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Active

Active·6 days on market

108 Roberts Road 1

East Palatka, FL 32131

$159,900$110/sqftEst. $821/moMLS# 2160326

Beds

Baths

1,456

Sq Ft

1994

Built

—

Garage

Pool

About this home

East Palatka

INVESTOR SPECIAL/TLC OPPORTUNITY! Bring your vision and unlock the possibilities at 108 Roberts Road in East Palatka! Situated on 1.47 private acres in a quiet setting on a private road, this property offers plenty of room & potential for the buyer ready to take on a project. The 1994 home features 3 bedrooms, 2 baths and 1,456 sq ft. The property also includes a 30x50 pole barn with concrete floors and separate storage shed. Well and septic are functioning and reported in good condition, as well as metal roof installed approx. 6 years ago and regularly maintained A/C. An additional 1945 2/1 structure is located on the property but is considered to need complete update; safety and usability are unknown. With acreage, privacy, existing utilities and multiple possibilities, this could be a great opportunity for an investor, renovator or buyer looking to create their own vision. Property is being sold AS-IS. Washer/dryer and appliances convey.

Cost to own

Mortgage calculator

Home Price

$159,900

Down Payment: 20%

$31,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$821

Principal & Interest: $821

Insurance (est.): $107

Estimated Total Monthly

$928

*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$821

Estimated total, before insurance$821/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$887/yr · $74/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): $887/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.

Outside all hurricane evacuation zones

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

Roof: material not specified — year not disclosed (home built 1994)

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: ~1,630 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 August 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