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Active

Active·25 days on market

309 E River Road

East Palatka, FL 32131

$339,000$169/sqftEst. $1,795/moMLS# 2162189
3
Beds
2
Baths
2,007
Sq Ft
1949
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.81 acresSingle Family Residence1 story

About this home

East Palatka

Charming 3-bedroom, 2-bath home situated on just under 2 acres in a quiet East Palatka setting near the river and across from farmland. The seller briefly took the home off the market to complete several updates, including new subflooring, new flooring, and fresh interior paint. A new metal roof, septic system, and drain field were also installed in 2023. Enjoy a spacious backyard, a workshop, and peaceful surroundings, all just minutes from a public boat ramp, favorite local restaurants, new pickleball courts, and the park. A wonderful opportunity to enjoy country living while remaining close to town. *Some photos have been virtually staged using AI.*

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,795
Estimated total, before insurance$1,795/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$339,000
$67,800
Loan Term
Monthly Payment
$1,795
Principal & Interest: $1,795
Insurance (est.): $226
Estimated Total Monthly
$2,021
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1949)

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: ~1,759 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

Price & status history

  • Aug 27, 2026Listed$339,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$339,000
Price / Sq Ft$169
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,007
Acres1.81 acres
Year Built1949
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address309 E River Road, East Palatka, FL 32131
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionMetes & Bounds
CityEast Palatka
CountyPutnam
StateFL
Zip Code32131
Lot Size78,843.6 sq ft
Parcel Number48-09-27-0000-0691-0040

Amenities

UtilitiesCable Available, Electricity Available, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached Carport

Interior

AppliancesElectric Range, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedAugust 27, 2026
Days on Market0
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY INC · chad@iheartrealtyinc.com

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 - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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