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Single Family ResidenceResidential
$702,561$485 / 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 93How 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
Last sold for $275,000 on Oct 13, 2017

497 W RIVER RD

PALATKA, FL 32177
0
Baths
1,448 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.
4.44 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

$703K
$657K low$748K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$275,000 · Oct 13, 2017
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.$552,561
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$442,049
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.23%
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.$150,000
THIRD FED'L S&L ASSN/CLEVELAND · recorded Oct 13, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,062 (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.$380,760 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$370,030
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$514,320

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
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
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.60 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.4.44
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 · 816 ft²

Transaction History(5)

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%

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

497 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 97% of homes in Palatka 32177
  • Among the highest price per square foot in Palatka 32177
  • Has a bigger lot than 91% 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
$43K$784K

This home is worth more than 97% 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$702,561
CheaperTypical $195,554Pricier

Pricier than 97% of homes nearby

Price per ft²$485
CheaperTypical $125Pricier

Pricier than almost all homes nearby

Living area1,448 ft²
SmallerTypical 1,471 ft²Bigger

Bigger than 48% of homes nearby

Lot size4.44 ac
SmallerTypical 0.53 acBigger

Bigger than 91% of homes nearby

Year built1982
OlderTypical 1977Newer

Newer than 58% of homes nearby

How 497 W River Rd ranks against every home in each area.
MeasureThis homePalatka 32177Putnam County
Estimated valuepricier than$702,56197% of homes97% of homes
Price per ft²pricier than$485almost all homesalmost all homes
Living areabigger than1,448 ft²48% of homes57% of homes
Lot sizebigger than4.44 ac91% of homes89% of homes
Year builtnewer than198258% of homes46% of homes

About 497 W River Rd

How much is 497 W River Rd, Palatka, FL worth?

The TopHap Estimate for 497 W River Rd, Palatka, FL is $702,561 as of Jul 14, 2026. The likely range is $656,630 to $748,492. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 497 W River Rd, Palatka, FL last sell?

497 W River Rd, Palatka, FL last sold on Oct 13, 2017 for $275,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 497 W River Rd, Palatka, FL?

497 W River Rd, Palatka, FL has 1,448 square feet of living space and a 4.44-acre lot.

When was 497 W River Rd, Palatka, FL built?

497 W River Rd, Palatka, FL was built in 1982, making it 44 years old.

What schools serve 497 W River Rd, Palatka, FL?

497 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 497 W River Rd, Palatka, FL compare to other homes in Palatka 32177?

Among the 10,349 homes in Palatka 32177, it is worth more than 97% of them ($702,561 against a typical $195,554), its price per square foot is higher than almost all of them ($485 against a typical $125), it is bigger than 48% of them (1,448 ft² against a typical 1,471 ft²), its lot is bigger than 91% of them (4.44 ac against a typical 0.53 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 97% 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 497 W River Rd, Palatka, FL?

The 2025 property tax bill for 497 W River Rd, Palatka, FL was $6,062. The county assessed it at $380,760.

Closest homes

More homes in Palatka 32177

Assigned schools

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