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Active

Active·37 days on market

235 Crystal Cove Drive

Palatka, FL 32177

$795,000$286/sqftEst. $4,231/moMLS# 2148161

Beds

Baths

2,782

Sq Ft

2007

Built

Palatka

About this home

Have you been searching for a home that feels like a private resort? This stunning custom-built 3-bedroom, 2-bath home delivers upscale living inside and out. The heart of the home is a chef's kitchen with custom oak cabinetry, granite countertops, double ovens, and a 6-burner gas stove, all overlooking multiple living and dining spaces designed for gathering and entertaining. Retreat to the luxurious owner's suite featuring a spa-inspired bathroom, private sitting area, and oversized walk-in closets. Step outside to your own backyard paradise where a beautiful screened inground pool and expansive patio create the perfect setting for relaxing weekends, family gatherings, and unforgettable summer evenings. Need extra space? The detached garage is ideal for a workshop, hobby room, guest retreat, or ultimate man cave. Add in views of the St. Johns River and nearby boat ramp access, and you'll quickly realize this isn't just a home - it's the lifestyle you've been waiting for.

Cost to own

Mortgage calculator

Home Price

$795,000

Down Payment: 20%

$159,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$4,231

Principal & Interest: $4,231

Est. Taxes & Insurance: $1,058

Estimated Total Monthly

$5,289

*Estimates based on 30-year loan at 7% APR. 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$4,231

Estimated total, before insurance$4,231/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): $19,732/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.

Solar potential: ~1,763 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

Price & status history

Jun 1, 2026Listed$795,000

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

Features

Price$795,000

Price / Sq Ft$286

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,782

Total Structure Area5,194 sq ft

Acres0.52 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages5

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Direction FacesNortheast

Community Information

Address235 Crystal Cove Drive, Palatka, FL 32177

Area561-Greater Palatka

SubdivisionCrystal Cove

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size22,651.2 sq ft

Lot DimensionsApprox 112' x 200'

Parcel Number370926185500000240

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Other

ViewRiver

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Central Vacuum, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Multi Units

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Lights, Security System Owned, Smoke Detector(s)