$497,000
134 BOWFIN Drive, Palatka, FL 32177
St Johns Harbor
- Price
- $497,000
- Beds / Baths
- 3 / 3
- Living area
- 2,540 sqft
- Year built
- 2004
- Type
- Residential
- Lot
- 0.23 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 57
$196/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 21% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Waterfront Pool Home with Direct Access to the St. Johns River -Dive into the Florida waterfront lifestyle you've always dreamed of! This handicap-accessible concrete block home offers 2,400 square feet of comfortable living space on a beautiful canal with direct access to the St. Johns River, Crescent Lake, Dunns Creek, and beyond. Featuring 3 BR and 2.5 BA, this high-and-dry residence welcomes you with a spacious great room, soaring vaulted ceilings, & a cozy wood-burning fireplace. The oversized kitchen is designed for both everyday living & entertaining, offering LG appliances, a breakfast bar, country sink, pantry, abundant cabinetry, & generous counter space. The primary suite provides a peaceful retreat with a large walk-in closet & an accessible en-suite bath featuring dual vanities & a walk-in shower. 2 additional bedrooms share a full bath, providing plenty of room for family & guests. Step outside & enjoy your private pool, four-carport, storage shed. Come see it now!!
What to check on this one
- Verify flood zone designation and get elevation certificate for St. Johns River waterfront property.
- Confirm roof age and condition; obtain 4-point inspection given 2004 build year.
- Request wind-mitigation inspection report; verify homeowner's insurance carrier acceptance.
- Inspect pool equipment age, permits, and current maintenance records.
- Confirm seawall/bulkhead condition and any required county permits or maintenance agreements.
- Verify septic system service history and latest pump-out documentation.
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 $397,600 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 18, 2026, 2:40 PM.
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