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Active

Active·85 days on market

200 Mango Drive

Palatka, FL 32177

$294,900$186/sqftEst. $1,516/moMLS# 2149259

Beds

Baths

1,587

Sq Ft

1974

Built

Garage

Pool

About this home

Palatka

15K PRICE IMPROVEMENT! HOME WARRANTY JUST ADDED! NEW EXTERIOR AND INTERIOR PAINT!! Beautiful 1970's home. Huge private fenced in sanctuary in back yard. Solar Panals! This 4 bed, 2 full bath, home, is just waiting for you! Open concept Living and Dining room, with peninsula kitchen bar. Original wood cabinets, solid surface countertops, complement natural gas stove. stainless french door refrigerator and dishwasher. Hall bath with tub/shower combo, with glass sliders, centers 3 nice size bedrooms. Private hall to owner bedroom, with walk-in closet, retro shower and single vanity, complete the owner bath. CITY WATER, SEWER AND NATURAL GAS. Close to Schools, hospital and medical,. St. Johns River and Ravine Gardens State Park, just 5 minutes away. This home-town community, going through revitalization downtown, and wonderful riverfront park, awesome restaurants, and shops! We are just 30 minutes from St. Augustine and beautiful Florida East Coast Beaches! LR drapes do not convey

Cost to own

Mortgage calculator

Home Price

$294,900

Down Payment: 20%

$58,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,516

Principal & Interest: $1,516

Insurance (est.): $197

Estimated Total Monthly

$1,713

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,516

Estimated total, before insurance$1,516/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,512/yr · $293/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): $3,512/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: Metal — year not disclosed (home built 1974)

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

Sewer · FL0040061 - Palatka WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,701 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

Price & status history

Aug 24, 2026Price change$294,900−$15,000
Jul 8, 2026Price change$309,900−$10,000
Jun 7, 2026Listed$319,900

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

Features

Price$294,900

Price / Sq Ft$186

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,587

Total Structure Area2,196 sq ft

Acres0.29 acres

Year Built1974

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Mid-Century Modern

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMoseley

HighPalatka

Community Information

Address200 Mango Drive, Palatka, FL 32177

Area561-Greater Palatka

SubdivisionRolling Hills

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size12,632.4 sq ft

Parcel Number131026801200300110

ZoningResidential

Amenities

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

SewerPrivate Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Gas Water Heater, Instant Hot Water, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceNo

# of Fireplaces0

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)