Oak Terrace
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 via realMLS
As of November 2026, Oak Terrace in Palatka, FL has 1 home for sale. Over the 12 months ending 2026-11-12, 5 recorded sales closed at a median of $175,000, $155 per square foot, a median 85 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 1939–1964; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 74 ft). At the median price and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $2,960 ($2,280 with the full homestead exemption).
Oak Terrace's pricing here is set by age and square footage, not amenities — there's none identified from current MLS listings. The median sale sits at $179,950, or $182.88 per square foot, across a small pool of 96 homes. Vintage varies widely: homes here were built anywhere from 1933 to 2017, with a median year built of 1964, so buyers are shopping a mix of legacy construction and newer infill rather than a uniform build era.
The current posture favors patience. A median 108 days on market says these homes don't move fast, giving buyers real room to negotiate on price and inspection items. At a 59.8% homestead share, more than half of the community's homes are owner-occupied rather than investment or seasonal holdings — worth factoring into how a listing is priced and how quickly a seller may need to move.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Oak Terrace right now
🔴 Seller-leaning market. 2.4 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.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: Medium (1 active and pending listings, 5 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Oak Terrace market snapshot (as of November 12, 2026): the median sale price is about $175K ($155 per sq ft over the trailing 12 months of closed sales), a median 85 days on market for closed sales, and 2.4 months of supply, a seller-leaning market.
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.
Oak Terrace is a community of 23 homes in Palatka, Putnam County, built between 1935 and 1979 (median 1950), with a median living area of about 1,186 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Oak Terrace is a modest, established pocket of Palatka in Putnam County where home age spans generations rather than a single build era, and pricing tracks size and condition more than any shared amenity package.
The setting & the homes.
Aerial and on-site photos of Oak Terrace. Swipe to explore the community.
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Oak Terrace
Oak Terrace
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Oak TerracePhotos from realMLS listings in Oak Terrace; content deemed reliable but not guaranteed.
Who Oak Terrace is best for.
Best for
- Buyers working with a budget near the $179,950 median who want more square footage per dollar than amenity-heavy communities offer.
- Buyers willing to evaluate homes individually given a build-year spread from 1933 to 2017.
- Buyers who can work on a longer timeline, given a median 108 days on market.
Probably not for
- Buyers who need a shared amenity package — none identified in current MLS listings.
- Buyers expecting uniform new construction rather than a mixed-vintage housing stock.
- Sellers expecting a fast sale — the median 108 days on market argues for a longer runway.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 12 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($175K) IS the median in the snapshot above.
Windows contain 1 to 7 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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).
Oak Terrace Market Scorecard
Oak Terrace is currently a seller-leaning market. About 2.4 months of supply, a median asking price of $199,500, and homes go under contract in about 38 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Oak Terrace
Live MLS inventory for Oak Terrace. 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 Oak Terrace listings as of 2026-11-13, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Oak Terrace 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.
Schools
- Putnam County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Palatka High School (Putnam County School District); verify by address · High
- Robert H. Jenkins Junior Middle School or C. L. Overturf Jr. 6th Grade Center (verify by address) · Middle
- William D. Moseley Elementary School (verify by address)FLDOE grade C · Elementary
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Putnam County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Oak Terrace address.
The Oak Terrace buying strategy.
If we were buying in Oak Terrace 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Oak Terrace.
Price Is About the House, Not the Package
With no clubhouse, pool, or shared amenity identified in current MLS listings, every dollar of Oak Terrace's $179,950 median price is tied to the structure itself — square footage, age, and condition. At a median of 1,504.5 square feet and $182.88 per square foot, this reads as a straightforward, unadorned housing stock rather than a lifestyle-amenity community.
The build years tell the real story: homes here range from 1933 up through 2017, with a median year built of 1964. That spread means a buyer touring Oak Terrace could be looking at a home that's changed hands for decades or one built well after. Inspection and renovation history matter more in a market like this than they would in a single-era subdivision, and pricing a listing accurately means anchoring to the specific home, not a neighborhood average.
The location and the amenities are priced into every listing in Oak Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Oak Terrace buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (6.6). Basis: Liquidity & Demand 2.4 months of supply; Owner Commitment 61% owner-occupied; Pricing Power 94.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a small, mixed-vintage market like Oak Terrace — 96 homes, a 108-day median time on market, and no shared amenities to lean on — pricing and marketing come down to comparable-by-comparable judgment. Momentum's read on Putnam County inventory means we price to the home's actual age and square footage rather than a blended neighborhood number, and we set expectations early on a market that moves on the seller's terms, not the calendar.
Oak Terrace in 15 seconds.
Tools for a Oak Terrace 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 Oak Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oak Terrace home worth?
Get a no-obligation home value based on real comparable sales in Oak Terrace, 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 →
Every Home for Sale in Oak Terrace Palatka Right Now (1)
All 1 active and pending Oak Terrace Palatka listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2601 State Street · $199,500 · 3 bd / 1 ba · listed Oct 5, 2026 · listed by Endless Summer Realty
Recently sold in Oak Terrace Palatka
- 1814 Locust Avenue · sold $165,000
- 1820 Roselle Avenue · sold $175,000
- 2505 State Street · sold $148,000
- 2007 Sherman Avenue · sold $196,000
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
- 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.
- Roselle Avenue (8 homes on record)
- Husson Avenue (4 homes on record)
Email me new listings in Oak Terrace
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 Oak Terrace
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Oak Terrace will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Oak Terrace?
How long do homes in Oak Terrace take to sell?
Is Oak Terrace a buyer's or seller's market right now?
How many homes are in Oak Terrace?
What share of Oak Terrace is owner-occupied?
When were the homes in Oak Terrace built?
What schools serve Oak Terrace?
Who is the best real estate agent for Oak Terrace?
How do I find a top Palatka real estate agent who knows Oak Terrace?
Can Momentum Realty connect me with an agent for Oak Terrace?
Where is Oak Terrace, and what county is it in?
How far is Oak Terrace from downtown Jacksonville and the beach?
Is Oak Terrace a good place to live?
Should you buy in Oak Terrace?
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) |
| Community market stats | realMLS closed sales, 12-month windows ending November 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32177)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2011 (52 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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See how Oak Terrace fits the bigger picture — live prices, inventory, and Momentum Scores: