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Active

Active·68 days on market

183 Crestview Drive

Palatka, FL 32177

$439,900$194/sqftEst. $2,341/moMLS# 2144230

Beds

Baths

2,272

Sq Ft

2026

Built

Garage

Pool

About this home

Palatka

Don't miss this opportunity own your dream home on a generous lot with room to grow! Nestled on a beautiful 1.17 acre lot, this move in ready, new construction home offers 4 bedrooms, 3 bathrooms, an office and a 2-car garage, providing ample space for your family and lifestyle. In addition to the primary bathroom, there is an additional bedroom with an ensuite bath. The kitchen features 42'' cabinetry with soft-close drawers, quartz countertops, and an unforgettable walk-in pantry with built in shelves. Enjoy the benefits of a split floor plan and modern finishes. . Conveniently located with easy access to shopping, dining, and major roadways, this home perfectly combines comfort, style, and functionality. Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$439,900

Down Payment: 20%

$87,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,222

Principal & Interest: $2,222

Est. Taxes & Insurance: $556

Estimated Total Monthly

$2,778

*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$2,341

HOAbilled monthly$75

Estimated total, before insurance$2,416/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): $433/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 2026)

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

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