Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 27

Active

Active·113 days on market

237 Mango Drive

Palatka, FL 32177

$240,000$167/sqftEst. $1,234/moMLS# 2144455

Beds

Baths

1,433

Sq Ft

2007

Built

Garage

Pool

About this home

Palatka

Nestled in a desirable area of Palatka, this beautifully maintained 3-bedroom, 2-bath residence offers a rare combination of comfort, elegance, and spacious living with the added benefit of NO HOA. Situated on an oversized lot, the property provides exceptional outdoor space perfect for entertaining, relaxing, or creating your own private backyard retreat. Inside, the home features a warm and inviting atmosphere with a thoughtfully designed layout that blends functionality and charm. Generous living spaces and natural light throughout create an airy, welcoming feel ideal for both everyday living and hosting guests. Perfect for families, first-time home buyers, or anyone seeking additional space and privacy, this property offers endless potential. Conveniently located near shopping, dining, schools, parks, and major roadways, the home allows you to enjoy the peaceful charm of small-town living while remaining within easy reach of Jacksonville and St. Augustine.

Cost to own

Mortgage calculator

Home Price

$240,000

Down Payment: 20%

$48,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,234

Principal & Interest: $1,234

Insurance (est.): $160

Estimated Total Monthly

$1,394

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,234

Estimated total, before insurance$1,234/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,966/yr · $330/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): $3,966/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: Shingle — year not disclosed (home built 2007)

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

Sewer · FL0040061 - Palatka WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.

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

Solar potential: ~1,744 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