Homes for Sale Under $300K in Palatka, FL
This page tracks every Palatka listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
104 homes listed under $300,000 are for sale or pending in Palatka, FL today across 41 communities. The median asking price is $224,949, from $35,000 to $299,900. Listings in Palatka without that feature have a median of $397,900. Most listings right now: Palatka (10), Rolling Hills (6), Palatka Blks (3). Updated October 2, 2026 from the MLS.
First-time buyers: what Palatka costs at the entry level
49 active single-family homes, townhomes and condos at or below $300,000 — median $222,000, about $1,396/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Palatka
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Putnam County · First-time buyer guide
Palatka homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Palatka | 10 | 4 | $210,490 | $35,000 |
| Rolling Hills | 6 | 0 | $216,250 | $175,000 |
| Palatka Blks | 3 | 3 | $259,000 | $259,000 |
| Rogeros Add Palatka | 2 | 0 | $264,900 | $239,900 |
| Webbs Viking Manor | 2 | 0 | $248,000 | $239,000 |
| Westhighlands A&b | 2 | 0 | $233,950 | $228,000 |
| Conway Of Rogeros | 2 | 1 | $232,449 | $224,999 |
| Palatka | 2 | 0 | $219,500 | $149,000 |
| St Johns Harbor | 2 | 1 | $209,950 | $195,000 |
| St Johns Harbor 3 | 2 | 1 | $208,950 | $145,000 |
| Glisson Wells | 2 | 0 | $57,500 | $50,000 |
| Underwood Estates | 1 | 0 | $299,900 | $299,900 |
| Interlachen Lakes Estates | 1 | 0 | $285,000 | $285,000 |
| Bostwick Meadows | 1 | 0 | $279,000 | $279,000 |
| St Johns Harbor 1 | 1 | 0 | $275,000 | $275,000 |
| Palatka James Sub | 1 | 1 | $259,900 | $259,900 |
| Webbs Viking Manor | 1 | 0 | $257,000 | $257,000 |
| Westover Manor | 1 | 0 | $254,000 | $254,000 |
| Dicks Map | 1 | 0 | $249,900 | $249,900 |
| Country Club Heights | 1 | 0 | $249,000 | $249,000 |
| Lemon St Heights | 1 | 0 | $235,000 | $235,000 |
| Lemon Street Heights | 1 | 0 | $235,000 | $235,000 |
| Highland Pines | 1 | 0 | $234,900 | $234,900 |
| Not Validd | 1 | 0 | $223,000 | $223,000 |
| Bardin Estates | 1 | 0 | $215,000 | $215,000 |
| Burts | 1 | 0 | $214,900 | $214,900 |
| Harts Plat | 1 | 0 | $199,900 | $199,900 |
| Mckeans Sub | 1 | 0 | $198,500 | $198,500 |
| Rellim Manor | 1 | 0 | $192,000 | $192,000 |
| Hillcrest | 1 | 0 | $189,700 | $189,700 |
| River Road Estates | 1 | 0 | $175,000 | $175,000 |
| Moccasin Creek | 1 | 0 | $169,999 | $169,999 |
| Rudds | 1 | 0 | $167,900 | $167,900 |
| Bostwick | 1 | 0 | $150,000 | $150,000 |
| Pinehurst | 1 | 0 | $149,990 | $149,990 |
| Ross Green | 1 | 0 | $126,500 | $126,500 |
| Putnam County | 1 | 0 | $99,900 | $99,900 |
| P & B Ranchettes | 1 | 0 | $99,900 | $99,900 |
| Rural | 1 | 0 | $65,500 | $65,500 |
| Mcgregors | 1 | 0 | $57,200 | $57,200 |
| Glisson & Wells Sub | 1 | 0 | $50,000 | $50,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Palatka?
What do homes under $300K cost in Palatka?
Which Palatka community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Palatka
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Homes Under $300K in nearby Putnam County cities
- Interlachen homes under $300K (98 for sale)
- Hawthorne homes under $300K (69 for sale)
- Satsuma homes under $300K (62 for sale)
- Crescent City homes under $300K (44 for sale)
- Melrose homes under $300K (33 for sale)
- Florahome homes under $300K (17 for sale)
- Welaka homes under $300K (15 for sale)
- Pomona Park homes under $300K (12 for sale)
Live data: realMLS, Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Palatka, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.