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Single Family ResidenceResidential
$326,630$182 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 RIVER ROAD DR

PALATKA, FL 32177
0
Baths
1,794 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.96 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.

Valuation

$327K
$306K low$348K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$326,630
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$261,304

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$738 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$50,510 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$49,140
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$196,290

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
14
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPutnam
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1997
Lot (acres)The size of the land the home sits on, from county records.0.96
HeatingThe type of heating system in the home.Space
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 415 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
James A. Long Elementary SchoolB-
Elementary · Grades PK–6 · 5.3 mi
M
Palatka Jr/Sr High SchoolD+
Middle · Grades 7–12 · 6.9 mi

District: Putnam County School District

Neighborhood · ZIP 32177These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.29,613
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.106 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$48,716
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,629
Average tempThe average temperature here across a full year.70°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 River Road Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 79% of homes in Palatka 32177
  • Costs more per square foot than 84% of homes in Palatka 32177
  • Bigger than 74% of homes in Putnam County
  • Older than 88% of homes in Putnam County

What homes are worth in Palatka 32177

Each bar is how many homes fall in that price range. The marker is this home.

This home
$45K$775K

This home is worth more than 79% of homes in Palatka 32177.

How it measures up in Palatka 32177

The dot is this home. The mark in the middle is the typical home in Palatka 32177.

Estimated value$326,630
CheaperTypical $196,420Pricier

Pricier than 79% of homes nearby

Price per ft²$182
CheaperTypical $125Pricier

Pricier than 84% of homes nearby

Living area1,794 ft²
SmallerTypical 1,465 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.96 ac
SmallerTypical 0.53 acBigger

Bigger than 59% of homes nearby

Year built1955
OlderTypical 1977Newer

Newer than 23% of homes nearby

How 109 River Road Dr ranks against every home in each area.
MeasureThis homePalatka 32177Putnam County
Estimated valuepricier than$326,63079% of homes73% of homes
Price per ft²pricier than$18284% of homes73% of homes
Living areabigger than1,794 ft²68% of homes74% of homes
Lot sizebigger than0.96 ac59% of homes58% of homes
Year builtnewer than195523% of homes12% of homes

About 109 River Road Dr

How much is 109 River Road Dr, Palatka, FL worth?

The TopHap Estimate for 109 River Road Dr, Palatka, FL is $326,630 as of Jul 14, 2026. The likely range is $305,759 to $347,501. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 River Road Dr, Palatka, FL last sell?

109 River Road Dr, Palatka, FL last sold on Sep 6, 2024, according to the county's recorded deed.

How big is 109 River Road Dr, Palatka, FL?

109 River Road Dr, Palatka, FL has 1,794 square feet of living space and a 0.96-acre lot.

When was 109 River Road Dr, Palatka, FL built?

109 River Road Dr, Palatka, FL was built in 1955, making it 71 years old.

What schools serve 109 River Road Dr, Palatka, FL?

109 River Road Dr, Palatka, FL is assigned to James A. Long Elementary School (elementary), rated B-; Palatka Jr/Sr High School (middle), rated D+. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 River Road Dr, Palatka, FL compare to other homes in Palatka 32177?

Among the 10,342 homes in Palatka 32177, it is worth more than 79% of them ($326,630 against a typical $196,420), its price per square foot is higher than 84% of them ($182 against a typical $125), it is bigger than 68% of them (1,794 ft² against a typical 1,465 ft²), its lot is bigger than 59% of them (0.96 ac against a typical 0.53 ac) and it is newer than 23% of them (1955 against a typical 1977). Measured against all of Putnam County, it is worth more than 73% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 River Road Dr, Palatka, FL?

The 2025 property tax bill for 109 River Road Dr, Palatka, FL was $738. The county assessed it at $50,510.

More homes on River Road Dr

Closest homes

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Assigned schools

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