$219,900

1403 PROSPECT Street, Palatka, FL 32177

3 beds |
2 baths |
1,296 sqft

Single-Family Home
Built in 1976
—— sqft lot
—— car garage
$170/sqft
Listed 4 months ago

Property Description

This house comes with a REDUCED RATE as low as 4.99% (APR 5.431%) as of 01/29/2026 through List & Lock™. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. 3-bedroom, 2-bath wonderland—remodeled to dazzle! Nestled on a corner lot, concrete driveway and a fenced backyard, this beauty boasts tiled floors and brand-new luxury vinyl in the bedrooms. The cozy family room is an ideal gathering place, featuring a charming window bench seat with built-in storage. This clever addition is both practical and stylish, offering extra space to store blankets, games, or anything else you might need. The outside has been freshly painted and has a metal roof. A concrete patio to enjoy your evenings while watching the kids or grandkids play in the fenced backyard. Enjoy peace of mind with the whole house water filter system. Ice maker not hooked up.

Listing Status:: Active
Date Added:: January 2, 2026
Data Last Updated:: February 11, 2026 at 12:37PM
Listing Office:: COLDWELL BANKER BEN BATES INC : 386-328-6716
Listing Agent:: MARGARET ZAHNER : 386-336-1263
MLS ID:: 2109514

General: Ceiling Fan(s)Eat-in KitchenPrimary Bathroom - Shower No Tub
Appliances: DishwasherElectric RangeElectric Water HeaterIce MakerRefrigerator
Laundry: Electric Dryer HookupIn Unit
Flooring: LaminateTile
A/C: Central AirElectric
Heating:

Roofing: Metal
General: Frame1

Road/Access: City Street
Originating MLS: realMLS (Northeast Florida Multiple Listing Service)
County: Putnam

Zoning: 121026810000400130
Current Use: ResidentialSingle Family

Utilities: Cable AvailableElectricity ConnectedSewer ConnectedWater Connected
Water: Public
Sewer: Public Sewer

Source: realMLS (Northeast Florida Multiple Listing Service)

This listing courtesy of MARGARET ZAHNER , COLDWELL BANKER BEN BATES INC

Monthly Payment

$Est. Payment

Principal & Interest $
Property Taxes $
Home Insurance $
VA Funding Fee $

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Location

Schools Nearby

William D. Moseley Elementary School

1100 Husson Ave, Palatka, FL, 32177

Grades PK-6

0.16 miles away

Putnam Academy of Arts and Sciences

310 S Palm Ave, Palatka, FL, 32177

Grades 6-8

0.89 miles away

Putnam Edge High School

200 S 7th St, Palatka, FL, 32177

Grades 9-12

1.17 miles away

Disclaimer: School and School District information courtesy of the National Center for Education Statistics (NCES). School boundaries may change. Proximity to listed schools does not guarantee enrollment eligibility. Contact the school district for more information and exact boundaries.