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520 RIVER Street, Palatka, FL 32177

$799,900
MLS# 2141665
4
Bedrooms
3
Bathrooms
3,132
Sq Ft
1912
Year Built

About This Home — 520 RIVER Street

RARE FIND! HISTORY AT IT'S BEST! CIRCA 1912 IN PALATKA'S SOUTH HISTORIC DISTRICT LOCATED ON THE ST JOHNS RIVER! This beautiful 2-story gem built by Warner T. Hamm was designed with red brick, wood and shingles on the exterior with a welcoming (12 x 32) front porch to enjoy the gorgeous river views and breezes! The interior features mahogany and white enamel trim, incredible craftsmanship throughout, original hardwood floors in excellent condition, grand living room with a brick gas fireplace which opens onto the renovated Florida Room. Home has a spacious dining room with a gas fireplace as well which leads to the breakfast nook with built in china cabinet just off the kitchen. Additional features and upgrades include back screen porch, double garage, basement, stairs leading to the attic, architectural shingle roof & tankless gas water heater 2020, HVAC 2025 & irrigation system. MUST SEE! One of the owners, Philips Leary, holds an active FL real estate license.

Features

Price$799,900
Price / Sq Ft$255
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,132
Total Structure Area4,398 sq ft
Acres0.50 acres
Year Built1912
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesSoutheast

Community Information

Address520 RIVER Street, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionDicks Map
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size21,780 sq ft
Parcel Number421027685004800051
ZoningResidential

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewRiver
Waterfront TypeRiver Front, Seawall

Interior

Interior FeaturesBreakfast Nook, Entrance Foyer, Pantry
AppliancesDishwasher, Electric Range, Gas Water Heater, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories2
LevelsTwo

Exterior

Lot DescriptionCorner Lot, Historic Area, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
ConstructionBrick, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 23, 2026
Days on Market38
Tax Amount$3,168.1
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$799,900
$159,980
Loan Term
Monthly Payment
$4,257
Principal & Interest: $4,257
Est. Taxes & Insurance: $1,064
Estimated Total Monthly
$5,322
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: CENTURY 21 BECKHAM REALTYTEDRA BECKHAM PHILIPS · tedradee@gmail.com

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

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

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20+ years · 500+ closings · NE Florida