Fall in love with the charm and possibilities! This 3-bedroom, 1-bath home welcomes you with modern cabinets, stainless steel appliances, wood-look grey vinyl flooring, and cozy carpeting in all the bedrooms . A roof installed in 2022 and well-maintained A/C and water heater. The detached garage is perfect for storage, workshop or for parking while multifamily zoning R-3 offers room to explore your vision, subject to city approval. Discover historic downtown Palatka's shops, antiques, restaurants, and entertainment nearby. With the Scenic St. Johns River approximately 1 mile away and Ravine Gardens State Park even closer, enjoy waterfront strolls, fishing, boating, and outdoor adventures. Make this charming home your next chapter! Motivated seller—schedule your showing today!