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Active

Active·228 days on market

118 Darby Drive

Palatka, FL 32177

$595,000$409/sqftEst. $3,059/moMLS# 2125164
3
Beds
2
Baths
1,456
Sq Ft
2001
Built
—
Garage
No
Pool

About this home

Palatka

NEW INCENTIVE! With an acceptable offer, the seller will include two tractors, making this a true turnkey homestead opportunity. Enjoy country living on 24.59 fully fenced acres with privacy, investment potential, and room to grow. Ideal for a homestead, retreat, or family estate, the property features two access points and possible subdivision. Eligible for Agricultural (Greenbelt) tax benefits, it is already set up for livestock with cattle currently on site, and a Jersey dairy cow included to get you started right away. A mature edible landscape offers abundant harvests from pecan, pear, plum, peach, citrus, mulberry, blueberry, olive, and loquat trees, plus a blueberry hedge. Inside, enjoy LVP flooring, Low-E windows, and a remodeled kitchen with shaker cabinetry, butcher block counters, and a tile backsplash. A rare opportunity for acreage, self-sufficiency, and long-term value, ready for your homestead vision.

Cost to own

Mortgage calculator

$595,000
$119,000
Loan Term
Monthly Payment
$3,059
Principal & Interest: $3,059
Insurance (est.): $397
Estimated Total Monthly
$3,456
*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$3,059
Estimated total, before insurance$3,059/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,330/yr · $111/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

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

As of July 2026, 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.

History

Price & status history

  • Aug 12, 2026Price change$595,000−$29,000
  • 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$595,000
Price / Sq Ft$409
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
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionAgricultural, Cleared, Farm, Greenbelt, Irregular Lot, Many Trees, Split Possible, 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 Market237
Tax Amount$1,330.15
Tax Year2025
Listing TermsCash, Conventional, FHA, 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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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.

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20+ years · 500+ closings · NE Florida

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