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Active

Active·138 days on market

283 Estates Drive

Palatka, FL 32177

$669,000$217/sqftEst. $3,561/moMLS# 2132291

Beds

Baths

3,076

Sq Ft

2008

Built

Garage

Pool

About this home

Palatka

Set on a spacious 1.2 +/- acre homesite in Palatka's Blair Estates area, 283 Estate Drive delivers over 3,000 sq ft of thoughtfully designed living space with 3 bedrooms, 3.5 baths, and a standout theater / flex room--perfect for movie nights, a game room, home gym, or office. Inside, you'll find a bright, upgraded interior with high ceilings and crown molding, a custom kitchen with granite countertops and high-end stainless appliances, and comfortable gathering spaces enhanced by two fireplaces. The layout is ideal for privacy and convenience: each bedroom offers its own en-suite bath, plus an additional half bath for guests. The primary suite features a steamer shower & custom closets. You will enjoy the oversized laundry room for additional storage. Home is concrete block construction and Newer Roof. Out back, enjoy Florida living year-round on the large covered lanai overlooking a beautifully maintained setting. A paver driveway and 2-car garage round out the package.

Cost to own

Mortgage calculator

Home Price

$669,000

Down Payment: 20%

$133,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,379

Principal & Interest: $3,379

Est. Taxes & Insurance: $845

Estimated Total Monthly

$4,224

*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$3,561

HOAbilled monthly$75

Estimated total, before insurance$3,636/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): $4,961/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: Shingle — year not disclosed (home built 2008)

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: ~1,696 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

Feb 27, 2026Listed$669,000

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

Features

Price$669,000

Price / Sq Ft$217

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,076

Acres1.20 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address283 Estates Drive, Palatka, FL 32177

Area561-Greater Palatka

SubdivisionBlair Estates

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size52,272 sq ft

Parcel Number141026059100000170

ZoningPUD

Amenities

AmenitiesGated

UtilitiesWater Connected, Propane

SewerSeptic Tank

Water SourcePrivate

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Trash Compactor

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySecurity Gate