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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·25 days on market

123 Esperanza Grove Road

East Palatka, FL 32131

$469,900$191/sqftEst. $2,603/moMLS# 2165035
3
Beds
2
Baths
2,456
Sq Ft
1963
Built
1
Garage
Yes
Pool
FEMA Zone XNo HOA0.75 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

East Palatka

Fully renovated mid-century ranch on nearly three-quarters of an acre, just one block from the St. Johns River, with no HOA. This 1963 home has been thoughtfully updated, with a renovated kitchen featuring a custom island and built-in dish cabinet, plus updated bathrooms, including a beautifully refreshed en-suite primary bath. The split 3-bedroom, 2-bath floor plan offers roughly 2,500 square feet, and all appliances convey, including the washer and dryer. Outside, enjoy a screened pool and a large lot with mature fruit trees, a fenced garden area, and a big shade oak. The workshop/garage has a built-in workbench and its own electric service, plus there's a separate storage shed. The public boat ramp is about five minutes down the road. It's move-in ready, it's close to the water, and it has more character than anything new on the market.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,603
Estimated total, before insurance$2,603/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

$469,900
$93,980
Loan Term
Monthly Payment
$2,603
Principal & Interest: $2,603
Insurance (est.): $313
Estimated Total Monthly
$2,916
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — 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: ~1,667 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 September 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

  • Sep 16, 2026Listed$469,900

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 $205/sq ft; this home is listed at $191/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
101 Riverview Drive, East Palatka, FL 32131Listed by BYOWNER.COMJul 2026$415,000$1734/22,4002440.1
390 E River Road, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INCAug 2026$178,101$784/22,280840.7
127 Magnolia Drive, East Palatka, FL 32131Listed by OPENDOOR BROKERAGE, LLC.Apr 2025$470,000$2482/21,898771
119 Rivers Edge Drive, East Palatka, FL 32131Listed by COLDWELL BANKER PREMIER PROPERTIESJan 2026$620,000$3512/21,7665011.7
226 Crystal Cove Drive, Palatka, FL 32177Listed by IHEART REALTY INCAug 2025$460,000$2053/22,2391182.1
685 US-17, Palatka, FL 32177Listed by LPT REALTY LLCMay 2025$250,000$1404/21,782292.5

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.

Features

Price$469,900
Price / Sq Ft$191
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,456
Acres0.75 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages1
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address123 Esperanza Grove Road, East Palatka, FL 32131
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionMetes & Bounds
CityEast Palatka
CountyPutnam
StateFL
Zip Code32131
Lot Size32,670 sq ft
Parcel Number40-09-27-2280-0000-0620

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway, Detached

Interior

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 16, 2026
Days on Market25
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY INC

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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Your Local Realtor

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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