Oak Tree
Homes for Sale in Palatka, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 16 closed sales in Oak Tree in Palatka, FL since 2002, the most recent in May 2020. Across Palatka as a whole, 43 homes closed in the last 12 months at a median of $210,000, 61 median days on market, with 8 homes for sale today. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $3,550 ($2,870 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.
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, 166 homes are on the market and 25% are under contract — a steady corner of Palatka.
Across Putnam County, 701 homes are active and 163 pending (19% under contract).
In ZIP 32177 (Palatka), 162 homes closed in the last 12 months at a median of $214K ($176/sq ft), up 5.5% year over year, with a median 61 days on market. Right now 14 active and 5 pending listings put supply at about 4.3 months — a balanced market. 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.
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.
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.
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 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.
See all homes for sale in Palatka →
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?
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 2026-09-12 |
| Historical depth | Closed-sale records back to 2002 (16 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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See how Oak Tree fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Oak Tree with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Oak Tree. 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).