$189,500
108 RIVER ROAD Drive, Palatka, FL 32177, Palatka, FL 32177
River Road Estates
- Price
- $189,500
- Beds / Baths
- 3 / 1
- Living area
- 975 sqft
- Year built
- 1975
- Type
- Residential
- Lot
- 0.32 ac
- Garage
- 1
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 37
$194/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 20% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Peaceful canal-front home! Tucked away along a serene stretch of West River Road, this adorable 3-bedroom, 1-bath home offers the perfect blend of privacy and convenience with cool river breezes. Nestled on a small, shallow canal about 500 yards from the St. Johns River, this property is ideal for fishing, kayaking, or simply enjoying the tranquil surroundings. Inside, you'll find a cozy eat-in kitchen with granite counter tops, an extra deep sink, a pantry and direct kitchen access from the attached garage. Recent updates include a durable metal roof installed in 2017 and an energy-efficient tankless water heater added in 2021. Whether you're searching for a primary residence, a weekend getaway, or an investment opportunity, this charming home is ready to welcome you as its new owner! Schedule your private showing today!
What to check on this one
- Verify roof condition and insurance acceptance (metal roof installed 2017, now 7 years old).
- Obtain flood zone designation and elevation certificate for canal-front property.
- Confirm septic system service records and well water quality testing.
- Review cast-iron plumbing viability (1975 build); estimate replacement cost if needed.
- Inspect tankless water heater installation compliance and warranty transfer documentation.
- Verify short-term rental eligibility and any Putnam County restrictions on waterfront.
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 $151,600 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 29, 2026, 12:05 PM.
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