Kentucky Heights
Homes for Sale in Palatka, FL
All 115 homes for sale in Palatka, FL · median $249,000 · 120 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of COLDWELL BANKER VANGUARD REALTY · via realMLS
As of November 2026, the MLS records 6 closed sales in Kentucky Heights in Palatka, FL since 2011, the most recent in April 2026. Across Palatka as a whole, 264 homes closed in the last 12 months at a median of $246,325, 72 median days on market, with 130 homes for sale today. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $4,160 ($3,490 with the full homestead exemption).

Kentucky Heights is a small, older pocket in Palatka. With just 10 homes tracked here and a build range running from 1915 to 1989, this is a place where price is driven far more by the condition and character of the individual house than by any neighborhood-wide comp. A median build year of 1973 tells you most of what you need to know: expect original systems, older footprints, and a wide spread between a home that's been kept up and one that hasn't.
The homestead share sits near one in six, which means much of what trades here is not owner-occupied long term. For a buyer, that's a signal to underwrite each property on its own merits and budget for updates. For a seller, it means a well-maintained or thoughtfully updated home can stand apart in a small pool where the baseline is aging inventory.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Kentucky Heights 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
This is a compact enclave of older Palatka homes where no two listings are truly comparable — the era of construction spans most of the twentieth century, and condition is the real variable buyers should price around.
realMLS (Northeast Florida) sales records identify 5 homes in Kentucky Heights that have changed hands since 2006, built between 1940 and 1992 (median 1954), with a median living area of about 1,017 sq ft and a typical 3-bedroom, 1-bath layout; 60% 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.
The setting & the homes.
Aerial and on-site photos of Kentucky Heights. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from realMLS listings in Kentucky Heights; content deemed reliable but not guaranteed.
Who Kentucky Heights is best for.
Best for
- Buyers on a modest budget willing to renovate an older home over time
- Investors seeking a smaller footprint to update and hold or rent
- Buyers who value character and don't need a large or newer house
Probably not for
- Buyers who want move-in-ready, newer construction
- Anyone needing a wide selection of active listings to compare
- Buyers unwilling to budget for updates on aging systems
The market around Kentucky Heights
Kentucky Heights 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), 102 homes closed in the last 12 months at a median of $190K ($156/sq ft), up 0.7% year over year, with a median 72 days on market. Right now 9 active and 2 pending listings. See the live ZIP 32177 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Kentucky Heights specifically. Momentum Research analysis of MLS records.
The Kentucky Heights buying strategy.
If we were buying in Kentucky Heights 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 Kentucky Heights.
A condition-driven older market
With a median living area around 1,333 square feet and a median build year of 1973, the housing stock here leans small and older. The oldest homes date to 1915, the newest to 1989, so you're shopping across radically different construction eras within one small area. That range rewards buyers who can read a house — roof, wiring, plumbing, foundation — rather than lean on a per-square-foot average.
Because the tracked inventory is only 10 homes, this is a thin market. Individual sales move the numbers a lot, and there may be stretches with little to choose from. Patience and a willingness to act when the right condition-to-price match appears matter more here than in a large, liquid subdivision.
The location and the amenities are priced into every listing in Kentucky Heights. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a thin, older market like this, the value is in the walkthrough, not the spreadsheet. We evaluate each home on its structure, systems, and update history, tell you plainly what a project will cost, and help you avoid overpaying in a pool where a single listing can skew the averages. When it isn't the right house, we say so.
Kentucky Heights in 15 seconds.
Tools for a Kentucky Heights 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 Kentucky Heights sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Kentucky Heights, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Kentucky Heights home worth?
Get a no-obligation home value based on real comparable sales in Kentucky Heights, 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 Kentucky Heights
Homes in Kentucky Heights 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. 1 on record.
- 3009 Aldan Street · off market
Housing distress & ownership in Kentucky Heights, 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.
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
- New construction (Putnam County)
- ZIP codes
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.
- S Palm Avenue (2 homes on record)
- Silver Lake Drive (1 homes on record)
Email me new listings in Kentucky Heights
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 Kentucky Heights
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Kentucky Heights will answer, and the answer is published on this page for the next buyer.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Kentucky Heights Palatka year by year since 2015, 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.
Frequently Asked Questions
How many homes are in Kentucky Heights?
What share of Kentucky Heights is owner-occupied?
When were the homes in Kentucky Heights built?
Who is the best real estate agent for Kentucky Heights?
How do I find a top Palatka real estate agent who knows Kentucky Heights?
Can Momentum Realty connect me with an agent for Kentucky Heights?
Where is Kentucky Heights, and what county is it in?
How far is Kentucky Heights from downtown Jacksonville and the beach?
Should you buy in Kentucky Heights?
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 (2 streets, ZIP 32177)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2011 (6 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.
Looking to buy here? Search homes for sale →
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See how Kentucky Heights fits the bigger picture — live prices, inventory, and Momentum Scores:











