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Single Family ResidenceResidential
$521,426$189 / 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 89How 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

322 W RIVER RD

PALATKA, FL 32177
4
Beds
3
Baths
2,760 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.
1.03 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.

Valuation

$521K
$462K low$581K 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.$323,953
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$259,162
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.37%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$197,473
AMERICAS MORTGAGE PROF'L LLC · R · recorded Jul 16, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,233 (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.$154,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$149,660
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$292,680

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
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.
74
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
Lot (acres)The size of the land the home sits on, from county records.1.03
HeatingThe type of heating system in the home.Heat Pump
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 · 360 ft²

Transaction History(3)

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 · 4.1 mi
M
Palatka Jr/Sr High SchoolD+
Middle · Grades 7–12 · 5.8 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%

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

322 W River Rd 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 93% of homes in Palatka 32177
  • Costs more per square foot than 85% of homes in Palatka 32177
  • Bigger than 94% of homes in Putnam County
  • Newer than 86% of homes in Palatka 32177

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$784K

This home is worth more than 93% 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$521,426
CheaperTypical $196,275Pricier

Pricier than 93% of homes nearby

Price per ft²$189
CheaperTypical $125Pricier

Pricier than 85% of homes nearby

Living area2,760 ft²
SmallerTypical 1,469 ft²Bigger

Bigger than 93% of homes nearby

Lot size1.03 ac
SmallerTypical 0.54 acBigger

Bigger than 64% of homes nearby

Year built2002
OlderTypical 1977Newer

Newer than 86% of homes nearby

How 322 W River Rd ranks against every home in each area.
MeasureThis homePalatka 32177Putnam County
Estimated valuepricier than$521,42693% of homes91% of homes
Price per ft²pricier than$18985% of homes76% of homes
Living areabigger than2,760 ft²93% of homes94% of homes
Lot sizebigger than1.03 ac64% of homes64% of homes
Year builtnewer than200286% of homes83% of homes

About 322 W River Rd

How much is 322 W River Rd, Palatka, FL worth?

The TopHap Estimate for 322 W River Rd, Palatka, FL is $521,426 as of Jul 14, 2026. The likely range is $462,190 to $580,662. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 322 W River Rd, Palatka, FL?

322 W River Rd, Palatka, FL has 4 bedrooms, 3 bathrooms, 2,760 square feet of living space and a 1.03-acre lot.

When was 322 W River Rd, Palatka, FL built?

322 W River Rd, Palatka, FL was built in 2002, making it 24 years old.

What schools serve 322 W River Rd, Palatka, FL?

322 W River Rd, 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 322 W River Rd, Palatka, FL compare to other homes in Palatka 32177?

Among the 10,348 homes in Palatka 32177, it is worth more than 93% of them ($521,426 against a typical $196,275), its price per square foot is higher than 85% of them ($189 against a typical $125), it is bigger than 93% of them (2,760 ft² against a typical 1,469 ft²), its lot is bigger than 64% of them (1.03 ac against a typical 0.54 ac) and it is newer than 86% of them (2002 against a typical 1977). Measured against all of Putnam County, it is worth more than 91% 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 322 W River Rd, Palatka, FL?

The 2025 property tax bill for 322 W River Rd, Palatka, FL was $2,233. The county assessed it at $154,000.

Closest homes

More homes in Palatka 32177

Assigned schools

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