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Active

Active·200 days on market

222 Hiawatha Court 222

East Palatka, FL 32131

$275,000$259/sqftEst. $1,456/moMLS# 2133342
$24,000 below original list
2
Beds
2
Baths
1,060
Sq Ft
1982
Built
Garage
No
Pool
FEMA Zone XNo HOA4,792 sqft lotWaterfrontCondominium2 stories

About this home

East Palatka

GEORGOUS 2BR 2BA CONDO FULLY FURNISHED. OWNER IS OFFERING FINANACING OR WILL LEASE THIS BEAUTIFUL CONDO. Laminate flooring throughout. BEAUTIFUL full kitchen. Step out onto the balcony and enjoy a BEAUTIFUL view of the St Johns river with your morning coffee. There is an AWESOME COMMONS AREA WITH A BEAUTIFUL POOL. You can have a boat slip if one is available. GREAT LOCATION-MINUTES FROM GREAT RESTAURANTS, SHOPING AND MEDICAL CARE. THIS AN AWESOME OPPORTUNITY POSSIBLE OWNER FINANCING- DON'T MISS OUT!!!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,456
Estimated total, before insurance$1,456/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,524/yr · $294/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

$275,000
$55,000
Loan Term
Monthly Payment
$1,456
Principal & Interest: $1,456
Insurance (est.): $183
Estimated Total Monthly
$1,640
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1982)

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

Sewer · FLA667757 - East Putnam County Regional WWTF · Public water · Hiawatha & Hart Point WWTF reports public water

County records show this parcel on central sewer served by FLA667757 - East Putnam County Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,765 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,524/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.

History

Price & status history

  • Jul 30, 2026Price change$275,000$10,000
  • Jul 9, 2026Price change$285,000$14,000
  • Mar 5, 2026Listed$299,000

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

Features

Price$275,000
Price / Sq Ft$259
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,060
Total Structure Area1,060 sq ft
Acres0.11 acres
Year Built1982
TypeResidential
Sub-TypeCondominium
StyleContemporary
StatusActive
Has PoolNo
Is WaterfrontYes

Community Information

Address222 Hiawatha Court 222, East Palatka, FL 32131
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionHiawatha
CityEast Palatka
CountyPutnam
StateFL
Zip Code32131
Lot Size4,791.6 sq ft
Parcel Number381027364000302220
ZoningCondominium

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Covered
ViewRiver
Waterfront TypeRiver Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySecurity Lights, Smoke Detector(s)
Spa FeaturesIn Ground, Private

Exterior

Exterior FeaturesBalcony
Lot DescriptionCleared, Dead End Street, Few Trees
Patio / PorchCovered, Rear Porch
FencingOther
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 5, 2026
Days on Market168
Tax Amount$3,524.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: INTERLACHEN REALTY SERVICES, INC · jdavisint@gmail.com

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

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20+ years · 500+ closings · NE Florida

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