220 S 4th St, Palatka, FL, 32177
About This Home
A Rare Opportunity to Own a Piece of Florida History Step back in time while enjoying the comforts of today in the remarkable Seavers House, a beautifully restored historic residence dating back to 1871. Nestled within Palatka's celebrated South Historic District, this architectural treasure represents a bygone era of elegance, craftsmanship, and Southern hospitality. Positioned on a prominent corner lot just moments from the St. Johns River, this stunning property offers a rare combination of historical significance, residential comfort, and commercial flexibility. Originally constructed during Florida's steamboat and railroad boom, the home has been lovingly restored to showcase its timeless character while accommodating modern living. Inside, visitors are greeted by soaring ceilings, original architectural details, rich wood flooring, and the kind of craftsmanship that simply cannot be replicated today. Every room tells a story, preserving the Florida while creating an inviting atmosphere for family, guests, or visitors. The HOME BOASTS 12 FOOT CEILINGS, 2 A/C units, Attic space, RIVER VIEWS from upstairs. The home's location within Palatka's historic district places it among some of Northeast Florida's most treasured Victorian and period residences, where tree-lined streets and grand historic homes evoke the elegance of another age. Whether envisioned as an extraordinary private residence, boutique bed-and-breakfast, vacation rental, professional office, event venue, or mixed-use investment, the property's zoning flexibility opens the door to countless possibilities. Imagine mornings on the porch with river breezes drifting through the neighborhood, afternoons exploring Palatka's revitalized downtown, and evenings entertaining beneath the glow of a home that has witnessed more than 150 years of Florida history. Properties of this caliber rarely become available. More than a home, 220 South 4th Street is a living piece of Florida's heritage--carefully preserved, thoughtfully restored, and ready for its next steward. Historic. Elegant. Irreplaceable. Welcome to one of Palatka's most captivating historic residences. "Circa 1871 Seavers House | Magazine-Quality Restoration | Historic District Gem | Airbnb/ Commercial Residential Possibilities
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1871
Materials
- Foundation: Other
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Architectural style: Victorian
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Washer,Tankless Water Heater,Refrigerator,Ice Maker,Gas Cooktop,Dryer,Disposal,Dishwasher,Convection Oven
Bedroom1
- Level: Upper
- Area: 195
- Dimensions: 15.00 x 13.00
Bedroom2
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Entrance Foyer,Kitchen Island,Pantry
- Number of fireplaces: 2
- Fireplace features: Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Central Air,Electric,Multi Units
Interior Area
- Total interior livable area: 1,876 sqft
Kitchen
- Level: Main
- Area: 180
- Dimensions: 12.00 x 15.00
Living Room
- Level: Main
Master Bedroom
- Level: Upper
Property
Details
- Parcel number: 421027685002600040
- Zoning description: Other
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch,Porch,Rear Porch,Side Porch,Wrap Around
- Exterior features: Other
- Fencing: Other
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
Lot
- Lot size: 0.36 Acres
- Features: Corner Lot,Many Trees,Wooded
- Lot size dimensions: 80 x 150
Parking
- Parking features: Detached,Other
- Has garage: Yes
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
- Inland Flooding
- Strong Wind
- Tornado
- 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 | $2,527 | $30,324 |
| Home Insurance * | $557 | $6,684 |
| Property Taxes | $34 | $408 |
| Electricity | $197 | $2,366 |
| Total | $3,315 | $39,780 |
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 |
|---|---|---|
| 2026-07-24 | Price change | $499,900 |
| 2026-06-07 | Listed for sale | $550,000 |
| 2023-03-15 | Listing removed | -- |
| 2023-02-01 | Listed for sale | $489,000 |
| 2022-12-06 | Listing removed | -- |
| 2022-10-23 | Price change | $489,000 |
| 2022-09-19 | Listed for sale | $500,000 |
| 2014-03-10 | Sold | $50,000 |
| 2013-12-07 | Price change | $59,996 |
| 2013-08-27 | Price change | $64,000 |
| 2013-06-29 | Listed for sale | $74,900 |
| 2012-03-15 | Sold | $49,000 |
| 2009-06-23 | Sold | $98,000 |
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