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138 KELLEY SMITH SCHOOL Road, Palatka, FL 32177

$289,000
MLS# 2123584
4
Bedrooms
2
Bathrooms
1,543
Sq Ft
2026
Year Built

About This Home — 138 KELLEY SMITH SCHOOL Road

USE THE $20k CITY OF PALATKA DOWNPAYMENT ASSISTANCE GRANT TO BUY THIS 4 BED 2 BATH HOME! **New Blinds throughout and Epoxy Garage Flooring Upgrade!!!** The open floor plan offers a comfortable layout for everyday living and entertaining, featuring granite countertops, soft-close cabinets, stainless steel appliances, luxury vinyl plank flooring, 9-foot ceilings, and modern matte black light fixtures. A 1-car garage provides added storage and convenience, and the home comes pre-wired for ceiling fans, internet, TV, and phone. Built with low maintenance in mind, the exterior features durable fiber cement board siding and a shingle roof. Enjoy peace of mind with a 1-year Builder warranty AND a 10-year structural warranty! Ideally located just minutes from the hospital, medical offices, parks, shopping, riverfront, and downtown activities, this home offers convenience without sacrificing quality~ an excellent place to start your homeownership journey!

Features

Price$289,000
Price / Sq Ft$187
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,543
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address138 KELLEY SMITH SCHOOL Road, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionPalatka
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Parcel Number09-10-26-0213-0000-0020

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Range, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Additional Information

Date ListedJanuary 6, 2026
Days on Market145
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Mortgage Calculator

$289,000
$57,800
Loan Term
Monthly Payment
$1,538
Principal & Interest: $1,538
Est. Taxes & Insurance: $385
Estimated Total Monthly
$1,923
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: MAXREV, LLCDana Lewis, Broker Associate | Team Lead · dana@northfloridaliving.net

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida