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Active·4 days on market

162 Janice Drive

Palatka, FL 32147

$350,000$175/sqftEst. $1,799/moMLS# 2161797

Beds

Baths

2,001

Sq Ft

2026

Built

—

Garage

Pool

About this home

Palatka

Welcome to 162 Janice Drive, a rare opportunity to own a brand-new 2026 construction home situated on 4.75 beautiful acres in Palatka. Offering over 2,000 square feet of living space, this spacious 5-bedroom, 3-full-bath home provides plenty of room for a growing family, guests, a home office, or anyone looking for more space and privacy. The open and functional floor plan offers comfortable living areas and a layout designed to accommodate everyday living and entertaining. Outside, the 4.75-acre homesite provides plenty of room to enjoy the outdoors, create your own private retreat, or bring your future plans to life. The combination of new construction and acreage makes this property a unique find in the Palatka area. The opportunities continue beyond 162 Janice Drive. The neighboring property at 170 Janice Drive is also available and features the same 5-bedroom, 3-bathroom floor plan on its own 4.75 acres. Additionally, the 4.75 acres located between the two homes is available

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,799

Principal & Interest: $1,799

Insurance (est.): $233

Estimated Total Monthly

$2,033

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,799

Estimated total, before insurance$1,799/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $69/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 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,744 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