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Sold

Sold·Closed Oct 30, 2025·139 days on market

122 Rio Vista Avenue

East Palatka, FL 32131

$345,000sold priceListed at $374,900 · 92% of asking$193/sqftMLS# 2088295
3
Beds
2
Baths
1,792
Sq Ft
1993
Built
—
Garage
No
Pool
No HOA12,632 sqft lotWaterfrontSingle Family Residence2 stories

About this home

East Palatka

WELCOME TO BAREFOOT LANE! LIVE THE ST JOHNS RIVER RIVERFRONT DREAM ON THIS PICTURESQUE OLD FLORIDA HIGH BLUFF LOT WITH 75' FRONTAGE, BEAUTIFUL TREES & A CUSTOM PECKY CYPRESS HOME! Enjoy all the water sports & fishing your heart desires along with spectacular sunset views! This custom cypress home features a welcoming front porch, an open living concept including an office and bathroom on the first floor & 3 bedrooms & 1 bath on the second floor. All the rooms enjoy the river view with pecky cypress throughout! The kitchen features a center island, large bar for eating & prepping along with pecky cypress cabinets. The upstairs has a balcony that extends the length of the home. Home has 2 HVAC Units, Metal Roof, Dock, Boathouse, Water Softner System & Shed. The downstairs HVAC unit was replaced 12/2024. MUST SEE! All measurements are estimated.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$1,896
Estimated total, before insurance$1,896/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,209/yr · $184/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1993)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~955 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:32 AM, sunset 6:49 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,209/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $175/sq ft; this home is listed at $209/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
112 Rio Vista Avenue, East Palatka, FL 32131Listed by CENTURY 21 LIGHTHOUSE REALTYJun 2025$350,000$2383/1.51,4681850.1
116 Sevilla Street Street, East Palatka, FL 32131Listed by MAXREV, LLCMay 2026$246,750$1754/21,410330.5
108 Barcelona Street, East Palatka, FL 32131Listed by YOUR CHOICE REAL ESTATENov 2025$268,000$1883/21,4261300.5
151 Elsie Drive, East Palatka, FL 32131Listed by NICOSIA REALTY INC.Sep 2025$225,000$1463/21,539430.5
145 E McCormick Road, East Palatka, FL 32131Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2025$193,000$1443/21,344431.2
140 W St Johns Terrace, East Palatka, FL 32131Listed by FLORIDA HOMES REALTY & MTG LLCNov 2025$225,000$1453/21,5561511.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$374,900
Price / Sq Ft$209
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,792
Total Structure Area2,192 sq ft
Acres0.29 acres
Year Built1993
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusClosed
Has PoolNo
Is WaterfrontYes
Direction FacesWest

Community Information

Address122 Rio Vista Avenue, East Palatka, FL 32131
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionRivercrest
CityEast Palatka
CountyPutnam
StateFL
Zip Code32131
Lot Size12,632.4 sq ft
Lot Dimensions75 x 135
Parcel Number391027775000300420
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewRiver

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesElectric Range, Electric Water Heater, Microwave, Water Softener Owned
HeatingCentral, Electric
CoolingElectric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

Exterior

Exterior FeaturesBalcony, Dock
Lot DescriptionDead End Street
Patio / PorchFront Porch
RoofMetal
ConstructionFrame, Wood Siding
Other StructuresBoat House, Shed(s)
Road FrontageCounty Road

Additional Information

Date ListedMay 17, 2025
Days on Market139
Tax Amount$2,208.64
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 BECKHAM REALTY

Sold by: CENTURY 21 BECKHAM REALTY (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 30, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

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