1 / 47

Active

Active·20 days on market

134 Bowfin Drive

Palatka, FL 32177

$500,000$197/sqftEst. $2,549/moMLS# 2154030

Beds

Baths

2,540

Sq Ft

2004

Built

—

Garage

Yes

Pool

About this home

Palatka

Waterfront Pool Home with Direct Access to the St. Johns River -Dive into the Florida waterfront lifestyle you've always dreamed of! This handicap-accessible concrete block home offers 2,400 square feet of comfortable living space on a beautiful canal with direct access to the St. Johns River, Crescent Lake, Dunns Creek, and beyond. Featuring 3 BR and 2.5 BA, this high-and-dry residence welcomes you with a spacious great room, soaring vaulted ceilings, & a cozy wood-burning fireplace. The oversized kitchen is designed for both everyday living & entertaining, offering LG appliances, a breakfast bar, country sink, pantry, abundant cabinetry, & generous counter space. The primary suite provides a peaceful retreat with a large walk-in closet & an accessible en-suite bath featuring dual vanities & a walk-in shower. 2 additional bedrooms share a full bath, providing plenty of room for family & guests. Step outside & enjoy your private pool, four-carport, storage shed. Come see it now!!

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,549

Principal & Interest: $2,549

Insurance (est.): $333

Estimated Total Monthly

$2,883

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,549

Estimated total, before insurance$2,549/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,841/yr · $320/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): $3,841/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2004)

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

Likely septic · Public water (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: ~1,750 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

Jul 6, 2026Listed$500,000

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

Features

Price$500,000

Price / Sq Ft$197

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,540

Total Structure Area2,780 sq ft

Acres0.23 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces4

Has PoolYes

Pool FeaturesAbove Ground

Is WaterfrontYes

Direction FacesWest

Community Information

Address134 Bowfin Drive, Palatka, FL 32177

Area563-East Bostwick/Bridgeport/Cedar Creek

SubdivisionSt Johns Harbor

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size10,018.8 sq ft

Parcel Number350827815201300100

ZoningResidential

Amenities

UtilitiesWater Connected

SewerSeptic Tank

Water SourcePublic

ParkingCarport, Covered

ViewCanal, Pool, Trees/Woods

Waterfront TypeCanal Front, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Electric Cooktop, Electric Range, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)