Sold·Closed Jul 2, 2026·9 days on market
276 Harbor Drive
Palatka, FL 32177
About this home
Palatka
Waterfront living meets everyday comfort in this beautifully updated 3-bedroom, 2-bath pool home with direct access to the St. Johns River. Situated on a navigable canal, this property is designed for those who enjoy life on the water, featuring a private boat lift, screened pool, and backyard putting green. Inside, recent upgrades to the kitchen and primary bathroom add modern style and functionality, while spacious living areas provide plenty of room to relax and entertain. Step outside to enjoy the newly screened pool enclosure, waterfront views, and easy access to boating, fishing, and everything the river lifestyle has to offer. Additional features include a new water softener, 2-car garage, and a layout that makes the most of both indoor and outdoor living. Whether you're looking for a full-time residence, a weekend escape, or a waterfront investment opportunity, this home offers a rare combination of updates, amenities, and direct river access.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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Cost to own
Mortgage calculator
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $148/sq ft; this home is listed at $302/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 278 Harbor Drive, Palatka, FL 32177Listed by MOMENTUM REALTY | Jun 2026 | $142,000 | $117 | 2/2 | 1,216 | 38 | 0 |
| 290 Tarpon Boulevard, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $249,900 | $143 | 3/2 | 1,747 | 11 | 0.2 |
| 110 Cedar Creek Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $465,000 | $260 | 2/2 | 1,789 | 4 | 0.3 |
| 137 Bonita Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $160,000 | $148 | 2/2 | 1,078 | 157 | 0.4 |
| 120 Barracuda Drive, Palatka, FL 32177Listed by INTERLACHEN REALTY SERVICES, INC | Jun 2026 | $155,000 | $108 | 3/2 | 1,440 | 42 | 0.6 |
| 786 W River Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $550,000 | $407 | 3/1 | 1,352 | 54 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IHEART REALTY INC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 2, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines