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Sold

Sold·Closed Dec 29, 2025·21 days on market

177 Palm Drive

Georgetown, FL 32139

$110,000sold priceListed at $120,000 · 91.7% of asking$105/sqftMLS# 2119048
2
Beds
1.5
Baths
1,044
Sq Ft
1966
Built
—
Garage
No
Pool
No HOA8,276 sqft lotWaterfrontMobile Home1 story

About this home

Georgetown

Bring your boat and enjoy true waterfront living! This charming mobile home with multiple additions offers fantastic indoor/outdoor living right on the canal. Step outside to your private boathouse with lift, fish-cleaning station, outdoor shower, workshop area, and dock with navigable access to the St. Johns River. A large screened-in porch provides the perfect place to relax and take in the peaceful water views. Additional upgrades include a metal roof-over (2014) Whether you're looking for a year-round waterfront home, a fisherman's retreat, or a laid-back vacation getaway, this property is loaded with potential and ready to be made your own. A must see!

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$609
Estimated total, before insurance$609/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,507/yr · $126/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

$110,000
$22,000
Loan Term
Monthly Payment
$609
Principal & Interest: $609
Insurance (est.): $73
Estimated Total Monthly
$683
*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 1966)

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

Solar potential: ~1,518 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): $1,507/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 $120/sq ft; this home is listed at $115/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
198 Palm Drive, Georgetown, FL 32139Listed by HERRON REAL ESTATE LLCAug 2026$355,000$2963/21,200710.1
113 Driftwood Lane, Georgetown, FL 32139Listed by IHEART REALTY INCSep 2025$555,000$4143/21,3401940.1
143 Mosswood Street, Georgetown, FL 32139Listed by DEBORAH BERRY REAL ESTATEAug 2026$85,000$982/28684810.6
426 Carteret Road, Georgetown, FL 32139Listed by COLDWELL BANKER BEN BATES INCJun 2026$142,500$1203/21,186321.8
104 Lunker Lodge Road, Georgetown, FL 32139Listed by CENTURY 21 TRITON REALTYOct 2026$125,000$1183/21,0562031.9

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$120,000
Price / Sq Ft$115
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,044
Acres0.19 acres
Year Built1966
TypeResidential
Sub-TypeMobile Home
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

Community Information

Address177 Palm Drive, Georgetown, FL 32139
Area583-Crescent/Georgetown/Fruitland/Drayton Isl
SubdivisionNot Validd
CityGeorgetown
CountyPutnam
StateFL
Zip Code32139
Lot Size8,276.4 sq ft
Parcel Number121326065000000032

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourcePublic, Well
ParkingCarport, Off Street, Other
ViewCanal

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Split Bedrooms
AppliancesDryer, Electric Oven, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1

Exterior

Exterior FeaturesBoat Lift, Dock, Outdoor Kitchen
Patio / PorchCovered, Patio, Screened
FencingOther
RoofMetal
Other StructuresOutdoor Kitchen, Workshop
Road SurfaceAsphalt

Additional Information

Date ListedNovember 21, 2025
Days on Market21
Tax Amount$1,506.74
Tax Year2024
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEACH STATE REALTY

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 Dec 29, 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

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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