$244,900
4065 SILVER LAKE Drive, Palatka, FL 32177, Palatka, FL 32177
Metes & Bounds
- Price
- $244,900
- Beds / Baths
- 5 / 2
- Living area
- 2,372 sqft
- Year built
- 2000
- Type
- Residential
- Lot
- 2.16 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 82
$103/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 36% below the area's closed prices. Home needs light repairs and roof completion; 36% below-market pricing reflects manufactured construction, acreage maintenance costs, and unfinished updates requiring buyer investment.
Set on 2.16 beautiful acres, 4065 Silver Lake Dr offers room to breathe and grow. This inviting 3-bed/2-bath manufactured home features a bonus addition that brings 2 extra bedrooms plus a spacious back porch overlooking the peaceful property. Inside, the home is fully livable and comfortable, needing only light repairs and routine TLC to truly shine! The land includes 2 outbuildings for storage or hobbies, along with a second well and septic from a previous homesite (an exciting opportunity for future use). The AC unit updated around 2010-2011 and the Seller began to update the home with a metal roof, but was unable to finish. This is a rare chance to create your ideal retreat in a serene, expansive setting! Private Financing may be available with roughly 30% - 40% cash down.
What to check on this one
- Verify manufactured home HUD title status and any lien history with county records.
- Obtain septic system inspection report; confirm both systems functional and properly permitted.
- Have well water tested; verify both wells' depth, yield, and compliance with Putnam County.
- Request roof documentation—confirm metal roof completion status and installation date/warranty.
- Get AC unit service records from ~2010-2011 replacement; determine current condition/lifespan.
- Confirm flood zone designation via FEMA flood map; request elevation certificate if AE/VE.
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 $195,920 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 COLDWELL BANKER BEN BATES INC. Data via realMLS (Northeast Florida MLS), updated Aug 13, 2026, 3:49 PM.
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