listed Jul 2, 2026Single Family Residence▼ Price cut: $5,000 (8/7)
$224,999
3-Bedroom Home in Conway Of Rogeros
116 Moseley Avenue, Palatka, FL 32177
Single Family Residence in Conway Of Rogeros, Palatka · Built 2025
Conway Of Rogeros · Palatka, FL 32177 · Putnam County
Listing data checked against the MLS November 13, 2026 at 1:38 AM ET · rechecked hourly
Listed by IHEART REALTY INC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,210Sq Ft
2025Year Built
$186Per Sq Ft
1-car garageNew constructionFEMA Zone X
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.
354% above
$/sq ft vs community
$186 here vs $41 median sold (12 mo)
Buyer leverage
Strong buyer advantage
133 days on market
8.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~58 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
116 MOSELEY Avenue in Conway Of Rogeros, Palatka is listed at $224,999 (1,210 sq ft, about $186 per sq ft). That is 400% above Conway Of Rogeros's median closed sale of $45,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $41/sq ft by about 354%. It has been listed Jul 2, 2026, longer than the community's typical 16 days to contract. Listing facts: new construction, 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.
New construction — built 2025
1,210 sq ft of living area
1-car garage
Listed at $224,999 — recent neighborhood median sale price ~$45,000 (nearby sales; deemed reliable, not an appraisal)
listed Jul 2, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
New construction 3-bedroom, 2-bath home in Palatka, FL! This move-in-ready 1,210 sq ft home features an open floor plan, modern finishes, and a fully sodded yard with an irrigation system already in place. The kitchen is built around a center island with quartz countertops and stainless steel appliances, opening to the living area for easy everyday flow.
The primary suite feels like a retreat, with both a walk-in shower and a separate soaking tub, a feature rarely found in homes this size. Two additional bedrooms and a second full bath offer room for guests, a home office, or hobbies. Outside, the irrigation system keeps the lawn green with less work, so you can spend weekends enjoying your yard instead of watering it.
It's brand new, low-maintenance, and ready for its first owner in Palatka.
All 33 photos
Description provided by IHEART REALTY INC and reproduced from the MLS; not independently verified.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$207,400the mess$252,500
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales.
Track record: across 2,820 recent closed sales we scored, the closed price landed inside the Messtimate range 64% of the time; median miss 9.0% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-12.
Actual list price: $224,999 ($186/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 22% spread on the same house — here is what a model can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in the model.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: listed Jul 2, 2026 on market vs. a 16-day community median
2 active listings competing
≈8.0 months of supply
3 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + a local hedonic fit (60 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 12, 2026.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jul 2026
$199,900
120 E OAK HILL Drive, Palatka
3 / 1 bd/ba · 1,210 sq ft · $165/sq ft
· View details →
Sold Jan 2026
$165,000
128 DEVILS ELBOW Road, Palatka
3 / 1 bd/ba · 1,210 sq ft · $136/sq ft
· View details →
Sold Apr 2026
$135,000
116 DELLWOOD Avenue, Palatka
3 / 1.5 bd/ba · 1,212 sq ft · $111/sq ft
· View details →
Sold Nov 2025
$279,900
129 UNDERWOOD Drive, Palatka
3 / 2 bd/ba · 1,215 sq ft · $230/sq ft
· View details →
Sold Mar 2026
$30,000
116 CORBETT Road, Palatka
2 / 1.5 bd/ba · 1,170 sq ft · $26/sq ft
· View details →
Sold Apr 2026
$277,000
6106 W 3RD Manor, Palatka
2 / 1.5 bd/ba · 1,260 sq ft · $220/sq ft
· View details →
Median of these 6 sales: $45,000 ($41/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$224,999
Bed / bath3 / 2
Living area1,210 sq ft
Year built2025
Property typeSingle Family Residence
Garage1-car
MLS #2153529
Listing statuslisted Jul 2, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~58 ft
CountyPutnam
Area listings2 active · 0 under contract
Estimated first-year tax~$2,520/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$186
Estimated monthly payment$1,490
Insurance (illustrative)$500–$1k/yr
Messtimate range$134,310 – $266,200
Comparable-sales median$45,000
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
Financing
Estimated monthly payment
$1,490/mo
Principal & interest $1,219/mo82%
Taxes $210/mo14%
Insurance $61/mo4%
$1,490/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
Buy at the asking price of $224,999 and the first-year bill resets to about $3,125/yr (Putnam County total millage 16.8861 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Putnam County is $1,345/yr (550 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $372/month (tax $260, insurance $112). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,520/yr
Estimate: a typical Putnam effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$500–$1k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
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
~58 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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. 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.
