1 / 50

Active

Active·75 days on market

226 Port Comfort Drive

East Palatka, FL 32177

$375,000$226/sqftEst. $1,996/moMLS# 2143051

Beds

Baths

1,662

Sq Ft

1985

Built

Garage

Pool

About this home

East Palatka

Welcome to this move-in ready 3-bedroom, 2-bath home situated on .82 acres near the river. Enjoy convenient boat ramp access less than a mile away and a quick drive to St. Augustine, making this the ideal location for both relaxation and accessibility. The home features new carpet, fresh interior paint, and beautifully renovated kitchen and bathrooms with updated finishes. A large covered back porch provides the perfect space for outdoor entertaining or quiet evenings at home. Additional highlights include a 2-car garage, detached shed for extra storage, and a spacious lot offering privacy and flexibility. *Some photos are virtually staged*

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,894

Principal & Interest: $1,894

Est. Taxes & Insurance: $474

Estimated Total Monthly

$2,368

*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$1,996

Estimated total, before insurance$1,996/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.

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 D

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

Roof: material not specified — year not disclosed (home built 1985)

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: ~1,734 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