2107 GOLF DRIVE, PALATKA, FL, 32177
Active5 days on marketListed Aug 24, 2026MLS #GC542889
About this home
2107 GOLF DRIVE
Virtually Staged. Welcome home to this charming solid brick 3-bedroom, 2-bathroom home with a durable metal roof, perfectly situated on a spacious half-acre lot in a desirable community with NO HOA! Offering timeless appeal, comfortable living spaces, and plenty of room to enjoy the outdoors, this well-maintained home is an excellent opportunity for homeowners, weekend retreat seekers, or investors alike. From the moment you arrive, you'll be welcomed by the adorable, inviting front porch—the perfect spot to enjoy your morning coffee or unwind at the end of the day. Inside, the home offers fresh paint, abundant natural light, and a warm, welcoming atmosphere throughout. The spacious kitchen features plenty of cabinet storage, new appliances, and a kitchen sink positioned beneath a window overlooking the backyard, bringing in even more natural light and offering a pleasant view while you work. The two living areas provide flexibility for a variety of lifestyles. Use one as a traditional living room and the other as a family room, game room, home office, or additional gathering space. The formal dining room offers a dedicated space for family meals, holiday gatherings, and entertaining. The thoughtful layout provides a comfortable space for everyday living and entertaining. Step outside to enjoy the screened-in back porch, creating an ideal spot for relaxing, dining, or entertaining while taking in the peaceful backyard setting. A sliding glass door from one of the bedrooms provides convenient direct access to the porch, adding to the home's functionality. You'll also appreciate the carport with enclosed storage, providing covered parking along with valuable extra space for tools, equipment, hobbies, or seasonal items. The half-acre lot and NO HOA offer plenty of freedom to enjoy your property without the restrictions and fees often associated with neighborhood living. Plus, the location puts you close to schools, a nearby golf course, the St. Johns River, and a beautiful state park, making it easy to enjoy both everyday conveniences and outdoor recreation. With its solid brick construction, metal roof, spacious lot, inviting outdoor spaces, fresh paint, new appliances, and desirable NO HOA setting, this home offers an exceptional combination of comfort, character, and convenience. Come see why this charming brick home could be the one you've been waiting for!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,338
Sqft
0.5 ac
Lot size
1962
Year built
One
Levels
$192
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.
$3,640 /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
$3,640/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palatka actives
$192 vs $151
Days on market
5 vs 70 typical
Where $192/sqft sits among the 25 Palatka actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palatka market
$191K → $230K
Palatka median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
17 of 25
Palatka actives have cut their price
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 137% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 2107 GOLF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$222,000
1602 PROSPECT STREET · same community
2 bd · 2 ba · 1,224 sqft · $181/sqft · 97 DOM
Sold · Oct ’25$237,400
3605 CORAL STREET
4 bd · 2.5 ba · 2,280 sqft · $104/sqft · 26 DOM
Sold · Jul ’26$118,000
221 S 5TH STREET
4 bd · 2.5 ba · 2,129 sqft · $55/sqft · 201 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2107 GOLF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2107 GOLF DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2107 GOLF DRIVE FAQs
What would the monthly payment be for 2107 GOLF DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,640/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 2107 GOLF DRIVE?+
The most recent tax bill on record (2025) was $7,580. 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 $450,000, this home is listed about 74% above the Palatka median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2107 GOLF 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.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP- TIOGA · Kristi Crane. MLS #GC542889.
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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