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Single Family ResidenceResidential
$195,510$133 / 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 90How 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

123 UNDERWOOD DR

PALATKA, FL 32177
3
Beds
2
Baths
1,470 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1982
Year BuiltThe year the home was originally built, according to county records.

Valuation

$196K
$175K low$216K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$783 (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.$91,860 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$89,280
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$154,420

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.45
12
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
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.
70
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%

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.1983
Lot (acres)The size of the land the home sits on, from county records.0.31
HeatingThe type of heating system in the home.Heat Pump
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 267 ft²

Transaction History(2)

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.

M
Palatka Jr/Sr High SchoolD-
Middle · Grades 7–12 · 0.5 mi
E
William D. Moseley Elementary SchoolD-
Elementary · Grades PK–6 · 0.8 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

123 Underwood 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.

  • Has a smaller lot than 70% 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
$47K$749K

This home is worth more than 53% 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$195,510
CheaperTypical $186,300Pricier

Pricier than 53% of homes nearby

Price per ft²$133
CheaperTypical $122Pricier

Pricier than 59% of homes nearby

Living area1,470 ft²
SmallerTypical 1,450 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.31 ac
SmallerTypical 0.54 acBigger

Bigger than 35% of homes nearby

Year built1982
OlderTypical 1977Newer

Newer than 58% of homes nearby

How 123 Underwood Dr ranks against every home in each area.
MeasureThis homePalatka 32177Putnam County
Estimated valuepricier than$195,51053% of homes47% of homes
Price per ft²pricier than$13359% of homes48% of homes
Living areabigger than1,470 ft²51% of homes59% of homes
Lot sizebigger than0.31 ac35% of homes30% of homes
Year builtnewer than198258% of homes47% of homes

About 123 Underwood Dr

How much is 123 Underwood Dr, Palatka, FL worth?

The TopHap Estimate for 123 Underwood Dr, Palatka, FL is $195,510 as of Sep 24, 2026. The likely range is $175,034 to $215,986. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 123 Underwood Dr, Palatka, FL last sell?

123 Underwood Dr, Palatka, FL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 123 Underwood Dr, Palatka, FL?

123 Underwood Dr, Palatka, FL has 3 bedrooms, 2 bathrooms, 1,470 square feet of living space and a 0.31-acre lot.

When was 123 Underwood Dr, Palatka, FL built?

123 Underwood Dr, Palatka, FL was built in 1982, making it 44 years old.

What schools serve 123 Underwood Dr, Palatka, FL?

123 Underwood Dr, Palatka, FL is assigned to Palatka Jr/Sr High School (middle), rated D-; William D. Moseley Elementary School (elementary), rated D-. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 123 Underwood Dr, Palatka, FL compare to other homes in Palatka 32177?

Among the 10,391 homes in Palatka 32177, it is worth more than 53% of them ($195,510 against a typical $186,300), its price per square foot is higher than 59% of them ($133 against a typical $122), it is bigger than 51% of them (1,470 ft² against a typical 1,450 ft²), its lot is bigger than 35% of them (0.31 ac against a typical 0.54 ac) and it is newer than 58% of them (1982 against a typical 1977). Measured against all of Putnam County, it is worth more than 47% 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 123 Underwood Dr, Palatka, FL?

The 2025 property tax bill for 123 Underwood Dr, Palatka, FL was $783. The county assessed it at $91,860.

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