435 W RIVER Road, Palatka, FL, 32177
About This Home
Rare WATERFRONT Commercial Opportunity! This unique property offers dual Commercial & Residential zoning w/ 70ft+ Water frontage on Deek Creek Canal w/ direct access to St. Johns River & from there, the Ocean! This commercial structure features a large open warehouse with a 1 car or boat Bay or garage w/ extra high ceilings making it ideal for Marine Repair, Boat Storage, Car Mechanics use etc. A concrete boat ramp provides direct water access perfect for any type of Marine or Boat related business. This property also has a 2BR/1BA ready for renovation, offering potential rental income, owner occupancy, or more office space. Flexible zoning and waterfront access create endless possibilities. Really close to Hwy 17. If it is water related, you got options.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Fixer
- Year built: 1958
Materials
- Construction materials: Block
Type & Style
- Home type: SingleFamily
- Architectural style: Patio Home,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None
- Laundry features: Electric Dryer Hookup,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Cooling
- Cooling features: Other
Features
- Other
- Flooring: Concrete
Interior Area
- Total interior livable area: 2,213 sqft
Property
Details
- Parcel number: 160927000000900000
- Zoning description: Single Family
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch
- Exterior features: Boat Ramp - Private
- Has view: Yes
- View description: Canal,River,Trees/Woods
- Has water view: Yes
- Water view: Canal,River
- On waterfront: Yes
- Waterfront features: Canal Front,Navigable Water,Ocean Access,River Access,River Front
Lot
- Lot size: 1.45 Acres
- Features: Corner Lot,Irregular Lot,Many Trees,Wooded
- Lot size dimensions: 466.04 x 170.45 x 402.61 x 70.52
Parking
- Total spaces: 1
- Parking features: RV Access/Parking
- 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
- Lightning
- Coastal Flooding
- Inland Flooding
- Strong Wind
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Putnam County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $909 | $10,908 |
| Home Insurance * | $200 | $2,400 |
| Property Taxes | $292 | $3,504 |
| Electricity | $222 | $2,672 |
| Total | $1,623 | $19,476 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $179,900 |
| 2026-03-16 | Listed for sale | $249,000 |
| 2026-03-03 | Listing removed | $220,000 |
| 2026-01-22 | Listed for sale | $220,000 |
| 2025-09-12 | Pending sale | $220,000 |
| 2025-09-02 | Listed for sale | $220,000 |
| 2025-06-04 | Listing removed | $249,900 |
| 2024-10-20 | Price change | $249,900 |
| 2024-09-05 | Listed for sale | $280,000 |
| 2021-09-15 | Sold | $219,700 |
| 2021-06-25 | Sold | $219,700 |
| 2021-02-01 | Listing removed | $249,700 |
| 2020-12-18 | Listed for sale | $249,700 |
| 2020-01-07 | Sold | $200,000 |
| 2018-05-15 | Listed for sale | $199,000 |
| 2018-03-20 | Listing removed | $199,000 |
| 2017-09-30 | Listed for sale | $199,000 |
| 2017-08-29 | Listing removed | $199,000 |
| 2017-03-22 | Listed for sale | $199,000 |
| 2017-02-01 | Listing removed | $149,000 |
| 2016-05-02 | Price change | $149,000 |
| 2016-02-08 | Listed for sale | $195,000 |
| 2009-05-01 | Listing removed | $299,000 |
| 2009-04-06 | Price change | $299,000 |
| 2009-04-04 | Price change | $469,000 |
| 2005-01-28 | Sold | $160,000 |
| 2004-04-05 | Sold | $100,000 |
| 2000-05-01 | Sold | $43,900 |
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