
2.05 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.
$3,320 /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
$3,320/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 277% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 455 W RIVER ROAD
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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 455 W RIVER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 455 W RIVER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
455 W RIVER ROAD FAQs
What would the monthly payment be for 455 W RIVER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,320/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 455 W RIVER ROAD?+
The most recent tax bill on record (2025) was $3,739. 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 $450,000, this home is listed about 73% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 455 W RIVER ROAD?+
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
Four things that matter here
01Positioned at the premium end
$450,000 runs 277% above the PALATKA 32177 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
155 days on market against a Palatka median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $500,000, now $450,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GREAT EXPECTATIONS REALTY · Amanda Edwards. MLS #FC316373.
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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