Discover an oversized .27 acre lot11,761 square feetnestled in the heart of Palatka, Florida. With no HOA and no HOA fees, you have the freedom to design your dream property without restrictions. Located in an X Flood Zone, flood insurance isnt required, adding peace of mind and long term savings. The generous size offers room for a pool, extra garage, workshop, or simply more outdoor space to enjoy. Palatka is a charming riverside community known for its small town feel, beautiful parks, and easy access to nearby cities like St. Augustine, Gainesville, and Jacksonville. Families will appreciate the proximity to local schools, including James A. Long Elementary, Jenkins Middle School, and Palatka High School, while everyday conveniences are close at hand with grocery stores such as Winn Dixie, Save A Lot, and Walmart Supercenter just minutes away. Outdoor lovers will enjoy fishing, boating, and kayaking along the St. Johns River, exploring Ravine Gardens State Parks scenic trails, or attending local festivals that give Palatka its welcoming character. For medical needs, Putnam Community Medical Center provides comprehensive care nearby, with additional hospitals in neighboring cities such as Flagler Hospital in St. Augustine and UF Health in Gainesville. Whether youre building a permanent residence, seasonal getaway, or future investment, this lot combines freedom, space, and location in one exceptional property.