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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$499,900

245 CRYSTAL COVE Drive, Palatka, FL 32177, Palatka, FL 32177

Crystal Cove

Price
$499,900
Beds / Baths
4 / 2
Living area
2,076 sqft
Year built
1998
Type
Residential
Lot
0.43 ac
Garage
3
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
17

$255/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 57% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome to 245 Crystal Cove Drive, where Southern charm meets the relaxed rhythm of river-town living. This character-filled 4-bedroom, 2-bath home offers approximately 2,076 square feet, a split-bedroom floor plan and a spacious three-bay garage. Soaring ceilings, sun-filled rooms, a cozy fireplace and distinctive built-ins give the home a warmth all its own. Beyond the doors, a screened lanai and private saltwater pool create the perfect setting for slow mornings and easy Florida evenings. Enjoy scenic St. Johns River views, with Crystal Cove Marina and a public boat ramp just steps away--launch the boat and spend the day on the water. Minutes from historic Downtown Palatka and centrally located to St. Augustine, Jacksonville, Gainesville, Ocala, Daytona Beach and Orlando. Select images feature AI-assisted design concepts for visual presentation purposes only. Set within the riverfront community of Crystal Cove, this home captures the ease and beauty of Northeast Florida living. Although the property is not directly riverfront, scenic views of the St. Johns River can be enjoyed from multiple areas of the home. Crystal Cove Marina and a nearby public boat ramp are just steps away, making spontaneous days on the water beautifully simple launch the boat, cast a line, cruise the river or settle in to watch the evening sky. Historic Downtown Palatka is only minutes away, offering locally owned boutiques, restaurants, community gatherings and waterfront events. Palatka's central location also makes it easy to enjoy many of North and Central Florida's favorite destinations: Approximately 30 miles to St. Augustine Approximately 45 miles to Gainesville Approximately 50 miles to Jacksonville Approximately 50 miles to Ocala Approximately 55 miles to Daytona Beach Approximately 90 miles to Orlando Some listing photographs have been digitally altered using AI to illustrate the possibilities of select cosmetic updates, including flooring, fireplace and design enhancements. These conceptual images are provided for visual presentation purposes only and may not reflect the property's current condition, materials or included features. Buyers should rely upon in-person observations, inspections and verified property information. Improvement quotes may be available upon request.

What to check on this one

  • Confirm flood zone designation and obtain elevation certificate if in AE/VE
  • Verify roof age and get insurance quotes; 1998 roof likely needs replacement soon
  • Inspect pool equipment, saltwater system condition, and service history
  • Confirm septic system vs. municipal sewer and recent service records
  • Review plumbing materials for polybutylene or cast-iron issues from 1998 build
  • Verify 4-point inspection and wind-mitigation report readiness for insurability

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$2,594/mo
Property tax (1.1% eff., Putnam Co.)$458/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$3,344/mo

Loan $399,920 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 Sep 1, 2026, 2:32 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.