# 102 Phillips Dairy Road, Palatka, FL 32177 > **TL;DR:** commercial, $399,000, built 1960. > A/C. Est. $2,134/mo. Listed 64 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $399,000 | | Year Built | 1960 | | Lot Size | 11,326 sqft (0.26 acres) | | Stories | 1 | | Property Type | Commercial (Retail) | | Status | Active | | Days on Market | 64 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,018 | | Estimated Insurance | $116 | | **Total** | **$2,134** | ## Key Amenities - A/C ## Property Highlights - Built in 1960 - 0.26 acre lot - 8 parking spaces ## Description ### Agent Description Remodeled, turnkey second-generation restaurant located along Palatka's State Road 19 commercial corridor within the Jacksonville-Kingsland-Palatka, FL-GA Combined Statistical Area (CSA). Positioned +/-500 feet from one of the area's busiest signalized intersections, where 2025 FDOT data indicate AADT traffic volumes up to 20,500 vehicles per day, the corner site offers +/-136 feet of SR 19 frontage with strong visibility along this commercial corridor. The +/-1,574-square-foot building features two dining areas, host/service area, private dining or flex space, office/storage, dedicated takeout room, commercial kitchen, and two restrooms with washable tile finishes throughout. The commercial kitchen includes a 9-foot hood with Ansul fire-suppression system, stainless-steel wall panels, gas range/oven, three-compartment sink, and dedicated handwashing sink. An adjoining takeout room with service window supports dine-in and off-premise sales and multiple revenue channels. The property is served by public water, sewer, and natural gas, with two tankless gas water heaters. A grease storage tank provides a revenue stream through biodiesel collection. The rear of the site previously accommodated outdoor seating for +/-45 patrons and offers flexibility for outdoor dining or parking expansion; plans are available. A separate block storage building includes a washer and dryer with hot-water capability. C-1 General Commercial zoning provides flexibility beyond restaurant use, allowing a range of retail, service, office, and other commercial uses, subject to City requirements and approvals. The property previously accommodated a multi-use configuration, with a hair salon and barber shop operating alongside the restaurant, demonstrating adaptability for complementary uses and owner-user or investor configurations. The asset's improvements and flexible use profile are complemented by its position within the Northeast Florida economy. The Jacksonville-Kingsland-Palatka CSA encompasses +/-1.93 million residents based on U.S. Census Bureau 2025 population estimates, reflecting continued population growth since 2020. This expanding regional population base supports continued residential, commercial, and service-sector investment throughout Northeast Florida. As the county seat of Putnam County, Palatka serves as an employment and service center with an economic base spanning government, education, healthcare, manufacturing, utilities, and retail. Major Palatka and Putnam County employers include the Putnam County School District, Georgia-Pacific's Palatka operations, Putnam County government, St. Johns River Water Management District, HCA Florida Putnam Hospital, St. Johns River State College, Seminole Electric Cooperative, and major retailers. Together, these employers provide an established customer base, supporting demand for restaurant, retail, and service-oriented uses that this asset is positioned to accommodate. ## Location - **Address:** 102 Phillips Dairy Road, Palatka, FL 32177 - **County:** Putnam - **Neighborhood:** Not on List - **Coordinates:** 29.65937, -81.667281 - **Google Maps:** https://www.google.com/maps?q=29.65937,-81.667281 ## Listing Agent - **Name:** Richard Fernley · **License:** 3602811 - **Brokerage:** Century21 J.W. Morton Real Estate, Inc - **Broker Phone:** (352) 726-6668 ## Photos ![102 Phillips Dairy Road - Photo 1](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f4055844917r.jpg) ![102 Phillips Dairy Road - Photo 2](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f178052355r.jpg) ![102 Phillips Dairy Road - Photo 3](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1450561183r.jpg) ![102 Phillips Dairy Road - Photo 4](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f322780176r.jpg) ![102 Phillips Dairy Road - Photo 5](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f2150004996r.jpg) ![102 Phillips Dairy Road - Photo 6](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f890819452r.jpg) ![102 Phillips Dairy Road - Photo 7](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3589020821r.jpg) ![102 Phillips Dairy Road - Photo 8](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f4086142154r.jpg) ![102 Phillips Dairy Road - Photo 9](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1247899826r.jpg) ![102 Phillips Dairy Road - Photo 10](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f2071014242r.jpg) ![102 Phillips Dairy Road - Photo 11](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f4258979538r.jpg) ![102 Phillips Dairy Road - Photo 12](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f2908316543r.jpg) ![102 Phillips Dairy Road - Photo 13](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1123854203r.jpg) ![102 Phillips Dairy Road - Photo 14](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3556889426r.jpg) ![102 Phillips Dairy Road - Photo 15](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3456486485r.jpg) ![102 Phillips Dairy Road - Photo 