$424,9004 bd · 2 ba · 2,076 sq ft
Active·86 days on market
245 Crystal Cove Drive
Palatka, FL 32177
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palatka
Welcome to 245 Crystal Cove Drive, where Southern charm meets the relaxed rhythm of river-town living. This character-filled 4-bedroom, 2-bath home offers approximately 2,076 square feet, a split-bedroom floor plan and a spacious three-bay garage. Soaring ceilings, sun-filled rooms, a cozy fireplace and distinctive built-ins give the home a warmth all its own. Beyond the doors, a screened lanai and private saltwater pool create the perfect setting for slow mornings and easy Florida evenings. Enjoy scenic St. Johns River views, with Crystal Cove Marina and a public boat ramp just steps away--launch the boat and spend the day on the water. Minutes from historic Downtown Palatka and centrally located to St. Augustine, Jacksonville, Gainesville, Ocala, Daytona Beach and Orlando. Select images feature AI-assisted design concepts for visual presentation purposes only.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Metal — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0040061 - Palatka WWTF · Public water (record)
County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,761 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Crescent Beach Parkabout 25 mi · 104 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 12 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 11 mi · St. Johns River - Deep Creek
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,849/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
Price & status history
- Oct 28, 2026Price change$424,900−$25,100
- Sep 21, 2026Price change$450,000−$49,900
- Sep 1, 2026Price change$499,900−$30,099
- Aug 15, 2026Listed$529,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $167/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 226 Crystal Cove Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Aug 2025 | $460,000 | $205 | 3/2 | 2,239 | 118 | 0.1 |
| 406 Beech Street, Palatka, FL 32177Listed by EXP REALTY LLC | Dec 2025 | $86,000 | $46 | 3/2 | 1,890 | 11 | 1.2 |
| 101 Browning Avenue, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Sep 2026 | $300,000 | $144 | 4/2.5 | 2,088 | 154 | 1.3 |
| 131 Palm Trail, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INC | Jun 2025 | $725,000 | $300 | 3/2 | 2,419 | 61 | 1.6 |
| 911 N 14th Street, Palatka, FL 32177Listed by WE CAN DO IT REALTY | Jun 2026 | $304,900 | $157 | 4/2 | 1,945 | 125 | 1.7 |
| 919 N 14th Street, Palatka, FL 32177Listed by WE CAN DO IT REALTY | Feb 2026 | $324,900 | $167 | 4/2 | 1,945 | 13 | 1.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MAXREV, LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
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