
209 RIVER DRIVE, EAST PALATKA, FL, 32131
Active1 days on marketListed Aug 28, 2026MLS #FC321061
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,337/mo
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The East Palatka 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
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.

Your agent
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 209 RIVER DRIVE — start here.

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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