1 / 21

Active

Active·1 day on market

118 Herja Acre Lane

Palatka, FL 32177

$950,000$187/sqftEst. $4,844/moMLS# 2157253

Beds

Baths

5,073

Sq Ft

1963

Built

—

Garage

Yes

Pool

About this home

Palatka

Mid-century modern home for sale by second owner built in 1963 designed by Architect Frank George George this brick home sits on 3.86 acres on round lake no HOAs. Home is over a 4500 ft.². There are two occupied rentals on the property that were previous Airbnbs.Wood-burniupdated master bathroom , plunge pool, Large workshop. Four car carport. this Home feels rural yet it's five minutes from Publix Marshalls all the restaurants. Walmart is two minutes away and you're less than 3 miles to the riverfront. Excellent location close to Jacksonville Gainesville Daytona, all an hour away. This is an estate home unique one of a kind.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,844

Principal & Interest: $4,844

Insurance (est.): $633

Estimated Total Monthly

$5,477

*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$4,844

Estimated total, before insurance$4,844/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Other — year not disclosed (home built 1963)

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: ~1,441 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