590 Old Starke Road

Palatka, FL 32177

$216,000$148/sqftEst. $1,109/moMLS# 2154143

Beds

Baths

1,464

Sq Ft

1965

Built

—

Garage

Pool

About this home

Palatka

Located just minutes from Downtown Palatka, 590 Old Starke Rd offers the perfect blend of privacy and convenience. Situated on a spacious lot, this property provides plenty of room to enjoy outdoor living while remaining close to shopping, dining, schools, and everyday amenities. The home features a functional layout with comfortable living spaces and endless potential for a variety of buyers. Whether used as a primary residence or investment property, its desirable location, generous homesite, and easy access to major roadways make it a standout option in the Palatka market.

Cost to own

Mortgage calculator

Home Price

$216,000

Down Payment: 20%

$43,200

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,109

Principal & Interest: $1,109

Insurance (est.): $144

Estimated Total Monthly

$1,253

*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$1,109

Estimated total, before insurance$1,109/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,952/yr · $163/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): $1,952/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.

History