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116 MOSELEY Avenue, Palatka, FL, 32177

3beds
2baths
1,210sqft
$229,999
$190price/sqft
$1,954/moest. monthly cost
$78,160/yrincome needed

About This Home

Welcome home to this new 3-bedroom, 2-bath residence offering 1,210 square feet of thoughtfully designed living space. The open-concept floor plan creates a bright, inviting atmosphere, while the cohesive paint colors and modern finishes provide a stylish look throughout. The heart of the home is the stunning kitchen, featuring quartz countertops, a center island perfect for gathering, and stainless steel appliances that blend both beauty and functionality. The spacious owner's suite offers a relaxing retreat with a walk-in shower, separate soaking tub, and plenty of room to unwind. Outside, enjoy a fully sodded yard complete with an irrigation system, making it easy to maintain a lush, green lawn year-round. This move-in-ready home combines modern comfort, quality finishes, and everyday convenience--all waiting for its new owners!

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

3/10
Palatka High SchoolGrades 7-121.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Composition Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Electric Range,Electric Water Heater,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eat-in Kitchen
  • Flooring: Carpet

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,210 sqft

Property

Details

  • Parcel number: 121026155000100082

Features

  • Stories: 1

Lot

  • Lot size: 4,791 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in Putnam County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,162$13,944
Home Insurance *$256$3,072
Property Taxes $339$4,068
Electricity $197$2,366
Total$1,954$23,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,994/yr
40% on housing$58,620/yr
45% on housing$52,106/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 32177$176
Putnam County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 32177$171
Putnam County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-04Price change$224,999
2026-07-02Listed for sale$229,999
2026-04-04Listing removed$229,999
2026-02-10Listed for sale$229,999
2026-01-14Listing removed$229,999
2025-07-02Price change$229,999
2025-06-02Price change$239,000
2025-04-08Listed for sale$245,000
2023-08-25Sold$15,000

New Construction

AgentCHRIS FIELDS
BrokerageIHEART REALTY INC

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