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540 W PENIEL Road, Palatka, FL 32177

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For Sale
Sale Pending

$174,900

2 beds • 1 baths • 792 sqft

Estimated Payment

$ 1,011 /mo. †

6.67% APR for 30 yrs.
$1,330 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $220.83
    Price per square foot

  • Over 50 Years Old
    Age

Explore this Property

2br, 1 bath with amazing storage buildings on the property. Check out this lovely private corner lot that is almost 1/2 acre. If you want peace & quiet, this is the perfect location for you. The kitchen has amazing cabinet space and there are newer windows throughout most of the house. This is a great starter home or the perfect home if you want to downsize. It would be very easy to enlarge this home due to the large lot. House has been updated and has newer metal roof (2019) and new HVAC (2022). Electric and plumbing have been updated as well. There are 3 large wooden sheds, a greenhouse and a huge 20 x 25 metal storage garage on this property. Bring all your toys as there is no HOA or deed restrictions.
MLS# 2047578

Courtesy Of Florida Homes Realty and Mortgage

(904) 996-9115

Property Features

  • Age
    Over 50 Years Old
  • Amenities
    Porch
  • Appliances
    Cooktop, Cooktop - Electric, Dishwasher, Refrigerator, Washer
  • Architecture Style
    Cottage
  • Exterior Type
    Wood Siding
  • Floor Covering
    Carpet, Laminate, Tile
  • Heating System
    Central Furnace, Heat Pump
  • Lot Size
    0.47 Acres
  • Roof Type
    Metal
  • Rooms
    Kitchen, Living Room

Map and Directions

Directions to 540 W PENIEL Road, Palatka, FL 32177

Home seller CENTURY 21 Lighthouse Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Lighthouse Realty

(904) 562-5652
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $900
  • Property Taxes
    $110
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,011

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

C. L. Overturf Jr. Sixth Grade Center

Grades 6 Public School

Palatka, FL 32177 4.6 miles
1100 s 18th st

340 total students
18:1 Student teacher ratio

School Details

Kelly Smith Elementary School

Grades PK-5 Public School

Palatka, FL 32177 1.6 miles
141 kelley smith school rd

498 total students
16:1 Student teacher ratio

School Rating: C+

School Details

Robert H. Jenkins Jr. Middle School

Grades 7-8 Public School

Palatka, FL 32177 5.4 miles
1100 n 19th st

515 total students
18:1 Student teacher ratio

School Details

Palatka High School

Grades 9-12 Public School

Palatka, FL 32177 3.7 miles
302 mellon rd

1060 total students
21:1 Student teacher ratio

School Rating: D-

School Details
Other Nearby Schools Distance Type Grades School Rating
Peniel Baptist Academy 1.2 miles Private PK-12
Eleanor H. Miller School 2 miles Public PK-12
The Children's Reading Center 2.4 miles Public KG-5 A
Mellon Elementary School 3.9 miles Public PK-5
Putnam Academy Of Arts And Sciences 4.1 miles Public 6-8 C+
Moseley Elementary School 4.2 miles Public PK-5 D+
School Of The Heights 4.2 miles Private PK-6
Hillcrest Academy 4.6 miles Private KG-11
Deseret Academy 5.1 miles Private 1-12
James A. Long Elementary School 5.4 miles Public PK-5 C+
Putnam Edge High School 5.4 miles Public 9-12 D-

Peniel Baptist Academy

Distance: 1.2 miles

Type Private

Grades: PK-12

Eleanor H. Miller School

Distance: 2 miles

Type Public

Grades: PK-12

The Children's Reading Center

Distance: 2.4 miles

Type Public

Grades: KG-5

A

Mellon Elementary School

Distance: 3.9 miles

Type Public

Grades: PK-5

Putnam Academy Of Arts And Sciences

Distance: 4.1 miles

Type Public

Grades: 6-8

C+

Moseley Elementary School

Distance: 4.2 miles

Type Public

Grades: PK-5

D+

School Of The Heights

Distance: 4.2 miles

Type Private

Grades: PK-6

Hillcrest Academy

Distance: 4.6 miles

Type Private

Grades: KG-11

Deseret Academy

Distance: 5.1 miles

Type Private

Grades: 1-12

James A. Long Elementary School

Distance: 5.4 miles

Type Public

Grades: PK-5

C+

Putnam Edge High School

Distance: 5.4 miles

Type Public

Grades: 9-12

D-

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Palatka, FL 32177

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Palatka, FL 32177

This community’s employment is highest in the administrative support and sales industries. The area’s overall household expenses are below the national average.

92° July
Hottest Average Month
45° January
Coldest Average Month
11,367 Total Households in Area
2.3% Increase in population since the year 2010
28%
of households
have children
25 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Palatka, FL 32177

Palatka, FL 32177 has a population of 28,516 people in 11,367 households with a median age of 42.5 years old.

2.3%
Increase in population
since the year 2010
Population is Trending up
11,057
Total households as of 2010
3.3%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 42.5 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 64%
Black 27%
Hispanic 6%
Other 2%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 64%, followed by Black at 27%, Hispanic at 6%, and Other at 2%.

Economics
for Palatka, FL 32177

102 /sq mi
Population Density
$45,474 /yr
Median Household Income
$187,500
Median Sales Price
25 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 17.81% of the households.

Transportation to Work

  • Drive 91%
  • Work from Home 7%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 7,398 58%
Rented 3,969 31%
Vacant 1,384 11%

White vs Blue Collar Jobs







White Collar 60%
Blue Collar 40%

Family & Education Facts
for Palatka, FL 32177

42.5 Median Age

Average Household Size

2.5
persons per
household

34.2%

Married Households

Community Population By Education

High School Graduate 49%
Some College 19%
Some High School 13%
Associates Degree 8%
Bachelors Degree 7%
Graduate Degree 4%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 48.68% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
28% of households have children

Weather
for Palatka, FL 32177

The weather for this area ranges from a high of 92° F in July to a low of 45° F in January

92° July
Hottest Average Month
45° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
45°
67°
Feb
47°
70°
Mar
52°
75°
Apr
57°
81°
May
64°
87°
Jun
70°
90°
Jul
72°
92°
Aug
72°
91°
Sep
70°
88°
Oct
63°
82°
Nov
54°
74°
Dec
47°
69°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Northeast Florida Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is 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. Information being provided is 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 powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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