Rudds
Homes for Sale in Palatka, FL

Rudds market snapshot (as of October 1, 2026): the median sale price is about $292K ($180 per sq ft over the trailing 12 months of closed sales), a median 147 days on market for closed sales, and 1.7 months of supply, a seller-leaning market. The trailing-12-month median is up 25% from the prior 12 months, computed from record-level realMLS closed sales (7 closings in the current window).

In ZIP 32177 (Palatka), 240 homes closed in the last 12 months at a median of $308K ($180/sq ft), down 2.9% year over year, with a median 64 days on market. Right now 13 active and 4 pending listings put supply at about 5.3 months — a buyer's market. See the live ZIP 32177 housing market and the Putnam County market.

realMLS (Northeast Florida) sales records identify 43 homes in Rudds that have changed hands since 2001, built between 1940 and 2025 (median 1966), with a median living area of about 1,296 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.

Flood zones in Rudds: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary — verify any specific address at msc.fema.gov.

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.

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.

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.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.