Moseley Oaks
Homes for Sale in Palatka, FL
All 108 homes for sale in Palatka, FL · median $255,500 · 114 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 5 closed sales in Moseley Oaks in Palatka, FL since 2012, the most recent in November 2024. Across Palatka as a whole, 43 homes closed in the last 12 months at a median of $291,720, 62 median days on market, with 7 homes for sale today. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $4,930 ($4,250 with the full homestead exemption).
Moseley Oaks sits in Palatka, in Putnam County — an inland market on the St. Johns River corridor where price is driven far more by the individual home than by any neighborhood premium. With no median or volume figures in front of me for this snapshot, I'd treat every listing here on its own terms: condition, lot, and updates will move the number more than the address does.
For a buyer, that means the work is in the walk-through, not the comps sheet — expect a wide spread between a tired house and a renovated one on the same street. For a seller, it means presentation and honest pricing carry the outcome; you don't get to lean on a hot area name to do the lifting.
Nearby homes for sale
No active listings inside Moseley Oaks 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
Moseley Oaks is a Palatka community in Putnam County, positioned in Northeast Florida's inland river region rather than the coastal metro. It reads as a place where the specific house — not a neighborhood label — sets the value.
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 Moseley Oaks is best for.
Best for
- Buyers who want an inland, quieter part of Northeast Florida and don't need a coastal address
- Value-minded buyers willing to weigh condition and updates house by house
- Buyers prioritizing lot and property quality over a marquee neighborhood name
Probably not for
- Buyers who need to be near the coast or beaches
- Buyers wanting a short commute to a large metro job center
- Buyers who want a turnkey purchase with no interest in evaluating condition
The market around Moseley Oaks
Moseley Oaks is too small for its own price trend, so here is the market around it.
In ZIP 32177, 152 homes are on the market and 28% are under contract — a steady corner of Palatka.
Across Putnam County, 701 homes are active and 159 pending (18% under contract).
In ZIP 32177 (Palatka), 240 homes closed in the last 12 months at a median of $308K ($180/sq ft), down 2.9% year over year, with a median 64 days on market. Right now 13 active and 4 pending listings put supply at about 5.3 months — a buyer's market. See the live ZIP 32177 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Moseley Oaks specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Moseley Oaks, 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 Moseley Oaks buying strategy.
If we were buying in Moseley Oaks 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 Moseley Oaks.
Reading Moseley Oaks on its own terms
Palatka is a Putnam County market with its own rhythm, well away from the pace and pricing of the coastal Jacksonville suburbs. That distance is the trade: you're farther from the coast and the larger job centers, but you're in a quieter, lower-key part of the region.
Because I don't have price or inventory data in this snapshot, I won't guess at a range. What I can say is that in a smaller inland community like this, valuation tends to be condition-driven — updated systems, roof age, and lot quality tell you more than any street-level trend. Come prepared to evaluate homes individually.
The location and the amenities are priced into every listing in Moseley Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Smaller inland markets like Palatka reward local, house-by-house judgment over broad assumptions. We'll price and evaluate on the merits of the actual property — condition, lot, and location within Putnam County — and tell you plainly when a listing doesn't hold up, rather than selling you a neighborhood name.
Moseley Oaks in 15 seconds.
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 Moseley Oaks 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 Moseley Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Moseley Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Moseley Oaks home worth?
Get a no-obligation home value based on real comparable sales in Moseley Oaks, 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 →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Putnam County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
How many homes are in Moseley Oaks?
What share of Moseley Oaks is owner-occupied?
When were the homes in Moseley Oaks built?
Who is the best real estate agent for Moseley Oaks?
How do I find a top Palatka real estate agent who knows Moseley Oaks?
Can Momentum Realty connect me with an agent for Moseley Oaks?
Where is Moseley Oaks, and what county is it in?
How far is Moseley Oaks from downtown Jacksonville and the beach?
Should you buy in Moseley Oaks?
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 32177)) |
| Under-contract shares | realMLS records, as of 2026-09-24 |
| Historical depth | Closed-sale records back to 2012 (5 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Moseley Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Moseley Oaks. These are the public schools most often assigned to other communities in ZIP 32177; zones change and vary by address, so confirm with the district before you buy.
- Palatka High School · High (assigned to 7 nearby communities)
- Robert H. Jenkins Junior Middle School or C. L. Overturf Jr. 6th Grade Center · Middle (assigned to 7 nearby communities)
- James A. Long Elementary School · PreK-5 (Putnam, Palatka area) · FLDOE grade B (assigned to 5 nearby communities)
- Palatka Jr.-Sr. High School · 7-12 (assigned to 4 nearby communities)
- William D. Moseley Elementary School · Elementary · FLDOE grade C (assigned to 3 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 Moseley Oaks with Momentum Realty’s local guides.