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Sold·Closed May 22, 2026·57 days on market
312 Moonstone Drive
East Palatka, FL 32131
About this home
East Palatka
Welcome to life on the legendary St. Johns River-one of the few rivers in the world that flows north and a true paradise for boaters and anglers alike. From your private access, cruise miles of scenic waterways. Rare high-elevation St. Johns River property and this custom home sits well above flood-risk areas. Built in 2019, this striking contemporary riverfront residence captures panoramic views of the St. Johns River and spectacular sunset vistas that make you want to rush home every evening. Thoughtfully designed for elevated Florida living, the home features zero-corner sliding glass doors that open to an enclosed lanai with travertine marble flooring and wall-mounted patio heaters, creating a seamless indoor-outdoor connection plus an ideal setting for both relaxation and entertaining all season long. Spanning approximately 2,500 square feet of living space.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,667 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 homeThis 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.
Closest beach parking
Frank Butler Park Eastabout 23 mi · 84 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 11 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 9 mi · St. Johns River - Deep Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 15 mi · Saint Johns River
Closest grocery store
Publixabout 19 mi · 250 Plaza Blvd, Saint Augustine
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
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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
2025 property taxes (current owner): $7,719/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 $205/sq ft; this home is listed at $518/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 101 Riverview Drive, East Palatka, FL 32131Listed by BYOWNER.COM | Jul 2026 | $415,000 | $173 | 4/2 | 2,400 | 244 | 0.3 |
| 390 E River Road, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $178,101 | $78 | 4/2 | 2,280 | 84 | 0.7 |
| 127 Magnolia Drive, East Palatka, FL 32131Listed by OPENDOOR BROKERAGE, LLC. | Apr 2025 | $470,000 | $248 | 2/2 | 1,898 | 77 | 0.9 |
| 131 Palm Trail, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INC | Jun 2025 | $725,000 | $300 | 3/2 | 2,419 | 61 | 1 |
| 197 County Road 207A, East Palatka, FL 32131Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $165,001 | $81 | 2/1 | 2,030 | 19 | 1.3 |
| 226 Crystal Cove Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Aug 2025 | $460,000 | $205 | 3/2 | 2,239 | 118 | 1.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Sold by: MOMENTUM REALTY (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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 22, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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