504 N 18TH STREET, PALATKA, FL, 32177
Active4 days on marketListed Aug 25, 2026MLS #FC320587
About this home
504 N 18TH STREET
Virtually Staged. INVESTOR SPECIAL – FIXER-UPPER OPPORTUNITY IN PALATKA! Calling all investors, contractors, and renovation buyers! This 3-bedroom, 1.5-bath single-family home offers an opportunity for the buyer ready to take on a renovation project. The property needs TLC. Bring your vision, tools, and renovation plans and transform this property into a potential rental, resale, or long-term investment. With three bedrooms and one-and-a-half baths already in place, the home provides a starting point for a complete renovation and value-add project. Property is being offered in its current AS-IS condition, and buyers should perform their own inspections and due diligence regarding the condition, scope, and cost of repairs. Cash or renovation financing may be most appropriate due to the property’s current condition. If you’ve been looking for a true fixer-upper with investment potential, put this property on your list. Opportunity awaits for the buyer with the resources and vision to bring this property back to life!
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,400
Sqft
0.22 ac
Lot size
1981
Year built
One
Levels
$61
Per sqft
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.
$857 /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
$857/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−63.5%
$/sqft vs Palatka actives
$61 vs $156
Days on market
4 vs 70 typical
Where $61/sqft sits among the 26 Palatka actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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
$191K → $230K
Palatka median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
18 of 26
Palatka actives have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 55% below the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 504 N 18TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$244,800
810 MOSELEY AVENUE
4 bd · 2 ba · 1,440 sqft · $170/sqft · 7 DOM
Sold · Feb ’26$230,000
2008 CARR STREET
3 bd · 2 ba · 1,323 sqft · $174/sqft · 112 DOM
Sold · Dec ’25$170,000
606 FERN STREET
3 bd · 2 ba · 1,314 sqft · $129/sqft · 33 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 504 N 18TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 504 N 18TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
504 N 18TH STREET FAQs
What would the monthly payment be for 504 N 18TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $857/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 504 N 18TH STREET?+
The most recent tax bill on record (2025) was $1,917. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 504 N 18TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palatka?+
At $84,900, this home is listed about 67% below the Palatka median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 504 N 18TH STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of ELITE HOUSING ADVISORS, LLC. · Barbara Ungerman, PA. MLS #FC320587.
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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