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Sold·Closed May 13, 2026·240 days on market

108 Saint Johns Drive

Palatka, FL 32177

$675,000sold priceListed at $699,000 · 96.6% of asking$209/sqftMLS# 2104792
3
Beds
3
Baths
3,230
Sq Ft
1991
Built
2
Garage
Yes
Pool
No HOA1.28 acresWaterfrontSingle Family Residence2 stories

About this home

Palatka

Pending - accepting backup offers. Welcome to your riverfront retreat! This beautiful 3-bedroom, 3-bath home sits on 1.28 acres along the majestic St. John's River. Enjoy the convenience of a pool overlooking your private dock with a boat lift, perfect for days on the water. Inside, the master suite is located on the main level for comfort and ease. Step outside to a sparkling pool, a charming front porch, and a spacious back porch designed for entertaining and relaxing with family and friends. With stunning views and endless opportunities for outdoor living, this home truly captures Florida's lifestyle at its best.

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$3,739
Estimated total, before insurance$3,739/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,129/yr · $594/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 1991)

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

Solar potential: ~1,456 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

Northeast-facing backyard — summer sunrises, all-day cool

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

  • A pool here trades warmth for comfort.
  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai.

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): $7,129/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 $277/sq ft; this home is listed at $216/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
237 Seminole Street, East Palatka, FL 32131Listed by RIVER CITY RENTALS AND REALTYApr 2026$630,000$2774/32,272642
516 Cedar Creek Road, Palatka, FL 32177Listed by HELEN HERSEY REALTYMay 2025$852,000$3243/22,632192.4
524 Cedar Creek Road, Palatka, FL 32177Listed by BARBARA B JENNESS PASep 2026$860,000$2313/33,7221652.5

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$699,000
Price / Sq Ft$216
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage3,230
Acres1.28 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes
Direction FacesSouthwest

Community Information

Address108 Saint Johns Drive, Palatka, FL 32177
Area563-East Bostwick/Bridgeport/Cedar Creek
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size55,756.8 sq ft
Lot Dimensions55,757 SqFt
Parcel Number350827000001900000
ZoningResidential

Amenities

Community FeaturesFishing
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage
ViewRiver, Water
Waterfront TypeRiver Access, River Front

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Split Bedrooms, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryIn Unit
Spa FeaturesIn Ground

Exterior

Patio / PorchFront Porch, Rear Porch
RoofMetal
ConstructionFrame, Wood Siding
Road SurfaceAsphalt

Additional Information

Date ListedAugust 20, 2025
Days on Market240
Tax Amount$7,129.37
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EAZ REALTY LLC

Sold by: EAZ REALTY LLC (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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 13, 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.

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