Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·395 days on market

242 Mango Drive

Palatka, FL 32177

$240,000$156/sqftEst. $1,234/moMLS# 2100997

Beds

Baths

1,534

Sq Ft

2007

Built

Garage

Pool

About this home

Palatka

Motivated Seller! Don't miss this lovely 4-bedroom, 2-bath home with a one-car garage, ideally located in the heart of Palatka. Enjoy the convenience of city water and sewer, along with a fully fenced backyard - perfect for pets, play, or outdoor entertaining. The home offers a smart split-bedroom floor plan, a spacious living room and an open layout that connects seamlessly to the dining area and kitchen. Just minutes from shopping, schools, and local amenities, this home is perfectly positioned for your next move or your next investment.

Cost to own

Mortgage calculator

Home Price

$240,000

Down Payment: 20%

$48,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,234

Principal & Interest: $1,234

Insurance (est.): $160

Estimated Total Monthly

$1,394

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$1,234

Estimated total, before insurance$1,234/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,747/yr · $396/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).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,747/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.

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: Shingle — year not disclosed (home built 2007)

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

Solar potential: ~1,716 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.