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Active

Active·42 days on market

204 Comer Road

Palatka, FL 32177

$399,900$261/sqftEst. $2,128/moMLS# 2148373

Beds

Baths

1,530

Sq Ft

2011

Built

—

Garage

Pool

About this home

Palatka

Home is located on 1.26-acre fenced grassy parcel, on a paved road in an area known for larger lots and wide-open space. Enjoy the freedom to live your lifestyle--bring the chickens, start a garden, or design your dream outdoor setup. The property sits a massive 55' x 25' enclosed pole barn and carport with 50 amp electric panel box offering endless versatility. Step inside the farmhouse-style home with vaulted ceilings, abundant natural light, and durable LVP flooring throughout the main living areas. The 1,583-square-foot split floor plan provides privacy and comfort, with the living room centered around a cozy wood-burning fireplace. The open kitchen flows seamlessly into the dining area.

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,020

Principal & Interest: $2,020

Est. Taxes & Insurance: $505

Estimated Total Monthly

$2,525

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$2,128

Estimated total, before insurance$2,128/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): $3,827/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: material not specified — year not disclosed (home built 2011)

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

Septic system (public record) · 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: ~1,737 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