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Active

Active·7 days on market

115 Sunset Point Road

East Palatka, FL 32131

$550,000$345/sqftEst. $2,927/moMLS# 2154410

Beds

Baths

1,596

Sq Ft

1956

Built

Garage

Pool

About this home

East Palatka

Enjoy stunning views of the St. Johns River from most rooms in this beautifully maintained waterfront home. This lovely property offers exceptional sunset views and an ideal setting for relaxing and entertaining. The concrete block home features 3 bedrooms and 2 bathrooms and has been thoughtfully updated over the years with tile flooring throughout, upgraded windows that fill the home with natural light, and updated kitchen and bathrooms. Take in vistas from the bright Florida room, spacious dining room, and cozy den with a lovely stone fireplace. Additional features include a 2-car garage with a workshop area, a large storage shed, private dock, fenced yard, automatic generator, durable metal roof, and both public water and sewer, plus a private well for added convenience and flexibility. This property is the ideal spot to take in the fireworks over historic Palatka and have a watch party for the annual Mug Race and other events. Easy drive to St. Augustine and area beaches.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,778

Principal & Interest: $2,778

Est. Taxes & Insurance: $695

Estimated Total Monthly

$3,473

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,927

Estimated total, before insurance$2,927/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,407/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 C

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

Roof: Metal, Other — year not disclosed (home built 1956)

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: ~1,626 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History