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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$285,000

116 EARL Avenue, Palatka, FL 32177, Palatka, FL 32177

Interlachen Lakes Estates

Price
$285,000
Beds / Baths
4 / 2
Living area
2,280 sqft
Year built
2005
Type
Residential
Lot
2.44 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
63

$125/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 23% below the area's closed prices. Renovated guest bath and pool appeal, but similar homes in the area recently sold for higher prices—ask why this one is priced 23% below.

WELCOME TO THE LIFESTYLE YOU'VE BEEN DREAMING OF!!! Discover the perfect blend of space, comfort, and country living in this beautifully maintained 4-bedroom, 2-bath home situated on 2.44 fully fenced acres. With over 2,200 square feet of living space, this property offers plenty of room for families, entertaining, and enjoying the outdoors. Recent updates include a beautifully remodeled guest bathroom featuring modern finishes, adding style and functionality to the home. The spacious layout provides comfortable living areas, while the outdoor space offers endless possibilities for gardening, animals, recreation, or storing your RV, boat, or other outdoor equipment. Enjoy relaxing by the above-ground pool with its surrounding deck, host gatherings in your private backyard, or simply take in the peaceful surroundings. With no HOA and plenty of room to grow, this property offers the flexibility and freedom that are becoming increasingly hard to find. Conveniently located near shopping

What to check on this one

  • Verify flood zone designation with FEMA map; get elevation certificate if in AE/VE zone.
  • Confirm roof age and current condition; obtain insurance quote (insurers scrutinize 20+ yr roofs).
  • Request septic system inspection records and pumping history; verify well water quality test.
  • Obtain 4-point inspection (roof, HVAC, plumbing, electrical) for insurance underwriting.
  • Review mobile home title, warranty deed, and any liens; confirm ownership transfer process.
  • Inspect plumbing materials; flag if cast-iron or polybutylene present (age-related failure risk).

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$1,479/mo
Property tax (1.1% eff., Putnam Co.)$261/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,032/mo

Loan $228,000 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 LA ROSA REALTY NORTH FLORIDA, LLC.. Data via realMLS (Northeast Florida MLS), updated Aug 24, 2026, 8:46 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.