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Residential (General/Single)Residential
$61,719
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 63How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

122 N COMMERCE ST

PALATKA, FL 32177
0
Baths
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$62K
$39K low$85K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$33 (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.$2,650 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,660
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,650

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
43
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.
78
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.Residential (General/Single)
CountyPutnam
Lot (acres)The size of the land the home sits on, from county records.0.23
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Palatka Jr/Sr High SchoolD-
Middle · Grades 7–12 · 8.2 mi
E
James A. Long Elementary SchoolC-
Elementary · Grades PK–6 · 8.5 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%

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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

122 N Commerce St 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 less than 96% of homes in Palatka 32177
  • Has a smaller lot than 80% 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
$46K$722K

This home is worth more than 4% 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$61,719
CheaperTypical $185,669Pricier

Pricier than 4% of homes nearby

Lot size0.23 ac
SmallerTypical 0.54 acBigger

Bigger than 25% of homes nearby

How 122 N Commerce St ranks against every home in each area.
MeasureThis homePalatka 32177Putnam County
Estimated valuepricier than$61,7194% of homes7% of homes
Lot sizebigger than0.23 ac25% of homes20% of homes

About 122 N Commerce St

How much is 122 N Commerce St, Palatka, FL worth?

The TopHap Estimate for 122 N Commerce St, Palatka, FL is $61,719 as of Sep 24, 2026. The likely range is $38,619 to $84,819. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 122 N Commerce St, Palatka, FL?

122 N Commerce St, Palatka, FL is assigned to Palatka Jr/Sr High School (middle), rated D-; James A. Long Elementary School (elementary), rated C-. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 122 N Commerce St, Palatka, FL compare to other homes in Palatka 32177?

Among the 10,392 homes in Palatka 32177, it is worth more than 4% of them ($61,719 against a typical $185,669) and its lot is bigger than 25% of them (0.23 ac against a typical 0.54 ac). Measured against all of Putnam County, it is worth more than 7% 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 122 N Commerce St, Palatka, FL?

The 2025 property tax bill for 122 N Commerce St, Palatka, FL was $33. The county assessed it at $2,650.

More homes on N Commerce St

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More homes in Palatka 32177

Assigned schools

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