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Active

Active·97 days on market

239 Lynne Drive

Palatka, FL 32177

$397,900$309/sqftEst. $2,118/moMLS# 2139258

Beds

Baths

1,288

Sq Ft

1980

Built

Garage

Pool

About this home

Palatka

Welcome to peaceful country living in Putnam County! This immaculately kept and completely remodeled 3 bedroom, 2 bath home sits on 2.27 acres and features a functional layout with a private primary suite and private bath. The property includes a one car garage, two car carport, concrete block shed, two metal sheds each with its own travel trailer (trailers convey), an additional metal shed with carports on both sides, and a metal building set up as a party area. Fully fenced corner lot with a separate fenced garden area. HVAC new in 2025 and roof recently top coated. Survey available. Bring your horses, toys, and more, plenty of room to spread out. Don't miss this one!

Cost to own

Mortgage calculator

Home Price

$397,900

Down Payment: 20%

$79,580

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,010

Principal & Interest: $2,010

Est. Taxes & Insurance: $502

Estimated Total Monthly

$2,512

*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$2,118

Estimated total, before insurance$2,118/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): $1,726/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: Metal — year not disclosed (home built 1980)

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: ~1,479 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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