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300 Westover Cir, Palatka, FL, 32177

4beds
3baths
1,538sqft
$235,000
$153price/sqft
$2,000/moest. monthly cost
$80,000/yrincome needed

About This Home

CHARMING CONCRETE-BLOCK FAMILY HOME IN SMALL TOWN NEIGHBORHOOD! This solid 4-bedroom, 2.5 bath,1,548 square foot home offers comfort and updates in an inviting location. Newly Painted ,creamy interior along with new carpet in 3 back bedrooms keeps things fresh and bright! The Master bedroom,with full bath and walk-in closet were added 2023. Other major improvements include new windows 2020, a new metal roof (2024), updated electric wiring ((2023),New plumbing and additional lines (2023) as well as Gas Water Heater.The air conditioner was serviced / repaired in 2023. Interior recently painted. Recently added New refrigerator and stove (the Bosch Dishwasher was added previously) The large, fenced in back yard is ideal for Play, Gardening or just relaxing in the shade. With its solid structure, updates and welcoming neighborhood setting, this home is ready for you to settle in and make it your own. Please use showing time to make appointment.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

3/10
Palatka High SchoolGrades 7-120.9 mi

Construction

Condition

  • Year built: 1967

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block

Type & Style

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

Interior

Bedroom2

  • Area: 100

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Combo

Features

  • Ceiling Fan(s)
  • Flooring: Tile,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,748
  • Total interior livable area: 1,538 sqft

Kitchen

  • Area: 120

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Level: First
  • Area: 169

Property

Details

  • Parcel number: 68315
  • Zoning: 10

Features

  • Stories: 1
  • Entry location: Ground Level
  • Patio & porch: Porch,Screened Porch

Lot

  • Lot size: 10,019 sqft
  • Features: Wooded,1/2 to 1 Acre

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
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Heat Wave
Inland Flooding
Strong Wind
Wildfire
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 $1,188$14,256
Home Insurance *$261$3,132
Property Taxes $354$4,248
Electricity $197$2,366
Total$2,000$24,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,571/yr
40% on housing$60,000/yr
45% on housing$53,333/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

$153This 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
2026-06-22Price change$235,000
2026-06-08Listed for sale$259,000
2026-04-01Listing removed$235,000
2026-02-02Price change$235,000
2025-11-24Listed for sale$249,900
2022-06-02Sold$172,000
2022-05-20Pending sale$189,900
2022-04-27Listed for sale$189,900
2022-02-04Sold$135,000

For Sale by Agent

AgentMary Dressel Cummings
BrokerageEndless Summer Realty

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