520 RIVER Street, Palatka, FL, 32177
About This Home
RARE FIND! HISTORY AT IT'S BEST! CIRCA 1912 IN PALATKA'S SOUTH HISTORIC DISTRICT LOCATED ON THE ST JOHNS RIVER! This beautiful 2-story gem built by Warner T. Hamm was designed with red brick, wood and shingles on the exterior with a welcoming (12 x 32) front porch to enjoy the gorgeous river views and breezes! The interior features mahogany and white enamel trim, incredible craftsmanship throughout, original hardwood floors in excellent condition, grand living room with a brick gas fireplace which opens onto the renovated Florida Room. Home has a spacious dining room with a gas fireplace as well which leads to the breakfast nook with built in china cabinet just off the kitchen. Additional features and upgrades include back screen porch, double garage, basement, stairs leading to the attic, architectural shingle roof & tankless gas water heater 2020, HVAC 2025 & irrigation system. MUST SEE!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1912
Materials
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Historic
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Gas Water Heater,Refrigerator,Tankless Water Heater
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Breakfast Nook,Entrance Foyer,Pantry
- Flooring: Tile,Wood
- Number of fireplaces: 2
- Fireplace features: Gas
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 4,398
- Total interior livable area: 3,132 sqft
Property
Details
- Parcel number: 421027685004800051
- Attached to another structure: Yes
- Zoning description: Residential
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch,Rear Porch,Screened
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front,Seawall
Lot
- Lot size: 0.50 Acres
- Features: Corner Lot,Historic Area,Sprinklers In Front,Sprinklers In Rear
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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 | $4,044 | $48,528 |
| Home Insurance * | $891 | $10,692 |
| Property Taxes | $141 | $1,692 |
| Electricity | $315 | $3,782 |
| Total | $5,391 | $64,692 |
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 |
|---|---|---|
| 2026-04-23 | Price change | $799,900 |
| 2026-03-31 | Price change | $820,000 |
| 2026-02-24 | Listed for sale | $799,000 |
View on Zillow