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Sold

Sold·Closed Feb 19, 2026·201 days on market

102 St Johns Boulevard

East Palatka, FL 32131

$441,000sold priceListed at $499,000 · 88.4% of asking$263/sqftMLS# 2094121
3
Beds
2
Baths
1,680
Sq Ft
2005
Built
4
Garage
Yes
Pool
No HOA16,117 sqft lotSingle Family Residence1 story

About this home

East Palatka

Just steps from a boat ramp, this beautifully maintained home offers the perfect blend of comfort and convenience for family living or a relaxing vacation retreat. Featuring high ceilings and tile flooring throughout, the spacious interior is bright and easy to maintain. Enjoy privacy in the fully fenced oversized corner lot, complete with an inviting in-ground pool and screened lanai—ideal for entertaining or unwinding in the Florida sunshine. The temperature-controlled 2-car garage plus a large detached workshop/2-car gar, provide ample space for hobbies and storage.Additional highlights include a gas fireplace, a water softener system, and a large primary bedroom with an ensuite for peaceful retreat. Located on a quiet street, this home is perfectly positioned for river living and outdoor adventure. Don't miss the chance to own this exceptional East Palatka riverfront home!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,443
Estimated total, before insurance$2,443/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,936/yr · $411/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$441,000
$88,200
Loan Term
Monthly Payment
$2,443
Principal & Interest: $2,443
Insurance (est.): $294
Estimated Total Monthly
$2,737
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2005)

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

Solar potential: ~1,655 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,936/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.

History

Price & status history

  • Jan 13, 2026Listed$499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $247/sq ft; this home is listed at $297/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
133 Magnolia Avenue E, East Palatka, FL 32131Listed by FADER & CO REALTY LLCAug 2026$230,000$1923/21,200640
226 Port Comfort Drive, East Palatka, FL 32177Listed by IHEART REALTY INCAug 2026$355,000$2143/21,662900.4
114 Magnolia Drive, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INCAug 2026$415,000$2983/21,393870.6
118 Magnolia Drive, East Palatka, FL 32131Listed by FLORIDA REALTY INVESTMENTSJul 2026$344,000$2473/21,39030.6
118 Magnolia Drive, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INCAug 2025$335,000$2413/21,390240.6
127 Magnolia Drive, East Palatka, FL 32131Listed by OPENDOOR BROKERAGE, LLC.Apr 2025$470,000$2482/21,898770.6

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$499,000
Price / Sq Ft$297
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,680
Total Structure Area2,986 sq ft
Acres0.37 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Ranch
StatusClosed
# of Garages4
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address102 St Johns Boulevard, East Palatka, FL 32131
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionElgin Grove
CityEast Palatka
CountyPutnam
StateFL
Zip Code32131
Lot Size16,117.2 sq ft
Parcel Number400927222000300050

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingElectric
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1

Exterior

Lot DescriptionCorner Lot
FencingBack Yard, Full
RoofMetal

Additional Information

Date ListedJanuary 13, 2026
Days on Market201
Tax Amount$4,935.81
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 ST AUGUSTINE PROPERTIES

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 Feb 19, 2026. 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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