16](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f497817809r.jpg) ![102 Phillips Dairy Road - Photo 17](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f2476140210r.jpg) ![102 Phillips Dairy Road - Photo 18](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3702401521r.jpg) ![102 Phillips Dairy Road - Photo 19](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f460001160r.jpg) ![102 Phillips Dairy Road - 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Photo 80](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f4227487853r.jpg) ![102 Phillips Dairy Road - Photo 81](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1124270982r.jpg) ![102 Phillips Dairy Road - Photo 82](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f698077037r.jpg) ![102 Phillips Dairy Road - Photo 83](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1793200654r.jpg) ![102 Phillips Dairy Road - Photo 84](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3106058543r.jpg) ![102 Phillips Dairy Road - Photo 85](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f821388404r.jpg) ![102 Phillips Dairy Road - Photo 86](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3367457680r.jpg) ![102 Phillips Dairy Road - Photo 87](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f4113497250r.jpg) ![102 Phillips Dairy Road - Photo 88](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1858928516r.jpg) ![102 Phillips Dairy Road - Photo 89](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f2153486037r.jpg) ![102 Phillips Dairy Road - Photo 90](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3534382015r.jpg) ![102 Phillips Dairy Road - Photo 91](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f501852578r.jpg) ![102 Phillips Dairy Road - Photo 92](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f1322586833r.jpg) ![102 Phillips Dairy Road - Photo 93](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f3788088811r.jpg) ![102 Phillips Dairy Road - Photo 94](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f514550284r.jpg) ![102 Phillips Dairy Road - Photo 95](http://lh.rdcpix.com/6fbbe18ff18f2447a7f05730fc1c9cael-f727588230r.jpg) --- **MLS#:** 857346 | **Updated:** 2026-10-20 **Source:** listhub *Copyright © 2026 REALTORS Association of Citrus County, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/102-phillips-dairy-road-palatka-fl-32177-e02442a771d143d0a39b03ac5b465372) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/102-phillips-dairy-road-palatka-fl-32177-e02442a771d143d0a39b03ac5b465372#listing", "url": "https://staging.propertysimple.ai/listing/102-phillips-dairy-road-palatka-fl-32177-e02442a771d143d0a39b03ac5b465372", "name": "102 Phillips Dairy Road, Palatka, FL 32177", "description": "Remodeled, turnkey second-generation restaurant located along Palatka's State Road 19 commercial corridor within the Jacksonville-Kingsland-Palatka, FL-GA Combined Statistical Area (CSA). Positioned +/-500 feet from one of the area's busiest signalized intersections, where 2025 FDOT data indicate AADT traffic volumes up to 20,500 vehicles per day, the corner site offers +/-136 feet of SR 19 frontage with strong visibility along this commercial corridor. The +/-1,574-square-foot building features two dining areas, host/service area, private dining or flex space, office/storage, dedicated takeout room, commercial kitchen, and two restrooms with washable tile finishes throughout. The commercial kitchen includes a 9-foot hood with Ansul fire-suppression system, stainless-steel wall panels, gas range/oven, three-compartment sink, and dedicated handwashing sink. An adjoining takeout room with service window supports dine-in and off-premise sales and multiple revenue channels. The property is served by public water, sewer, and natural gas, with two tankless gas water heaters. A grease storage tank provides a revenue stream through biodiesel collection. The rear of the site previously accommodated outdoor seating for +/-45 patrons and offers flexibility for outdoor dining or parking expansion; plans are available. A separate block storage building includes a washer and dryer with hot-water capability. C-1 General Commercial zoning provides flexibility beyond restaurant use, allowing a range of retail, service, office, and other commercial uses, subject to City requirements and approvals. The property previously accommodated a multi-use configuration, with a hair salon and barber shop operating alongside the restaurant, demonstrating adaptability for complementary uses and owner-user or investor configurations. The asset's improvements and flexible use profile are complemented by its position within the Northeast Florida economy. The Jacksonville-Kingsland-Palatka CSA encompasses +/-1.93 million residents based on U.S. Census Bureau 2025 population estimates, reflecting continued population growth since 2020. This expanding regional population base supports continued residential, commercial, and service-sector investment throughout Northeast Florida. As the county seat of Putnam County, Palatka serves as an employment and service center with an economic base spanning government, education, healthcare, manufacturing, utilities, and retail. Major Palatka and Putnam County employers include the Putnam County School District, Georgia-Pacific's Palatka operations, Putnam County government, St. Johns River Water Management District, HCA Florida Putnam Hospital, St. Johns River State College, Seminole Electric Cooperative, and major retailers. 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