Oak Tree
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.
As of November 2026, the MLS records 6 closed sales in Oak Tree in Palatka, FL since 2015, the most recent in May 2020. 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).
Oak Tree sits in Palatka, in the interior of Putnam County, away from the coastal price pressure that drives much of Northeast Florida. What sets pricing here is less about a hot market and more about the individual property: condition, lot, and how updated a given home is will move the number more than any neighborhood-wide trend. Treat each listing on its own merits rather than assuming a going rate.
For buyers, the posture is patient — this is not a market that rewards rushing or overbidding, so lean on inspection findings and comparable condition. For sellers, presentation and honest condition matter; a well-prepared home stands out here, while deferred maintenance gets priced in quickly. Come in with realistic expectations on both sides and the deal math tends to work.
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 Oak Tree 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
Oak Tree is a Palatka community set well inland in Putnam County, appealing to buyers who want to be away from coastal congestion and pricing. Value here tracks the specific home more than the ZIP code.
realMLS (Northeast Florida) sales records identify 9 homes in Oak Tree that have changed hands since 2004, built between 1988 and 2005 (median 2004), with a median living area of about 1,620 sq ft and a typical 3-bedroom, 2-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 Oak Tree is best for.
Best for
- Buyers prioritizing inland Putnam County value over coastal location
- Patient shoppers willing to evaluate each home on its condition
- Owners with a budget for updates who want to buy on the property's merits
Probably not for
- Buyers who need to be near the coast or beach corridors
- Anyone expecting a fast, competitive bidding market
- Buyers wanting a turnkey home with no attention to condition or maintenance
The market around Oak Tree
Oak Tree 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 Oak Tree specifically. Momentum Research analysis of MLS records.
Oak Tree by the numbers
From county property records and closed MLS sales for the Oak Tree subdivision: 9 homes on record; built 1988–2005; typical size about 1,620 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2004 | 3 | $152,190 |
| 2006 | 1 | $186,000 |
| 2017 | 1 | $189,901 |
| 2018 | 2 | $190,250 |
| 2019 | 1 | $239,000 |
| 2020 | 1 | $198,000 |
Newest recorded sale: $198,000 on 2020-05-28.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
The Oak Tree buying strategy.
If we were buying in Oak Tree 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 Oak Tree.
What actually drives value in Oak Tree
Palatka is an inland Putnam County town, which means the frame of reference is different from the beach corridors. Price is condition-driven here: the spread between an updated, well-kept home and one carrying deferred maintenance can be wide, and that gap tells you more about a given listing than any single average would.
Because the driver is the property rather than momentum, the practical work is in the details — roof age, systems, lot, and how recently the interior has been touched. A careful buyer who reads condition well can do fine here; the risk is assuming two homes are comparable simply because they share an address.
The location and the amenities are priced into every listing in Oak Tree. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a condition-driven inland market like this one, the value is in reading each property honestly rather than leaning on a headline number. We will walk a home's actual condition with you, flag what a listing price is really reflecting, and tell you plainly when a property — or the community — is not the right fit for your goals.
Oak Tree in 15 seconds.
Tools for a Oak Tree 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 Tree sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Tree, 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 Tree home worth?
Get a no-obligation home value based on real comparable sales in Oak Tree, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Housing distress & ownership in Oak Tree, 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 (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
Email me new listings in Oak Tree
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 Tree
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Oak Tree 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 Oak Tree 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.
Recent Developments in Oak Tree
Development, infrastructure, retail, and school activity affecting Oak Tree, 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 project is about 5 miles east of Oak Tree, elsewhere in Putnam County.
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 5 miles east of Oak Tree.
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 7 miles east of Oak Tree.
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 about 4 miles east of Oak Tree.
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 project is about 4 miles east of Oak Tree, elsewhere in Putnam County.
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 project is about 4 miles east of Oak Tree, elsewhere in Putnam County.
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
How many homes are in Oak Tree?
What share of Oak Tree is owner-occupied?
When were the homes in Oak Tree built?
Who is the best real estate agent for Oak Tree?
How do I find a top Palatka real estate agent who knows Oak Tree?
Can Momentum Realty connect me with an agent for Oak Tree?
Where is Oak Tree, and what county is it in?
How far is Oak Tree from downtown Jacksonville and the beach?
Should you buy in Oak Tree?
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 2026-11-12 |
| Historical depth | Closed-sale records back to 2015 (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.
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