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Active

Active·72 days on market

157 W Grandview Drive

East Palatka, FL 32131

$898,000$290/sqftEst. $4,617/moMLS# 2151232

Beds

Baths

3,092

Sq Ft

1964

Built

Garage

Yes

Pool

About this home

East Palatka

Imagine pulling onto 1.63 private acres, the St. Johns River stretching wide across the back of the property and roughly 265 feet of shoreline that's yours alone. Step inside and 3,092 square feet open up around you. With four generous bedrooms and three full baths, the floor plan has a natural rhythm -- a private primary retreat at one end and room for the kids or guests to have their own wing at the other, so no one's ever tripping over each other. Out back is where life here happens. The pool invites long Florida afternoons and easy entertaining, while the river beyond sets a serene, ever-changing backdrop you'll never tire of. And there's room for everything -- a boat, an RV, a trailer, plus an oversized three-car garage with a workshop area. Privacy, acreage, and a coveted spot on the St. Johns River, all for the buyer ready to trade the subdivision for a waterfront life of their own.

Cost to own

Mortgage calculator

Home Price

$898,000

Down Payment: 20%

$179,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,617

Principal & Interest: $4,617

Insurance (est.): $599

Estimated Total Monthly

$5,215

*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$4,617

Estimated total, before insurance$4,617/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,831/yr · $903/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): $10,831/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1964)

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

Likely septic · 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: ~1,521 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

Jun 18, 2026Listed$898,000

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

Features

Price$898,000

Price / Sq Ft$290

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,092

Acres1.63 acres

Year Built1964

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryBrowning Pearce

MiddleBeasley

HighPalatka

Community Information

Address157 W Grandview Drive, East Palatka, FL 32131

Area564-East Palatka/San Mateo/N Satsuma/Orange Mills

Subdivision**verifying Subd**

CityEast Palatka

CountyPutnam

StateFL

Zip Code32131

Lot Size71,002.8 sq ft

Lot Dimensions68 x 376 x 265 x 361

Parcel Number390927000001300000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingDetached, Garage, Garage Door Opener

ViewRiver

Waterfront TypeRiver Access, River Front, Seawall

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup