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Active

Active·328 days on market

188 Estates Drive

Palatka, FL 32177

$750,000$140/sqftEst. $3,992/moMLS# 2104976

Beds

Baths

5,372

Sq Ft

1982

Built

Garage

Yes

Pool

About this home

Palatka

Discover endless possibilities with this sprawling brick ranch offering over 5,300 sq ft of living space, set on a generous 1.4 acre corner lot in a gated neighborhood. Designed for both comfort and entertaining, this home boasts formal living and dining rooms, a huge living room with fireplace, and a spacious family room with built in bookcases and a wet bar. An expansive owner's suite includes his and her en-suite bathrooms. Three additional bedrooms and baths offer plenty of room for guests or multi-generational living. A workout room, private sauna, and hot tub room are perfect for unwinding and relaxing. Outside a circular drive leads to two over-sized 2 car garages and a recent metal roof adds peace of mind. Cool off on the hot summer days in the refreshing in-ground pool and enjoy the privacy of the large backyard. While the home could use some updating, the solid layout and generous square footage create the perfect opportunity to customize to your personal taste.

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,788

Principal & Interest: $3,788

Est. Taxes & Insurance: $947

Estimated Total Monthly

$4,736

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,992

HOAbilled monthly$75

Estimated total, before insurance$4,067/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,146/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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 1982)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,681 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History