West Harbor Farms
Homes for Sale in Palatka, FL
All 106 homes for sale in Palatka, FL · median $255,500 · 112 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 13 closed sales in West Harbor Farms in Palatka, FL since 2009, the most recent in May 2025. Across Palatka as a whole, 43 homes closed in the last 12 months at a median of $291,720, 62 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).
The snapshot for West Harbor Farms is thin right now — we have the community, its place in Palatka and Putnam County, and little else in the way of hard market data. That means anyone pricing here should lean on the specifics of the individual home and current comparable activity rather than a neighborhood average, because we don't have a reliable median or inventory read to anchor to.
For a buyer, that argues for patience and due diligence: verify condition, lot, and recent nearby sales before committing to a number. For a seller, it argues for a fresh look at what's actually moving in the immediate area — this is a market to price off evidence, not assumptions.
Nearby homes for sale
No active listings inside West Harbor Farms 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
West Harbor Farms sits in Palatka, in Putnam County, along Northeast Florida's St. Johns River corridor — a quieter, more rural stretch than the Jacksonville metro to the north.
realMLS (Northeast Florida) sales records identify 5 homes in West Harbor Farms that have changed hands since 2011, built between 1981 and 2007 (median 1987), with a median living area of about 1,152 sq ft and a typical 3-bedroom, 2-bath layout. 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.
County records show 3 qualified sales in West Harbor Farms across 2024–2025 (2 in 2024, 1 in 2025), median $129,900 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 West Harbor Farms is best for.
Best for
- Buyers who want a rural Putnam County base along the St. Johns corridor and will hold for the long term
- Buyers comfortable pricing off individual comps rather than a published neighborhood average
- Buyers prioritizing lot and property specifics over walkable amenities
Probably not for
- Buyers who need Jacksonville-metro convenience and daily amenities close at hand
- Buyers expecting a high-liquidity market with quick, predictable resale
- Buyers who want a clear neighborhood price benchmark before making an offer
The market around West Harbor Farms
West Harbor Farms is too small for its own price trend, so here is the market around it.
In ZIP 32177, 144 homes are on the market and 23% are under contract — a steady corner of Palatka.
Across Putnam County, 721 homes are active and 156 pending (18% under contract).
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.
ZIP and county figures describe the wider market, not West Harbor Farms specifically. Momentum Research analysis of MLS records.
West Harbor Farms by the numbers
From county property records and closed MLS sales for the West Harbor Farms subdivision: 5 homes on record; built 1981–2007; typical size about 1,152 heated sq ft; 3 bedrooms is the median.
| Year | Recorded sales | Median price |
|---|---|---|
| 2011 | 1 | $40,000 |
| 2022 | 1 | $27,000 |
| 2024 | 2 | $142,450 |
| 2025 | 1 | $129,900 |
Newest recorded sale: $129,900 on 2025-05-22.
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 West Harbor Farms buying strategy.
If we were buying in West Harbor Farms 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 West Harbor Farms.
A closer look at the West Harbor Farms market
The housing stock is 17 homes built between 1983 and 2007, and 44% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in West Harbor Farms. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a smaller Putnam County market like this, published averages tell you almost nothing about a specific street or home. We work the individual comps and walk the property with you, so your offer or list price is built on what's actually selling nearby rather than a headline number.
West Harbor Farms 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 West Harbor Farms 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 West Harbor Farms sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in West Harbor Farms, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your West Harbor Farms home worth?
Get a no-obligation home value based on real comparable sales in West Harbor Farms, 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 →
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.
Frequently Asked Questions
How many homes are in West Harbor Farms?
What share of West Harbor Farms is owner-occupied?
When were the homes in West Harbor Farms built?
Who is the best real estate agent for West Harbor Farms?
How do I find a top Palatka real estate agent who knows West Harbor Farms?
Can Momentum Realty connect me with an agent for West Harbor Farms?
Where is West Harbor Farms, and what county is it in?
How far is West Harbor Farms from downtown Jacksonville and the beach?
Should you buy in West Harbor Farms?
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 2026-10-01 |
| Historical depth | Closed-sale records back to 2009 (13 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how West Harbor Farms fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near West Harbor Farms with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for West Harbor Farms. 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).