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Sold·Closed Mar 31, 2026·46 days on market

439 E Bannerville Road

Palatka, FL 32177

$135,000sold priceListed at $160,000 · 84.4% of asking$201/sqftMLS# 2109451
2
Beds
1
Baths
672
Sq Ft
1999
Built
—
Garage
No
Pool
No HOA4.40 acresRanch1 story

About this home

Palatka

Discover the perfect blend of space, utility, and potential with this 4.4-acre agricultural-zoned property in the heart of rapidly growing Putnam County. This oversized lot comes equipped with electricity, water, and septic already in place—ready for your dream home, farm, or business venture. Whether you're looking to build a private homestead, start a small agricultural operation, or invest in future development, this versatile property offers endless possibilities. Enjoy peaceful rural living with easy access to nearby amenities and highways. Don't miss this rare opportunity to create your own paradise! Motivated to hear all offers!!!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$742
Estimated total, before insurance$742/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,577/yr · $131/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:34 AM, sunset 6:48 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,577/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Features

Price$160,000
Price / Sq Ft$238
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage672
Acres4.40 acres
Year Built1999
TypeResidential
Sub-TypeRanch
StyleOther
Property ConditionFixer, To Be Built
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address439 E Bannerville Road, Palatka, FL 32177
Area562-Bardin/West Bostwick
SubdivisionPalatka
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size191,664 sq ft
Parcel Number29-08-26-0000-001.0-002.2 02
ZoningAgricultural

Amenities

Community FeaturesFishing, Street Lights, Restaurant
UtilitiesElectricity Connected, Sewer Connected, Water Available
SewerSeptic Tank
Water SourceWell
ParkingGated, Off Street

Interior

AppliancesElectric Oven
HeatingNone
CoolingWall/Window Unit(s)
# of Stories1
LevelsOne

Exterior

Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 10, 2026
Days on Market46
Tax Amount$1,577
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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