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Single Family ResidenceResidential
$795,486$319 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

495 W RIVER RD

PALATKA, FL 32177
0
Baths
2,494 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.
4.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.

Valuation

$795K
$688K low$903K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,078 (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.$327,520 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$300,760
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$642,480

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.64
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
37
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.71 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.96%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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.4.48
HeatingThe type of heating system in the home.Heat Pump
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 · 275 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 · 5.0 mi
M
Palatka Jr/Sr High SchoolD+
Middle · Grades 7–12 · 6.7 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

495 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 98% of homes in Palatka 32177
  • Costs more per square foot than 98% of homes in Palatka 32177
  • Bigger than 91% of homes in Putnam County
  • Has a bigger lot than 91% of homes in Palatka 32177
  • Newer than 73% 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
$48K$717K

This home is worth more than 98% 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$795,486
CheaperTypical $191,653Pricier

Pricier than 98% of homes nearby

Price per ft²$319
CheaperTypical $124Pricier

Pricier than 98% of homes nearby

Living area2,494 ft²
SmallerTypical 1,467 ft²Bigger

Bigger than 89% of homes nearby

Lot size4.48 ac
SmallerTypical 0.53 acBigger

Bigger than 91% of homes nearby

Year built1992
OlderTypical 1977Newer

Newer than 73% of homes nearby

How 495 W River Rd ranks against every home in each area.
MeasureThis homePalatka 32177Putnam County
Estimated valuepricier than$795,48698% of homes98% of homes
Price per ft²pricier than$31998% of homes97% of homes
Living areabigger than2,494 ft²89% of homes91% of homes
Lot sizebigger than4.48 ac91% of homes89% of homes
Year builtnewer than199273% of homes67% of homes

About 495 W River Rd

How much is 495 W River Rd, Palatka, FL worth?

The TopHap Estimate for 495 W River Rd, Palatka, FL is $795,486 as of Aug 30, 2026. The likely range is $688,067 to $902,905. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 495 W River Rd, Palatka, FL?

495 W River Rd, Palatka, FL has 2,494 square feet of living space and a 4.48-acre lot.

When was 495 W River Rd, Palatka, FL built?

495 W River Rd, Palatka, FL was built in 1992, making it 34 years old.

What schools serve 495 W River Rd, Palatka, FL?

495 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 495 W River Rd, Palatka, FL compare to other homes in Palatka 32177?

Among the 10,358 homes in Palatka 32177, it is worth more than 98% of them ($795,486 against a typical $191,653), its price per square foot is higher than 98% of them ($319 against a typical $124), it is bigger than 89% of them (2,494 ft² against a typical 1,467 ft²), its lot is bigger than 91% of them (4.48 ac against a typical 0.53 ac) and it is newer than 73% of them (1992 against a typical 1977). Measured against all of Putnam County, it is worth more than 98% 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 495 W River Rd, Palatka, FL?

The 2025 property tax bill for 495 W River Rd, Palatka, FL was $5,078. The county assessed it at $327,520.

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