8 days on market (MLS) Unimproved Land
$20,000
Land - Unimproved Land in Palatka

1615 Dunham Street, Palatka, FL 32177

Hanna Kline, listing agent
Listed by
Hanna Kline
Momentum Realty
Unimproved Land in Palatka Sears · No CDD on record
Palatka Sears · Palatka, FL 32177 · Putnam County
Listing data updated October 14, 2026 at 4:40 PM ET · checked against the MLS hourly
0.24Acres
Unimproved LandType
No CDD on recordFEMA Zone X0.24-acre lot
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Highlights

As of October 14, 2026, 1615 DUNHAM Street in Palatka Sears, Palatka is listed at $20,000. It has been 8 days on market. Listing facts: no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • 8 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this property

Zoned R-3 in the City of Palatka, build your dream home, duplex or townhouses on this peaceful .24 acre lot! City utilities available. Convenient location in the heart of downtown Palatka!

Buyer to confirm use of lot and perform all due dilligence.

Description provided by MOMENTUM REALTY and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$20,000
Lot size0.24 ac
Property typeUnimproved Land
MLS #2168013
Listing status8 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~21 ft
CountyPutnam
Estimated first-year tax~$224/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Estimated monthly payment$138
Insurance (illustrative)$500–$2k/yr

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~21 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Putnam County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this property. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Property timeline

This property’s history

  • About Oct 2026Listed (per MLS)MLS reports 8 cumulative days on market as of October 14, 2026
  • Oct 14, 2026First seen on movewithmomentum.comObserved at $20,000
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $20,000Momentum Realty · on market 8 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.

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More on Putnam County

Explore Putnam County

Browse market data, schools, taxes, and homes for sale across the county.

Nearby & guides

City, county & community guides

Where this property sits, with links to the matching guides. General reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: October 14, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Putnam County — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Ready when you are

See 1615 DUNHAM Street in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Hanna Kline, the listing agent, will follow up.

Momentum Realty · licensed in FL & GA

Listing agent

Listed by

Listing agent · Momentum Realty
See all of HANNA KLINE's listings

Listing courtesy of Momentum Realty.

Listing report for 1615 Dunham Street: market activity, competition and nearby sales

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the propertystead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the property or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.