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Active

Active·117 days on market

575 River Hill Drive

Welaka, FL 32193

$265,000$159/sqftEst. $1,351/moMLS# 2137217

Beds

Baths

1,665

Sq Ft

2022

Built

Garage

Pool

About this home

Welaka

Welcome to Welaka -- a charming Old Florida river town nestled along the majestic St. Johns River, known as the Bass Capital of the World! Enjoy peaceful living surrounded by natural beauty, with waterways, parks, waterfront dining, and a true sense of community -- all while being just a short drive to Palatka, St. Augustine, and Jacksonville. Located in the newer River Hill community, this home sits in a quiet neighborhood surrounded by nature and just minutes from a public floating boat dock on the St. Johns River -- amazing for boating, fishing, and outdoor living. The upgraded kitchen features granite countertops, shaker-style cabinetry, stainless Whirlpool appliances, and ample workspace for cooking and gathering. Custom closet systems throughout the home--including pantry--provide exceptional organization and storage. Vinyl flooring enhances the main living areas, while modern fixtures, keyless entry, and automated-home features add convenience and style. The spacious fenced

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,351

Principal & Interest: $1,351

Insurance (est.): $177

Estimated Total Monthly

$1,528

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,351

Estimated total, before insurance$1,351/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,427/yr · $452/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): $5,427/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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,736 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

Mar 28, 2026Listed$265,000

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

Features

Price$265,000

Price / Sq Ft$159

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,665

Acres0.22 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address575 River Hill Drive, Welaka, FL 32193

Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est

SubdivisionRiver Hills

CityWelaka

CountyPutnam

StateFL

Zip Code32193

Lot Size9,583.2 sq ft

Parcel Number031226924200000360

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Water Softener Owned

HeatingElectric

CoolingElectric

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