CENTURY 21 Edge
$238,000≈$1,967 /mo all-in ↓

RIVERSIDE DRIVE, PALATKA, FL, 32177

Active7 days on marketListed Oct 6, 2026MLS #FC321963

Waterfront

About this home

RIVERSIDE DRIVE

RIVERFRONT OPPORTUNITY! Build your dream waterfront home or ultimate getaway on this prime 0.34-acre lot with approximately 100 feet of water frontage directly on the St. Johns River. Enjoy panoramic water views and direct deep-water access for boating, fishing, and water sports right from your backyard. Nestled in a peaceful, private setting yet just minutes to historic downtown Palatka, dining, shopping, medical facilities, boat ramps, and parks. Parcel ID: 16-09-27-7870-0020-0090 (Located on Riverside Dr between 101 & 111 Riverside Dr). Buyer to verify property dimensions, river frontage, zoning, utilities, flood info, building requirements and dock permitting. Listing agent has ownership interest in the entity that owns the property.

Facts & features

The home at a glance

0.34 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater

Community & fees

Taxes (2026)$3,611/yr

Utilities & systems

UtilitiesElectrical Nearby · Utility Pole
WaterWell Required

The numbers

What it really costs

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

$1,967 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,401
FHA mortgage insurance (est.)$105
Property tax — 2026 actual bill$301
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,330Loan30-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

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $8,330
Interest rate6.00%
Loan term

Estimated payment

$1,967/mo

Principal & interest$1,401
FHA mortgage insurance (est.)$105
Property taxes (actual bill)$301
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 Palatka

Get to know Palatka. See the full Palatka guide →

PALATKA 32177 — neighborhood snapshot

Population

26,046

Median age

41.6

Median income

$47,486

Median home value

$158,800

Avg household

2.4

Households w/ children

3,008

For the school run

Putnam County School District

HighPalatka Junior - Senior High School★★★★★

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

The numbers that matter

The Palatka market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$191K → $245K

Palatka median sold, yr/yr

95.5%

Sale-to-list ratio (12 mo)

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

This home is listed 22% above the PALATKA 32177 median. See the full Palatka market guide →

Paper trail

This home's history

Oct 6, 2026Listed at $238,000 · 7 days on market since

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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

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

CallText
chad.creech@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

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

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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

Straight answers

RIVERSIDE DRIVE FAQs

What would the monthly payment be for RIVERSIDE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,967/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 RIVERSIDE DRIVE?+

The most recent tax bill on record (2026) was $3,611. 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 Palatka?+

At $238,000, this home is listed about 15% below the Palatka median of $279,500. The market section on this page shows how the area is trending.

Which schools are assigned to RIVERSIDE DRIVE?+

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

$238,000 runs 22% above the PALATKA 32177 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 7 days on market in a Palatka market that averages 59 — if it fits, move quickly.

Keep looking

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Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Diane Johnson. MLS #FC321963.

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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