CENTURY 21 Edge
$469,9003 bd3 ba2,024 sqft$232 /sqft$3,337 /mo all-in ↓

209 RIVER DRIVE, EAST PALATKA, FL, 32131

Active1 days on marketListed Aug 28, 2026MLS #FC321061

Private poolSingle Family ResidenceRIVER GROVES DIVISION

About this home

209 RIVER DRIVE

River views set the tone at 209 River Drive, a beautifully renovated East Palatka home where flexible living spaces, thoughtful upgrades, and a resort-style backyard come together effortlessly. This concrete-block home offers three bedrooms, three full bathrooms, an office, and a spacious flex room, providing plenty of room to live, work, gather, and unwind. Two of the bedrooms are private en-suites with walk-in closets, and one includes a separate exterior entrance, making it especially well-suited for guests, extended family, or use as a private mother-in-law suite. Inside, natural light pours through the impact-resistant windows while beautiful crown molding, wainscoting, plantation shutters, luxury vinyl plank flooring, and recessed lighting create a polished and cohesive look throughout the home. The remodeled kitchen serves as the heart of the space with a large island, quartz countertops, and plenty of room for everyday meals or entertaining. From there, the home flows into the shaded sunroom, where paver flooring creates a seamless connection to the outdoor living areas and invites you to slow down and enjoy the surrounding river views. Outside, lush landscaping and St. Augustine sod enhances both the front and back yards, while pavers continue from the carport to the rear of the home, wrapping around the saltwater pool and leading to the firepit area. The fenced backyard offers everything needed to enjoy Florida living, including an in-ground pool with a newer liner and pump, gas pool heater, outdoor shower, tied-in gas grill, and multiple spaces for relaxing or gathering with friends and family. A powered storage shed with a lean-to and its own metal roof, also installed in March 2026, adds even more useful space. The beauty of this home is matched by the work completed behind the scenes. Renovations and improvements include remodeled bathrooms, updated plumbing, ductwork, and electrical panel in 2023; a metal roof installed in March 2026; and a newer septic system and drainfield installed in 2022. A whole-home Generac generator installed in 2020, an on-demand gas water heater, stackable gas washer and dryer, water softener, irrigation system, and UV-C lamps in the HVAC system add comfort, efficiency, and peace of mind. With its captivating river views, two private en-suites, flexible living areas, extensive renovations, and backyard designed for year-round enjoyment, 209 River Drive is more than a beautifully updated home; it is a place created for making memories. Offered under $500,000, this is your opportunity to enjoy the river views without the riverfront price!

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,024

Sqft

0.43 ac

Lot size

1965

Year built

One

Levels

$232

Per sqft

Private poolFireplaceWater view

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Walk-In Closet(s)
LaundryIn Kitchen · Laundry Closet
CoolingCentral Air
HeatingNatural Gas

Outside & construction

RoofMetal
ConstructionConcrete
FoundationSlab
ViewWater
FacesSouthwest
ExteriorFire Pit · Irrigation System · Outdoor Grill · Outdoor Shower · Sliding Doors

Community & fees

Taxes (2025)$2,435/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,337 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,766
FHA mortgage insurance (est.)$208
Property tax — 2025 actual bill$203
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,447Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,447
Interest rate6.00%
Loan term

Estimated payment

$3,337/mo

Principal & interest$2,766
FHA mortgage insurance (est.)$208
Property taxes (actual bill)$203
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside East Palatka

Get to know East Palatka. See the full East Palatka guide →

EAST PALATKA 32131 — neighborhood snapshot

Population

4,596

Median age

45.6

Median income

$66,580

Median home value

$222,300

Avg household

2.31

Households w/ children

425

For the school run

Putnam County School District

ElementaryWilliam D. Moseley Elementary School★★★★★
HighPalatka Junior - Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The East Palatka market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$530K$315K

East Palatka median sold, yr/yr

92.5%

Sale-to-list ratio (12 mo)

Median sold price, East Palatka, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 51% above the EAST PALATKA 32131 median. See the full East Palatka market guide →

Paper trail

This home's history

Aug 28, 2026Listed at $469,900 · 1 days on market since
1965Built · RIVER GROVES DIVISION

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Arlinda Gokyar

Your agent

Arlinda Gokyar

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 209 RIVER DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 209 RIVER DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

209 RIVER DRIVE FAQs

What would the monthly payment be for 209 RIVER DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,337/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 209 RIVER DRIVE?+

The most recent tax bill on record (2025) was $2,435. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in East Palatka?+

At $469,900, this home is listed about 25% above the East Palatka median of $375,950. The market section on this page shows how the area is trending.

Which schools are assigned to 209 RIVER DRIVE?+

William D. Moseley Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$469,900 runs 51% above the EAST PALATKA 32131 median — but at 2,024 sqft it's also 38% larger than the typical East Palatka listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 1 day on market in a East Palatka market that averages 37 — if it fits, move quickly.

Listing courtesy of MAXREV LLC · Tiffani Williams. MLS #FC321061.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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