Prosper Street
Homes for Sale in Palatka, FL
All 106 homes for sale in Palatka, FL · median $249,450 · 108 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 8 closed sales in Prosper Street in Palatka, FL since 2001, the most recent in February 2023. Across Palatka as a whole, 42 homes closed in the last 12 months at a median of $291,720, 58 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).
Prosper Street sits in Palatka, in Putnam County, and the honest read is that this is a location-and-condition market rather than a headline-number one. We don't have a median price or day-count worth quoting for this street as of mid-2026, so any buyer should treat individual listings on their own merits — condition, lot, and recent work drive value here more than any neighborhood average.
For sellers, that means pricing off the specifics of your property and comparable closings nearby, not a round figure. For buyers, it means slowing down long enough to inspect: in a small Putnam County market like this, one well-maintained home and one deferred-maintenance home can look similar in a listing photo and price very differently once you're inside.
Nearby homes for sale
No active listings inside Prosper Street 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
Prosper Street is a small residential pocket in Palatka, the Putnam County seat along the St. Johns River. It reads as an in-town street where the merits of each individual home matter more than any single market statistic.
realMLS (Northeast Florida) sales records identify 5 homes in Prosper Street that have changed hands since 2001, built between 1971 and 1974 (median 1971), with a median living area of about 1,225 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 Prosper Street is best for.
Best for
- Buyers who want an in-town Palatka location and will judge each property individually
- Value-focused buyers willing to budget for condition and do thorough inspections
- Buyers planning to hold rather than flip in a small, low-volume market
Probably not for
- Buyers who need the reassurance of a deep pool of recent comparable sales
- Buyers on a tight timeline who can't absorb a slower, less predictable resale market
- Buyers unwilling to fund inspections and potential deferred-maintenance work
The market around Prosper Street
Prosper Street is too small for its own price trend, so here is the market around it.
In ZIP 32177, 149 homes are on the market and 28% are under contract — a steady corner of Palatka.
Across Putnam County, 700 homes are active and 157 pending (18% under contract).
In ZIP 32177 (Palatka), 241 homes closed in the last 12 months at a median of $308K ($180/sq ft), up 1.7% year over year, with a median 61 days on market. Right now 14 active and 5 pending listings put supply at about 5.8 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 Prosper Street specifically. Momentum Research analysis of MLS records.
Prosper Street by the numbers
From county property records and closed MLS sales for the Prosper Street subdivision: 5 homes on record; built 1971–1974; typical size about 1,225 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2001 | 1 | $78,000 |
| 2014 | 1 | $76,000 |
| 2016 | 1 | $33,000 |
| 2018 | 1 | $84,900 |
| 2020 | 1 | $132,500 |
Newest recorded sale: $132,500 on 2020-02-20.
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 Prosper Street buying strategy.
If we were buying in Prosper Street 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 Prosper Street.
Reading a thin market
Palatka is an older river town, and streets like this one tend to hold a mix of housing vintages. Without a large volume of active listings to average against, the sensible approach is comp-by-comp: what has actually sold nearby, in what condition, and how long it took. We would rather describe this qualitatively than hand you a number the data doesn't support.
Practically, that puts the burden on due diligence. Roof age, systems, foundation, and any water-adjacency considerations for a river town should be verified property by property. On a street this size, that legwork is the whole game.
The location and the amenities are priced into every listing in Prosper Street. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Northeast Florida including Putnam County, and we treat thin markets like Prosper Street the way they deserve — by pulling real nearby closings and inspecting condition rather than leaning on averages that don't exist at street level. We'll tell you plainly when a home is priced for its condition and when it isn't.
Prosper Street 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 Prosper Street 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 Prosper Street sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Prosper Street, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Prosper Street home worth?
Get a no-obligation home value based on real comparable sales in Prosper Street, 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 Prosper Street?
What share of Prosper Street is owner-occupied?
When were the homes in Prosper Street built?
Who is the best real estate agent for Prosper Street?
How do I find a top Palatka real estate agent who knows Prosper Street?
Can Momentum Realty connect me with an agent for Prosper Street?
Where is Prosper Street, and what county is it in?
How far is Prosper Street from downtown Jacksonville and the beach?
Should you buy in Prosper Street?
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 2026-09-26 |
| Historical depth | Closed-sale records back to 2001 (8 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.
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See how Prosper Street fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Prosper Street with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Prosper Street. 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).