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Active

Active·66 days on market

198 Palm Drive

Georgetown, FL 32139

$425,000$354/sqftEst. $2,167/moMLS# 2146493
3
Beds
2
Baths
1,200
Sq Ft
1969
Built
Garage
No
Pool

About this home

Georgetown

Escape to your own private riverfront retreat where relaxation and adventure come together on the beautiful St. Johns River. This tastefully updated and fully furnished 3 bedroom, 2 bath home is move in ready and ideal as a full time residence, weekend getaway or income producing VRBO/Airbnb property. Get your boat and water toys-the property features two boathouses with 3 boatslips, creating the ultimate set up for boating and fishing enthusiasts. A new 4'x20' floating dock offers easy access for kayaking, canoeing and waterfront adventures. Take in breathtaking sunsets and panoramic river views from impressive new16'x30' observation deck atop the newly build boathouse, overlooking the St. Johns River and the northeast corner of Lake George. The spacious 1,200 sq ft garage and workshop provides endless storage, hobbies and projects. Additional features include a peaceful setting on a private cul-de-sac road. This must see waterfront property is a perfect place to call home!

Cost to own

Mortgage calculator

$425,000
$85,000
Loan Term
Monthly Payment
$2,167
Principal & Interest: $2,167
Insurance (est.): $283
Estimated Total Monthly
$2,450
*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$2,167
Estimated total, before insurance$2,167/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.

Cost to own

Taxes & assessment

property taxes (current owner): $5,630/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal — year not disclosed (home built 1969)

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

Likely septic · 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: ~1,743 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

  • Jul 9, 2026Price change$425,000$20,000
  • May 21, 2026Listed$445,000

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

Features

Price$425,000
Price / Sq Ft$354
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,200
Year Built1969
TypeResidential
Sub-TypeMobile Home
StatusActive
Has PoolNo
Is WaterfrontYes

Community Information

Address198 Palm Drive, Georgetown, FL 32139
Area583-Crescent/Georgetown/Fruitland/Drayton Isl
SubdivisionJc Blanchard
CityGeorgetown
CountyPutnam
StateFL
Zip Code32139
Parcel Number121326065000000037

Amenities

UtilitiesCable Connected, Electricity Connected, Propane
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewLake, River, Water
Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s)
AppliancesDryer, Gas Oven, Gas Range, Gas Water Heater, Tankless Water Heater
HeatingCentral, Electric
CoolingSplit System
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock, Fire Pit
Lot DescriptionIrregular Lot
Patio / PorchDeck, Porch, Screened
FencingBack Yard, Chain Link
RoofMetal
Other StructuresWorkshop
Road SurfaceDirt, Gravel
Road FrontagePrivate Road

Additional Information

Date ListedMay 21, 2026
Days on Market53
Tax Amount$5,630.35
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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