109 RETREAT Lane Palatka, FL ^$ 105,000

109 RETREAT Lane

^$ 105,000

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109 RETREAT Lane

Palatka, FL, 32177

^$ 105,000

Studio Baths0.0

Monthly Estimate*

^$ 655

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Studio

Lots and Land for sale in Palatka, FL

for $105,000. The lot size is 0.15.

Canal front lot with direct access to the St. Johns River! A boater and angler's dream, this property features a bulkhead and according to the seller, there are other improvements. A tall fence with two gates adds privacy and security. The county boat ramp is across from this lot. Perfect for weekend getaways filled with fishing, boating, and relaxing by the water.

Lots and Land Active

Price

^$ 105,000

Bedrooms

Studio

Property Type

Lots and Land

Taxes

^$ 986

Style

Unimproved Land

Lot Size

0.15

Town/City

Palatka

County/Region

Putnam

MLS | Web ID

2098053

Features

General

Sewer Septic Tank

Utilities Electricity Available

Possession Close Of Escrow

View Canal

Property Subtype Unimproved Land

Tax Year 2024

Current Use Unimproved

Parcel Number 350827816000000940

Waterfront Features Canal Front

County Putnam

New Construction 0 None

Property Type Land

HOA N

Subdivision Name St Johns Harbor

Status Active

Directions US 17 North. R on Palmetto Bluff Rd. L on Cedar Creek Cutoff Rd. Slight right onto Retreat Ln. The lot is on the right.

City Palatka

Senior Community Y/N N

Zoning Description Residential

MLS Area 563-East Bostwick/Bridgeport/Cedar Creek

Lot Size Units Acres

Lot Size Square Feet 6534.0

Listing Terms Cash

Tax Annual Amount 986.26

Home Warranty Y/N N

Lease Renewal Y/N N

MLS Area Minor 563-East Bostwick/Bridgeport/Cedar Creek

Lease Considered Y/N N

Rent Control Y/N N

Virtual Tour https://youtu.be/AXSX2J12QQs?si=zUlngmGq9KWEwf6h

Standard Status Active

Cash True

Water Body Access Y/N None

Accessibility Features Y/N None

CDD N

Exterior

Fencing Fenced

Lot Features Cleared

Water Source Well Other

Lot Size Area 0.15

Spa N

Lot Size Acres 0.15

Waterfront Y/N Y

Crops Included Y/N N

Horse Y/N N

Irrigation Water Rights Y/N N

Interior

Basement (Y/N) N

Total Baths 0

Internal Only

Street Number 1 109

* Excluded Features

List By

Nicosia Realty Inc.

Broker

suenicosia@gmail.com

Affordability Calculator

$737

Per Month

Monthly Principal & Interest: $655
Monthly Property Taxes: $82
Monthly Home Insurance: --

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Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Lots and land listings in Palatka, FL

Average List Price ^$174,037

Percent of Sale Price 66%

About Palatka, FL

10,344 Population

2% Since 2002

^$24,862 Median Income

35.51 Median Age

23% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

308105 Elementary School

308138 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
7/11/2025	$105,000		Listed Price

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109 RETREAT Lane, Palatka, FL, 32177 is a Lots and Land for sale at $105,000 with a lot size of 0.15. 109 RETREAT Lane is a studio with 0.0 baths. The property's zip code is 32177 which is in Palatka, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Internet Data Exchange (IDX) Program of the Northeast Florida Multiple Listing Service, Inc.

The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 12/18/2025.

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109 RETREAT Lane

Lots and Land for sale in Palatka, FL

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