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Active

Active·182 days on market

118 Darby Drive

Palatka, FL 32177

$624,000$429/sqftEst. $3,321/moMLS# 2125164
3
Beds
2
Baths
1,456
Sq Ft
2001
Built
—
Garage
No
Pool

About this home

Palatka

SELLER IS READY TO MAKE A DEAL -- DON'T MISS THIS OPPORTUNITY! Welcome to your private slice of Old Florida living, where large acreage, agricultural flexibility, and peaceful country lifestyle come together on over 24 fully fenced acres. This turn-key 3-bedroom, 2-bath block home offers the perfect blend of comfort, functionality, and rural freedom. Inside, you'll find spacious bedrooms, abundant natural light, LVP flooring throughout, and a recently remodeled kitchen designed for both everyday living and entertaining. Outside is where this property truly shines. The fully fenced acreage features a beautiful mix of wooded and pasture areas, providing incredible versatility for agricultural use, cows, horses, recreation, gardening, or simply enjoying wide-open space and privacy. Property improvements include 4 stalls, chicken coop, auxiliary coop, storage shed, potting shed, mature fruit trees, vegetable gardens, and a paved covered back porch perfect for relaxing and taking in the

Cost to own

Mortgage calculator

$624,000
$124,800
Loan Term
Monthly Payment
$3,152
Principal & Interest: $3,152
Est. Taxes & Insurance: $788
Estimated Total Monthly
$3,940
*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$3,321
Estimated total, before insurance$3,321/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

2025 property taxes (current owner): $1,330/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2001)

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

Likely septic · 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: ~1,615 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

Price & status history

  • Jul 10, 2026Price change$624,000−$5,000
  • Jan 14, 2026Listed$629,000

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

Features

Price$624,000
Price / Sq Ft$429
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,456
Total Structure Area1,456 sq ft
Acres24.59 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Multi Generational, Ranch
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryInterlachen
MiddleQ. I. Roberts
HighPalatka

Community Information

Address118 Darby Drive, Palatka, FL 32177
Area572-Interlachen-NE
SubdivisionInterlachen Estate
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size1,071,140.4 sq ft
Parcel Number041025407700000060
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Available, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingGated
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Disposal, Dryer, Microwave, Refrigerator, Washer
HeatingHot Water
CoolingNone
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionAgricultural, Cleared, Farm, Irregular Lot, Wooded
Patio / PorchCovered, Patio
FencingFenced, Back Yard, Chain Link, Full
RoofMetal
ConstructionBlock, Concrete, Stucco
Other StructuresGreenhouse, Shed(s), Stable(s)
Road SurfaceDirt
Road FrontageNone

Additional Information

Date ListedJanuary 15, 2026
Days on Market204
Tax Amount$1,330.15
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Contact KristaText Krista about this home

20+ years · 500+ closings · NE Florida

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