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Active

Active·78 days on market

516 County Road 207A

East Palatka, FL 32131

$349,000$152/sqftEst. $1,796/moMLS# 2147315

Beds

Baths

2,300

Sq Ft

1988

Built

—

Garage

Pool

About this home

East Palatka

Situated on a large .90-acre lot in East Palatka, this 3-bedroom, 2-bath home offers plenty of space both inside and out. The property features mature trees, a spacious yard, and large decks that make outdoor entertaining easy. A porch swing overlooking the yard creates the perfect spot to relax and enjoy the setting. Inside, the home offers two separate living spaces featuring skylights plus a large flex room with endless possibilities for hosting, recreation, hobbies, or additional gathering space. The oversized kitchen features custom cabinets and plenty of room for cooking and storage. Conveniently located just off County Road 207, this property provides an easy commute to St. Augustine, Crescent Beach, and Jacksonville, while remaining just minutes from Palatka. Close proximity to public boat ramps adds even more appeal for those looking to enjoy the Florida lifestyle.

Cost to own

Mortgage calculator

Home Price

$349,000

Down Payment: 20%

$69,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,796

Principal & Interest: $1,796

Insurance (est.): $233

Estimated Total Monthly

$2,029

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,796

Estimated total, before insurance$1,796/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,731/yr · $144/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): $1,731/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.

Hurricane evacuation zone C

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

Roof: Metal — year not disclosed (home built 1988)

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: ~1,706 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