5 Points
Homes for Sale in Palatka, FL
All 121 homes for sale in Palatka, FL · median $244,900 · 125 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of DEKAY COASTAL PROPERTIES · via realMLS
As of November 2026, 5 Points in Palatka, FL has 1 home for sale. Homes listed or recently sold were built 1955–1955; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 76 ft).
Price in 5 Points is driven by condition and vintage, not by a floor plan you can order twice. With a median year built of 1963 and stock reaching back to 1900, what you pay tracks how much work a home has already absorbed. The median sits at $182,000 and roughly $163 per square foot on about 1,520 square feet, but that median hides a wide spread between move-in-ready and project houses.
The market posture is patient. A median of 67 days on market and a heat score of 39 tell you this is not a bidding-war environment; homes that are priced to the median move, and those that reach past it tend to sit. The 28.2% year-over-year figure is real but reads off a small closing window of three, so treat it as directional rather than a promise. Sellers should price to condition and expect a measured timeline; buyers have room to inspect and negotiate.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
5 Points right now
🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 12, 2026. Confidence: Low (1 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 13, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
5 Points is an older, established pocket of Palatka where a homestead share near 64% points to owner-occupants holding rather than churning, and where a century-wide build range means two homes on the same block can be very different purchases.
realMLS (Northeast Florida) sales records identify 40 homes in 5 Points that have changed hands since 2001, built between 1945 and 1967 (median 1955), with a median living area of about 1,204 sq ft and a typical 3-bedroom, 1-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 28 qualified sales in 5 Points across 2024–2025 (21 in 2024, 7 in 2025), median $195,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of 5 Points. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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5 PointsPhotos from realMLS listings in 5 Points; content deemed reliable but not guaranteed.
Who 5 Points is best for.
Best for
- Buyers on a mid-range budget who value an established location over new construction
- Renovation-minded buyers willing to price out and take on an older home's systems
- Long-hold owner-occupants comfortable with a market that moves at a measured pace
Probably not for
- Buyers who need a move-in-ready, recently built home with no deferred work
- Short-horizon flippers counting on quick resale in a low-heat market
- Anyone unwilling to fund a thorough inspection on century-spanning housing stock
The market around 5 Points
5 Points is too small for its own price trend, so here is the market around it.
In ZIP 32177, 165 homes are on the market and 21% are under contract — a steady corner of Palatka.
Across Putnam County, 807 homes are active and 125 pending (13% under contract).
In ZIP 32177 (Palatka), 113 homes closed in the last 12 months at a median of $200K ($156/sq ft), up 0.7% year over year, with a median 69 days on market. Right now 13 active and 3 pending listings. See the live ZIP 32177 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not 5 Points specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in 5 Points
Live MLS inventory for 5 Points. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending 5 Points listings as of 2026-11-13, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Every Home for Sale in 5 Points Palatka Right Now (1)
All 1 active and pending 5 Points Palatka listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1508 Roselle Avenue · $177,900 · 3 bd / 1 ba · listed Sep 2, 2026 · listed by Duck Realty Inc
5 Points on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
The 5 Points buying strategy.
If we were buying in 5 Points today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in 5 Points.
Buying vintage, not volume
The defining fact here is age. A median build year of 1963 with homes dating to 1900 means charm, larger lots in places, and the maintenance realities that come with older construction — roofs, systems, wiring, and foundations that deserve a serious inspection. The per-square-foot median of about $163 on roughly 1,520 square feet is a blended number; a renovated home and an untouched one will land on very different sides of it.
With days on market at 67 and a modest heat score, this is a market that rewards diligence over speed. There is time to walk a property twice, price out the deferred work, and structure an offer around what the house actually needs. The higher homestead share suggests turnover is limited, so buyers should be ready to act when a well-kept home does list, without abandoning the inspection discipline the housing stock demands.
The location and the amenities are priced into every listing in 5 Points. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Older housing stock and a wide condition spread make pricing an exercise in judgment, not a lookup. We read each home on its own terms — what has been updated, what is deferred, and where the median genuinely applies — so buyers do not overpay for a project and sellers do not underprice a home that has already done the work. In a market moving at a measured pace, that read is where the value is.
