Rudds
Homes for Sale in Palatka, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Rudds is an older, condition-driven market. The median home dates to 1963, with the housing stock stretching all the way back to 1895 and up to brand-new 2025 builds. In a spread that wide, price is set less by any single number and more by what shape a specific house is in — a restored century-old home and a tired mid-century cottage can sit far apart even at a similar square footage. The median lands at $290,000, or about $183 per square foot on roughly 1,550 square feet.
The posture right now is patient. Median days on market runs to 122, so nothing here moves on a rush, and the heat score of 51 reads as balanced rather than hot. Year-over-year the median is up 34.9%, but that figure rides on a thin base of just 7 closings, so treat it as a signal of direction, not a precise gauge. For buyers, that combination means room to inspect, negotiate, and walk. For sellers, it means condition and pricing discipline carry the sale.
Rudds right now
🟢 Still climbing. The trailing-12-month median ($290K) is up 34.9% from the prior 12 months ($215K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 14. Confidence: Low (7 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 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
Rudds market snapshot (as of July 14, 2026): the median sale price is about $290K ($183 per sq ft over the trailing 12 months of closed sales), and a median 122 days on market for closed sales. The trailing-12-month median is up 35% from the prior 12 months, computed from record-level realMLS closed sales (7 closings in the current window).
Rudds is a community of 364 homes in Palatka, Putnam County, built between 1895 and 2025 (median 1963.0), with a median living area of about 1,550 square feet. 68% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Rudds is a small, long-established pocket of Palatka where the homes vary enormously in age and condition, and where a high homestead share suggests most owners stay put rather than trade quickly.
The setting & the homes.
Aerial and on-site photos of Rudds. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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RuddsPhotos from realMLS listings in Rudds; content deemed reliable but not guaranteed.
Who Rudds is best for.
Best for
- Buyers planning to hold long-term who value a stable, owner-occupied area
- Buyers with a renovation budget who can assess an older home's systems and price accordingly
- Patient buyers who want time to inspect and negotiate rather than compete on speed
Probably not for
- Buyers who need to close and resell quickly in a fast-moving market
- Buyers seeking a fully updated, move-in-ready home with no condition variables
- Investors relying on a deep pool of recent comparable sales to model returns
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($290K) IS the median in the snapshot above, and the move from 2025 ($215K) IS the +34.9% one-year change.
Windows contain 1 to 7 sales each (7 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.
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.
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 (2026-07-18).
Rudds Market Scorecard
Rudds is currently a balanced market..
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 Rudds
Live MLS inventory for Rudds. 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 Rudds listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Rudds 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, tiles © CARTO.
The Rudds buying strategy.
If we were buying in Rudds 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 Rudds.
An owner-occupied, slow-turning market
About 68% of homes here carry a homestead exemption, which tells you this is largely an owner-occupied area rather than an investor churn. That tends to hold inventory off the market and keeps turnover low — reinforced by the 122-day median time to sell. Across 364 homes, only 7 closed in the measured window, so comparable sales are scarce and each listing effectively sets its own reference point.
The practical takeaway is that pricing here is a house-by-house exercise. With building years running from 1895 to 2025, the label 'Rudds' covers everything from historic structures to new construction, and the median year of 1963 means many homes will raise the usual questions about systems, roofs, and updates. Do the diligence on the individual property; the neighborhood average will not answer it for you.
The location and the amenities are priced into every listing in Rudds. 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 Rudds 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 (8.5). Basis: Recent Direction +34.9% year-over-year; Owner Commitment 68% owner-occupied; Pricing Power 98.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A thin-comp, wide-condition market is exactly where a local read earns its keep. With only a handful of recent closings and a housing stock spanning more than a century, we price and evaluate off the actual house in front of us — its systems, its updates, its square footage — not a blunt neighborhood average. Whether you are buying with time to inspect or selling into a patient market, we set expectations honestly and negotiate to them.
Rudds in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Rudds 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 Rudds sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Rudds, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Rudds home worth?
Get a no-obligation home value based on real comparable sales in Rudds, 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 homes for sale in Rudds on the map →
Frequently Asked Questions
What is the median home price in Rudds?
How long do homes in Rudds take to sell?
How many homes are in Rudds?
What share of Rudds is owner-occupied?
When were the homes in Rudds built?
Do cash buyers compete in Rudds?
Who is the best real estate agent for Rudds?
How do I find a top Palatka real estate agent who knows Rudds?
Can Momentum Realty connect me with an agent for Rudds?
Should you buy in Rudds?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Rudds with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (5 streets, ZIP 32177)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2001 (70 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 your area comps.
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