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603 EMMETT Street, Palatka, FL, 32177

8beds
7baths
6,425sqft
$995,000
$155price/sqft
$7,362/moest. monthly cost
$294,480/yrincome needed

About This Home

Magnificent historic property in Florida. National Register of Historic Places. Turn key Bed and Breakfast, (currently operating as EVOLVE rental property) or it can also be luxury estate. Circa 1884, three-story Queen Anne residence has over 6,400 square feet of interior living space paired with an expansive outdoor area. The twelve foot high ceilings, grand staircase, and a sweeping wraparound veranda define the architectural character, while modern comforts support extended stays and hosted occasions. House next door (123 Dodge St) where owners live is also available 603 Emmett St: 5 king bedrooms, 3 queen bedrooms, 3 rollaway beds, and additional single beds in dedicated alcove areas. 123 Dodge St: 6 bedrooms, 3 kitchens and 4.5 baths. Only one block to the St Johns river.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

3/10
Palatka High SchoolGrades 7-122.0 mi

Construction

Condition

  • Year built: 1884

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Oven,Electric Range,Refrigerator,Tankless Water Heater,Washer,Washer/Dryer Stacked

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Central,Zoned
  • Cooling features: Central Air,Split System,Zoned

Interior Area

  • Total interior livable area: 6,425 sqft

Master Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 14.00 x 12.00

Master Bedroom

  • Level: Second
  • Area: 340
  • Dimensions: 20.00 x 17.00

Master Bedroom

  • Level: Second
  • Area: 340
  • Dimensions: 20.00 x 17.00

Master Bedroom

  • Level: Second
  • Area: 255
  • Dimensions: 17.00 x 15.00

Master Bedroom

  • Level: Main
  • Area: 156
  • Dimensions: 13.00 x 12.00

Master Bedroom

  • Level: Third
  • Area: 208
  • Dimensions: 16.00 x 13.00

Master Bedroom

  • Level: Third
  • Area: 224
  • Dimensions: 16.00 x 14.00

Master Bedroom

  • Level: Third
  • Area: 156
  • Dimensions: 13.00 x 12.00

Property

Details

  • Parcel number: 421027685004900010

Features

  • Stories: 3
  • Exterior features: Balcony,Courtyard

Lot

  • Lot size: 7,405 sqft

Parking

  • Parking features: Additional Parking,Circular Driveway,Guest,Off Street,RV Access/Parking
  • Has uncovered spaces: 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
    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 $5,031$60,372
Home Insurance *$1,108$13,296
Property Taxes $577$6,924
Electricity $646$7,759
Total$7,362$88,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$252,411/yr
40% on housing$220,860/yr
45% on housing$196,320/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 32177$175
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
2026-06-14Listed for sale$995,000
2025-01-31Listing removed$1,295,000
2024-08-31Price change$1,295,000
2024-03-28Price change$1,350,000
2024-03-08Pending sale$1,275,000
2024-03-01Price change$1,275,000
2023-12-28Price change$1,250,000
2023-10-17Price change$1,295,000
2023-05-02Price change$1,375,000
2023-04-17Price change$995,000
2022-11-11Price change$1,475,000
2022-10-22Listed for sale$1,275,000
2022-08-29Contingent$1,275,000
2022-06-08Listed for sale$1,275,000
2022-06-07Listing removed--
2022-01-27Price change$1,575,000
2022-01-25Price change$1,275,000
2021-06-08Listed for sale$1,575,000
2016-12-16Sold$286,500
2016-10-26Pending sale$299,900
2016-08-25Price change$299,900
2016-04-13Price change$359,000
2015-04-22Listed for sale$389,000
2013-05-09Listing removed$449,000
2012-10-13Listed for sale$449,000

For Sale by Agent

AgentSTEVEN KOLENO
BrokerageBEYCOME OF FLORIDA LLC

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