111 ELM AVENUE, PALATKA, FL, 32177
Active26 days on marketListed Jul 7, 2026MLS #FC319603
About this home
111 ELM AVENUE
Welcome to Elm Avenue, this 4 bedroom single family home was just recently updated and renovated for the next owner. Built to last with concrete block and brick construction, this home also sits on a large .27 acre high and dry lot with plenty of room for decks or water features. There are upgrades galore, from roof to floors. Some of the recent notable updates include; architectural shingle roof replaced, new well equipment, low-e windows added, new water heater, new AC, fresh paint inside and out, LVP floors added throughout, kitchen and bath remodeled. The location is ideal, just a short drive to St. Johns Ave. for all your riverside dining and shopping, or spend a day at Ravine Gardens State Park. Enjoy area parks, boat ramps, and laid-back North Florida living in Putnam County or head to St.Augustine for day at the beach. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
1
Bathrooms
1,270
Sqft
0.27 ac
Lot size
1978
Year built
One
Levels
$150
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.
$1,506 /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
$1,506/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
+14.3%
$/sqft vs Palatka actives
$150 vs $197
Days on market
26 vs 42 typical
Where $150/sqft sits among the 22 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
$182K → $279K
Palatka median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
17 of 22
Palatka actives have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 111 ELM AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$155,000
1701 WAPALAW STREET · same community
2 bd · 1 ba · 840 sqft · $185/sqft · 89 DOM
Sold · Jul ’26$118,000
221 S 5TH STREET · same community
4 bd · 2.5 ba · 2,129 sqft · $55/sqft · 201 DOM
Sold · Apr ’26$89,000
103 WILLIAMS STREET
4 bd · 2 ba · 1,299 sqft · $69/sqft · 0 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 111 ELM AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 111 ELM AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
111 ELM AVENUE FAQs
What would the monthly payment be for 111 ELM AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,506/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 111 ELM AVENUE?+
The most recent tax bill on record (2025) was $1,735. 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 $189,900, this home is listed about 27% below the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 111 ELM AVENUE?+
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 ONE SOTHEBYS INTERNATIONAL · Nicholas Linser. MLS #FC319603.
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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