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Active

Active·73 days on market

191 Jim Bryant Road

East Palatka, FL 32131

$180,000$173/sqftEst. $924/moMLS# 2149705

Beds

Baths

1,040

Sq Ft

1994

Built

—

Garage

Pool

About this home

East Palatka

Welcome to 191 Jim Bryant Rd E, East Palatka, FL 32131--a peaceful country retreat with room to breathe and endless possibilities. Nestled on an expansive 1.66-acre lot, this charming 3-bedroom, 1-bath home offers the perfect blend of privacy, open space, and comfortable living. Built in 1994, this single-family home features approximately 1,040 square feet of living space designed for easy everyday living. Step outside and enjoy the beauty of your own oversized property, where mature trees, open skies, and plenty of space create a relaxing setting that feels miles away from the hustle and bustle. Whether you're enjoying a quiet morning outdoors, gardening, or simply appreciating the extra space, this property offers the freedom that is becoming harder to find. Located in East Palatka, this home places you near the scenic St. Johns River, local parks, boat ramps, fishing opportunities, and the natural beauty that makes Putnam County so appealing.

Cost to own

Mortgage calculator

Home Price

$180,000

Down Payment: 20%

$36,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$924

Principal & Interest: $924

Insurance (est.): $120

Estimated Total Monthly

$1,044

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$924

Estimated total, before insurance$924/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,515/yr · $210/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): $2,515/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 1994)

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: ~1,341 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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