2601 STATE STREET, PALATKA, FL, 32177
Active0 days on marketListed Oct 13, 2026MLS #FC322087
About this home
2601 STATE STREET
First-time homebuyers, this may be the one you've been waiting for! Welcome to 2601 State Street in Palatka, a clean and move-in-ready 3-bedroom, 1-bath concrete block home that offers a lot at this price point. Sitting on a fully fenced corner lot, this home features a huge yard with plenty of room to make it your own. Whether you envision backyard cookouts, a fire pit, space for pets, a garden, or simply room to spread out, the outdoor space is one of the highlights of this property. The covered front porch provides another great place to relax, while the adjoining carport and decorative privacy wall create a surprisingly inviting outdoor entertaining area. Inside, you'll find a practical layout with central heating and air and plenty of opportunity to add your own personal touches over time. Public water and sewer add to the everyday convenience.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,000
Sqft
0.17 ac
Lot size
1964
Year built
One
Levels
$200
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.
$1,665 /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
$1,665/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
+15.6%
$/sqft vs Palatka actives
$200 vs $181
Days on market
0 vs 59 typical
Where $200/sqft sits among the 20 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 → $245K
Palatka median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
10 of 20
Palatka actives have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 2601 STATE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$101,793
1510 PRESIDENT STREET
3 bd · 1 ba · 1,036 sqft · $98/sqft · 149 DOM
Sold · Dec ’25$196,000
2007 SHERMAN AVENUE
3 bd · 1 ba · 960 sqft · $204/sqft · 106 DOM
Sold · Apr ’26$40,000
3420 S PALM AVENUE
3 bd · 1 ba · 1,083 sqft · $37/sqft · 143 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2601 STATE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2601 STATE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2601 STATE STREET FAQs
What would the monthly payment be for 2601 STATE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,665/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 2601 STATE STREET?+
The most recent tax bill on record (2025) was $2,909. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palatka?+
At $199,500, this home is listed about 29% below the Palatka median of $279,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2601 STATE STREET?+
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 ENDLESS SUMMER REALTY · Kurt Bogart. MLS #FC322087.
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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