Momentum Research · Conway Of Rogeros
Pricing & the Conway Of Rogeros market
How this home is priced against recent nearby sales, and where Conway Of Rogeros has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2025BuiltPer public record
About Jul 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jul 2, 2026)
Jul 10, 2026First seen on our siteObserved at $229,999
Aug 7, 2026Price cut$224,999 (-$5,000, -2.2%)
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 $224,999IHEART REALTY INC · listed Jul 2, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
49/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
49/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $186/sq ft vs the community 12-month median $41/sq ft.
Affordability0
List price $224,999 vs the community median $45,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~58 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity49
Community median 16 days on market, ~8.0 months of supply (12-month record).
Pricing power68
Recent sales closed at about 94.4% of original asking (~5.6% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 133 days on market for this home, against a 16-day area median.Days on market:this home 133Area median: 16 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of November 11, 2026.
🟡 Asking $186 per square foot, about 354% above the community’s $41 median. Conway Of Rogeros’s 12-month median sold price per square foot is $41. Confidence: Low · 3 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
38% of homes in Conway Of Rogeros are owner-occupied. An estimated 62% are non-owner-occupied, including 15% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 94 homes matched. Community-level context.
Recent Conway Of Rogeros sales closed near 94.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending November 11, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Conway Of Rogeros, no CDD assessment.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by IHEART REALTY INC · MLS # 2153529
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Keep looking
Similar homes for sale near Conway Of Rogeros
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Crill Avenue in Palatka to close Nov. 2 for railroad work
The city of Palatka will close both lanes of Crill Avenue from Osceola Street to South 13th Street near the railroad underpass on Monday, Nov. 2, from 9 a.m. to 2 p.m. The closure could extend to Nov. 3 if needed. No traffic can pass under the tracks until the railroad work is finished.
Why it matters: Drivers in central Palatka should expect short detours and added travel time on the day of the closure. The site is about 1 mile east of Conway Of Rogeros.
Georgia-Pacific plans $150 million replacement of paper machine at Palatka mill
Georgia-Pacific announced a roughly $150 million project to replace the No. 4 paper machine, installed in 1980, at its Palatka mill. Completion is expected in the second quarter of 2028. The company says the project will not directly add permanent jobs at a mill that employs 1,032 people, though construction will bring in contractors.
Why it matters: The investment signals long-term commitment to a major Putnam County employer and should bring temporary contractor activity to the Palatka area through 2028. The site is about 2 miles northeast of Conway Of Rogeros.
Port Putnam receives $285,000 state grant for infrastructure planning
Port Putnam, off Comfort Road in Palatka, received a $285,000 Rural Infrastructure Fund planning grant from FloridaCommerce with no county match required. The money covers studies and preliminary designs for port upgrades. The port authority also voted to let its chairperson sign port documents and discussed a workshop on broadening the board.
Why it matters: Planning for port upgrades could eventually expand industrial and freight capacity near Palatka, supporting local employment and commercial land demand. The site is about 3 miles east of Conway Of Rogeros.
Palatka commissioners give first approval to annex 10 parcels
The Palatka City Commission voted 3-2 on its Thursday meeting to give the first of two required approvals to annex 10 parcels into the city, against legal advice to wait. Parcel locations, acreage and planned use were not published in the visible report.
Why it matters: Annexation would extend city services and zoning to additional parcels around Palatka, potentially adding developable land inside city limits. The site is about 1 mile east of Conway Of Rogeros.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Putnam County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Putnam County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 116 MOSELEY Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Putnam County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,210 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,520/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 13, 2026)
Comparable sales
realMLS closed sales within about 3 miles, last 18 months, as of November 11, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 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.
Answered before you ask
Frequently asked questions
How big is 116 MOSELEY Avenue and when was it built?
Per the listing record, 116 MOSELEY Avenue was built in 2025 and has 1,210 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 116 MOSELEY Avenue in?
116 MOSELEY Avenue is in Conway Of Rogeros in Palatka, Putnam County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 116 MOSELEY Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 116 MOSELEY Avenue differ from the current owner's?
The estimate on this page (about $2,520 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 116 MOSELEY Avenue in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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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 home 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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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 homestead 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.
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.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
