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Active

Active·15 days on market

1510 Cleveland Avenue

Palatka, FL 32177

$165,000$180/sqftEst. $847/moMLS# 2154352

Beds

Baths

916

Sq Ft

1955

Built

—

Garage

Pool

About this home

Palatka

Delightful 2 bedroom, 1 bath home offers timeless character and small town charm with brick lined streets and mature trees. Located minutes from downtown Palatka, the St. Johns River, local parks, dining, shopping, and community events.

Cost to own

Mortgage calculator

Home Price

$165,000

Down Payment: 20%

$33,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$847

Principal & Interest: $847

Insurance (est.): $110

Estimated Total Monthly

$957

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$847

Estimated total, before insurance$847/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,333/yr · $194/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,333/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 1955)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0040061 - Palatka WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,096 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 6, 2026Active$165,000
Jul 31, 2026Pending$165,000
Jul 8, 2026Listed$165,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$165,000

Price / Sq Ft$180

Bedrooms2

Bathrooms1.00

Full Baths1

Square Footage916

Acres0.16 acres

Year Built1955

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address1510 Cleveland Avenue, Palatka, FL 32177

Area561-Greater Palatka

SubdivisionMetes & Bounds

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size6,969.6 sq ft

Parcel Number131026242000100030

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther

Interior

Interior FeaturesBreakfast Nook, Primary Bathroom - Tub with Shower

AppliancesDryer, Electric Cooktop, Electric Range, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

Exterior

Lot DescriptionFew Trees

Patio / PorchCovered, Front Porch, Screened

RoofMetal

ConstructionStucco

Other StructuresShed(s)

Road SurfacePaved

Road FrontageCity Street

Additional Information

Date ListedAugust 6, 2026

Days on Market25

Tax Amount$2,333.32

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: CENTURY 21 TRITON REALTY

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

Keep looking

More homes in Metes & Bounds

Your Local Realtor

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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