5 Points in 15 seconds.
Tools for a 5 Points buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed 5 Points sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in 5 Points, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your 5 Points home worth?
Get a no-obligation home value based on real comparable sales in 5 Points, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palatka →
Recently off market in 5 Points
Homes in 5 Points that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 1604 Husson Avenue · off market
- 1622 Husson Avenue · off market
Recently sold in 5 Points Palatka
- 1604 Husson Avenue · sold $182,000
- 1622 Husson Avenue · sold $300,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Palatka home searches
- All homes for sale in Palatka, FL
- Homes for sale in Putnam County, FL
- Palatka waterfront homes for sale
- Homes from $300K to $500K in Palatka
- Palatka home values: what is my house worth?
- ZIP 32177 housing scorecard
Palatka guides & data
- Market data
- Property taxes (Putnam County)
- Homestead exemption (Putnam County)
- Home insurance cost
- HOA database
- New construction (Putnam County)
- ZIP codes
- Rent tracker
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Silver Lake Drive (10 homes on record)
- Roselle Avenue (10 homes on record)
- Husson Avenue (6 homes on record)
Email me new listings in 5 Points
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about 5 Points
Have a question about the homes, fees, rules or commute here? A Momentum agent who works 5 Points will answer, and the answer is published on this page for the next buyer.
23% of homes for sale in ZIP 32177 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-13).
Price History: What Homes Here Have Actually Sold For
Median sale prices in 5 Points Palatka year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Recent Developments in 5 Points
Development, infrastructure, retail, and school activity affecting 5 Points, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
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.
What it may mean for the marketDrivers in central Palatka should expect short detours and added travel time on the day of the closure. The site is less than a mile northeast of 5 Points.
Source: Palatka Daily News - October 2026Development
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.
What it may mean for the marketThe 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 1 mile north of 5 Points.
Source: Palatka Daily News - October 2026Infrastructure
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.
What it may mean for the marketPlanning for port upgrades could eventually expand industrial and freight capacity near Palatka, supporting local employment and commercial land demand. The site is about 2 miles east of 5 Points.
Source: Palatka Daily News - October 2026Development
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.
What it may mean for the marketAnnexation would extend city services and zoning to additional parcels around Palatka, potentially adding developable land inside city limits. The site is less than a mile northeast of 5 Points.
Source: Palatka Daily News - September 2026Development
Putnam Habitat completes fifth and final home in Veterans Village of Palatka
Putnam Habitat for Humanity finished the fifth home in the Veterans Village off Westover Drive on about 2 acres, a project begun in 2018. Infrastructure cost nearly $500,000, and Habitat plans another home on an adjoining lot.
What it may mean for the marketSmall-scale affordable infill adds a handful of owner-occupied homes to the Palatka housing supply. The site is less than a mile southwest of 5 Points.
Source: Palatka Daily News - May 2026Development
Palatka Planning Board advances downtown redevelopment PUD
The Palatka Planning Board unanimously approved a Planned Unit Development for multiple downtown parcels at St. Johns Avenue and Reach Street. The plan includes the James Hotel with 30 to 70 rooms, commercial spaces, and a rooftop bar and restaurant at the former Bingo Palace building, described by the developer as a tens of millions of dollars investment. The project now advances to the city commission for final consideration.
What it may mean for the marketA downtown hotel and mixed use redevelopment adds lodging and commercial space to the Palatka core and supports the downtown property market. The site is less than a mile north of 5 Points.
Source: The Local Lens
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
Is 5 Points a buyer's or seller's market right now?
How many homes are in 5 Points?
What share of 5 Points is owner-occupied?
When were the homes in 5 Points built?
Who is the best real estate agent for 5 Points?
How do I find a top Palatka real estate agent who knows 5 Points?
Can Momentum Realty connect me with an agent for 5 Points?
Where is 5 Points, and what county is it in?
How far is 5 Points from downtown Jacksonville and the beach?
Should you buy in 5 Points?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 13, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32177)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2011 (46 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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