Citrus Cove
Homes for Sale in East Palatka, FL
All 15 homes for sale in East Palatka, FL · median $334,000 · 18 homes for sale in 32131 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 12 closed sales in Citrus Cove in East Palatka, FL since 2004, the most recent in August 2020. Across East Palatka as a whole, 3 homes closed in the last 12 months at a median of $257,375, 49 median days on market. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $4,350 ($3,670 with the full homestead exemption).
Nearby homes for sale
No active listings inside Citrus Cove right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Citrus Cove sits in East Palatka, on the Putnam County side of the St. Johns River corridor southeast of the Jacksonville metro. This is small-town Northeast Florida: rural in character, river-adjacent, and a meaningful drive from the region's larger job centers and retail.
realMLS (Northeast Florida) sales records identify 7 homes in Citrus Cove that have changed hands since 2015, built between 1976 and 2026 (median 1988), with a median living area of about 2,160 sq ft and a typical 3-bedroom, 2.5-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.
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.
Who Citrus Cove is best for.
Best for
- Buyers who want a quieter, rural East Palatka setting and are comfortable with the drive to larger employment and retail centers
- Buyers prioritizing the St. Johns River corridor and Putnam County's slower pace over metro convenience
- Buyers willing to evaluate homes individually on condition rather than expecting uniform, subdivision-style inventory
Probably not for
- Buyers who need to be close to Jacksonville-area job centers with a short daily commute
- Buyers who want dense retail, dining, and services within a few minutes' reach
- Buyers who want a large, liquid pool of comparable listings to choose from and price against
The market around Citrus Cove
Citrus Cove is too small for its own price trend, so here is the market around it.
In ZIP 32131, 19 homes are on the market and 5% are under contract — a slower corner of East Palatka.
Across Putnam County, 701 homes are active and 163 pending (19% under contract).
In ZIP 32131 (East Palatka), 13 homes closed in the last 12 months at a median of $257K ($189/sq ft), down 0.4% year over year, with a median 49 days on market. See the live ZIP 32131 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Citrus Cove specifically. Momentum Research analysis of MLS records.
Citrus Cove by the numbers
From county property records and closed MLS sales for the Citrus Cove subdivision: 7 homes on record; built 1976–2026; typical size about 2,160 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2015 | 1 | $99,500 |
| 2017 | 2 | $185,439 |
| 2018 | 1 | $260,000 |
| 2020 | 2 | $437,000 |
Newest recorded sale: $625,000 on 2020-08-07.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
Housing distress & ownership in Citrus Cove, East Palatka
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The Citrus Cove buying strategy.
If we were buying in Citrus Cove 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 Citrus Cove.
A closer look at the Citrus Cove market
The housing stock is 21 homes built between 1976 and 2022, and 68% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Citrus Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Putnam County pockets like Citrus Cove trade thinly, and list data alone rarely tells the whole story of a specific street, lot, or home's condition. We work Northeast Florida on the ground, so we will walk you through what a given property actually is worth in this market rather than leaning on an automated guess, and we will tell you plainly when the numbers or the commute do not line up with your goals.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Citrus Cove 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 Citrus Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Citrus Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Citrus Cove home worth?
Get a no-obligation home value based on real comparable sales in Citrus Cove, 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 East Palatka →
Frequently Asked Questions
How many homes are in Citrus Cove?
What share of Citrus Cove is owner-occupied?
When were the homes in Citrus Cove built?
Who is the best real estate agent for Citrus Cove?
How do I find a top East Palatka real estate agent who knows Citrus Cove?
Can Momentum Realty connect me with an agent for Citrus Cove?
Should you buy in Citrus Cove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32131)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2004 (12 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 sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Citrus Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Citrus Cove. These are the public schools most often assigned to other communities in ZIP 32131; zones change and vary by address, so confirm with the district before you buy.
- Palatka Jr.-Sr. High School · 7-12 -- confirm zoning by address (assigned to 9 nearby communities)
- James A. Long Elementary School · Elementary · FLDOE grade B (assigned to 3 nearby communities)
- Palatka High School · 9-12, verify zoning (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Nearby Communities
Explore more neighborhoods near Citrus Cove with Momentum Realty’s local guides.
More East Palatka & Palatka & St. Johns River Country guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Palatka & St. Johns River Country or the full Neighborhood Finder.