$290,000
272 HARBOR Drive, Palatka, FL 32177, Palatka, FL 32177
St Johns Harbor 1
- Price
- $290,000
- Beds / Baths
- 2 / 2
- Living area
- 1,700 sqft
- Year built
- 1972
- Type
- Residential
- Lot
- 0.49 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 165
- Elementary
- James A. Long
$171/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 5% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Waterfront opportunity with endless potential! This 2BR/2BA home offers approx. 1,700 sq ft on a rare 0.48-acre double lot, one of the largest on the canal, with direct access to the St. Johns River. Enjoy peaceful surroundings in a quiet neighborhood ideal for boating, fishing, and relaxing right from your backyard. The canal leads to the St. Johns River, which flows north to the Atlantic Ocean. Property features RV parking with canopy, private well and tank system, and septic, keeping utility costs low (owner pays only electricity and internet). Solid concrete block construction with a durable metal roof. Home needs cosmetic TLC including paint, flooring, and kitchen/bath updates, perfect for investors or buyers looking to customize. Spacious yard offers room to expand or store toys. Great value waterfront!
What to check on this one
- Verify roof age and material condition; metal roof installation date and remaining warranty.
- Obtain well and septic inspection report; confirm tank size, last service date, and system functionality.
- Confirm exact flood zone designation and obtain elevation certificate for St. Johns River waterfront.
- Request well permit and septic permit documentation from Putnam County; verify compliance status.
- Inspect cast-iron plumbing for corrosion; 1972 home likely has original or failing lines.
- Verify RV parking structure permits and zoning compliance for accessory structures on property.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $232,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of JPAR CITY AND BEACH. Data via realMLS (Northeast Florida MLS), updated Jul 6, 2026, 1:33 PM.
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