# 520 RIVER Street, Palatka, FL 32177 > **TL;DR:** 4bd/4ba single family, $799,900 ($255/sqft), built 1912, 3,132 sqft. > Fireplace, Waterfront, View, A/C. Est. $4,278/mo. Listed 189 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $799,900 | | Price/sqft | $255 | | Bedrooms | 4 | | Bathrooms | 3 full, 1 half | | Square Feet | 3,132 | | Year Built | 1912 | | Lot Size | 21,780 sqft (0.50 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 189 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - River ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,045 | | Estimated Insurance | $233 | | **Total** | **$4,278** | ## Key Amenities - Fireplace - Waterfront - View - A/C - 2-car garage ## Property Highlights - Built in 1912 - 0.50 acre lot - 2 stories - Fireplace - Waterfront ## Description ### Agent Description RARE FIND! HISTORY AT IT'S BEST! CIRCA 1912 IN PALATKA'S SOUTH HISTORIC DISTRICT LOCATED ON THE ST JOHNS RIVER! This beautiful 2-story gem built by Warner T. Hamm was designed with red brick, wood and shingles on the exterior with a welcoming (12 x 32) front porch to enjoy the gorgeous river views and breezes! The interior features mahogany & white enamel trim, incredible craftsmanship throughout, original hardwood floors in excellent condition, grand living room with a brick gas fireplace which opens onto the renovated Florida Room. Home has a spacious dining room with a gas fireplace as well which leads to the breakfast nook with built in china cabinet just off the kitchen. Additional features and upgrades include 100' of concrete bulkhead, rear screen porch, double garage, basement, stairs leading to the attic, architectural shingle roof & tankless gas water heater 2020, HVAC 2025 & irrigation system. MUST SEE! One of the owners, Philips Leary, holds an active FL Real Estate License ## Location - **Address:** 520 RIVER Street, Palatka, FL 32177 - **County:** Putnam - **Neighborhood:** Dicks Map - **Coordinates:** 29.642106, -81.634817 - **Google Maps:** https://www.google.com/maps?q=29.642106,-81.634817 ## Virtual Tour & Media - **Video Tour:** https://www.zillow.com/view-imx/99e885cc-f442-4d73-936e-91db92cc7d04?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard ## Listing Agent - **Name:** TEDRA BECKHAM PHILIPS - **Brokerage:** Century 21 Beckham Realty - **Broker Phone:** (386) 328-8391 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/520-River-St_Palatka_FL_32177_M52964-14688?f=listhub&s=NEFMLS&m=2141665&c=propsimple) ## Photos ![520 RIVER Street - Photo 1](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f3040554174r.jpg) ![520 RIVER Street - Photo 2](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f3106548839r.jpg) ![520 RIVER Street - Photo 3](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f2295625427r.jpg) ![520 RIVER Street - Photo 4](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f600851055r.jpg) ![520 RIVER Street - Photo 5](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f1615412921r.jpg) ![520 RIVER Street - Photo 6](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f1154962710r.jpg) ![520 RIVER Street - Photo 7](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f660617354r.jpg) ![520 RIVER Street - Photo 8](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f4012744953r.jpg) ![520 RIVER Street - Photo 9](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f3471173556r.jpg) ![520 RIVER Street - Photo 10](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f3909346181r.jpg) ![520 RIVER Street - Photo 11](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f2480291166r.jpg) ![520 RIVER Street - Photo 12](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f1318069563r.jpg) ![520 RIVER Street - 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Photo 93](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f3512890662r.jpg) ![520 RIVER Street - Photo 94](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f2058601777r.jpg) ![520 RIVER Street - Photo 95](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f4128659965r.jpg) ![520 RIVER Street - Photo 96](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f1209031266r.jpg) ![520 RIVER Street - Photo 97](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f671113237r.jpg) ![520 RIVER Street - Photo 98](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f921485652r.jpg) ![520 RIVER Street - Photo 99](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f850140553r.jpg) ![520 RIVER Street - Photo 100](http://lh.rdcpix.com/f738adf099e375a716bdfccbbc0afe24l-f584321539r.jpg) --- **MLS#:** 2141665 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 realMLS. 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/520-river-street-palatka-fl-32177-10c92908b8984d0bad6225eb45c1c896) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/520-river-street-palatka-fl-32177-10c92908b8984d0bad6225eb45c1c896#listing", "url": "https://staging.propertysimple.ai/listing/520-river-street-palatka-fl-32177-10c92908b8984d0bad6225eb45c1c896", "name": "520 RIVER Street, Palatka, FL 32177", "description": "RARE FIND! HISTORY AT IT'S BEST! CIRCA 1912 IN PALATKA'S SOUTH HISTORIC DISTRICT LOCATED ON THE ST JOHNS RIVER! This beautiful 2-story gem built by Warner T. Hamm was designed with red brick, wood and shingles on the exterior with a welcoming (12 x 32) front porch to enjoy the gorgeous river views and breezes! The interior features mahogany & white enamel trim, incredible craftsmanship throughout, original hardwood floors in excellent condition, grand living room with a brick gas fireplace which opens onto the renovated Florida Room. Home has a spacious dining room with a gas fireplace as well which leads to the breakfast nook with built in china cabinet just off the kitchen. Additional features and upgrades include 100' of concrete bulkhead, rear screen porch, double garage, basement, stairs leading to the attic, architectural shingle roof & tankless gas water heater 2020, HVAC 2025 & irrigation system. MUST SEE! 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