Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$369,900

392 BARDIN Road, Palatka, FL 32177, Palatka, FL 32177

Metes & Bounds

Price
$369,900
Beds / Baths
4 / 2
Living area
2,816 sqft
Year built
1994
Type
Residential
Lot
4.26 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
66
Elementary
Kelley Smith
Middle
Miller Intermediate
High school
Palatka

$131/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 19% below the area's closed prices. Condition and lot vary; that's what a showing is for.

This remodeled 4-bedroom, 2-bath manufactured home sits on 4.26 acres in a highly desirable area. Offering plenty of space, beautiful land, and endless potential, it's perfect for those seeking peaceful country living. The property also includes a separate commercial structure with excellent income-producing potential. Live in the home while operating a business or generating rental income from the commercial space--the possibilities are endless!

What to check on this one

  • Verify roof age and condition; get homeowner's insurance quote (1994 home may have underwriting limits).
  • Confirm manufactured home title status and any lien payoff requirements at closing.
  • Obtain septic system inspection and drain field location; verify well water test results.
  • Review commercial structure zoning compliance, permitted use, and any local licensing/permits required.
  • Check Putnam County flood maps and request elevation certificate if in flood zone.
  • Inspect plumbing for polybutylene lines (1994 era risk); document any recent replacements.

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

Principal & interest$1,919/mo
Property tax (1.1% eff., Putnam Co.)$339/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,550/mo

Loan $295,920 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 MAXREV, LLC. Data via realMLS (Northeast Florida MLS), updated Aug 11, 2026, 3:10 PM.

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. Information is deemed reliable but not guaranteed.