123 Esperanza Grove

• • 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).

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.

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.

• May 29, 2026Listed$469,900

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

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  For Sale

  209 River Drive

  East Palatka, FL 32131

  3 bd · 3 ba · 2,024 sq ft

  $469,900Est. $2,501/mo

  Listing Office: maxrev, llc

  in River Groves
• 

  For Sale

  109 St Johns Boulevard

  East Palatka, FL 32131

  3 bd · 2 ba · 1,968 sq ft

  $549,900Est. $2,927/mo

  Listing Office: coldwell banker ben bates inc

  in Elgin Grove