154 JAMES PLACE, PALATKA, FL, 32177
Active3 days on marketListed Jul 20, 2026MLS #OM728593
About this home
154 JAMES PLACE
Escape to the peace and privacy of this beautiful 5.23-acre parcel in Palatka, Florida. Tucked away in a quiet, natural setting, this untouched property offers endless possibilities for those seeking room to roam and a slower pace of life. Whether you're dreaming of a private getaway, a recreational retreat, or a place to enjoy Florida's natural beauty, this property provides the perfect backdrop. Surrounded by nature and offering plenty of space to explore, this acreage is an excellent opportunity to own your own slice of Old Florida. Bring your vision and discover the potential this peaceful property has to offer.
Facts & features
The home at a glance
5.23 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.
$487 /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
$487/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 63% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 154 JAMES PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$180,000
114 RODMAN LANE
3 bd · 2 ba · 1,040 sqft · $173/sqft · 8 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 154 JAMES PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 154 JAMES PLACE — 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
154 JAMES PLACE FAQs
What would the monthly payment be for 154 JAMES PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $487/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 154 JAMES PLACE?+
The most recent tax bill on record (2025) was $127. 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 $50,000, this home is listed about 81% below the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 154 JAMES PLACE?+
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 YOUNG REAL ESTATE · Josee Lindner. MLS #OM728593.
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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