This charming two-story home, dating back to the late 19th century, is nestled just outside the South Historic District of downtown Palatka. Built around 1900, this delightful three-bedroom, two-bathroom cottage is a short walk from the St. Johns River and the city murals that celebrate Palatkas rich history. The open-concept living and dining areas are perfect for entertaining, featuring 9-foot ceilings, a striking staircase, an ornate decorative fireplace, and intricate wood details. The primary bedroom and a full bath are conveniently located on the first floor. The second floor offers two additional bedrooms, a full bath, a kitchenette, and a combined dining/living area. This level also includes a private exterior entrance, making it ideal for multigenerational living or rental opportunities. The outdoor living space boasts a brick patio, a covered front porch perfect for rocking chairs, a spacious carport, and large oak trees providing ample shade. Recent updates include upgraded plumbing, electrical systems, and bathrooms. Just blocks from the St. Johns River and close to shops, riverfront amenities, restaurants, and beaches less than 45 minutes away, this home is a must-see. Call today for a private tour!