$549,900
109 ST JOHNS Boulevard, East Palatka, FL 32131
Elgin Grove
- Price
- $549,900
- Beds / Baths
- 3 / 2
- Living area
- 1,968 sqft
- Year built
- 1980
- Type
- Residential
- Lot
- 0.41 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 0
Experience the best of St. Johns River living in this inviting 3-bedroom, 2-bath waterfront home offering almost 2,000 sq ft and breathtaking sunset views. Spend your days boating, fishing, or simply enjoying the peaceful beauty of the river, renowned for its outstanding fishing and recreational opportunities. Inside, a spacious living room with fireplace creates a warm gathering space, while the updated kitchen adds style and function. Recent interior paint and carpet make this home feel move-in ready. The highlight is the incredible riverfront room, where expansive views bring the beauty of the outdoors inside. Step onto the riverfront deck to relax, entertain, watch boats drift by, or unwind as another spectacular sunset paints the sky. This is more than a home--it's a lifestyle. An oversized 2 car garage with workshop space located underneath the home plus a carport or covered boat parking. Public boat ramp conveniently located just down the street.
What to check on this one
- Verify roof age and condition; 1980 home may need inspection or replacement soon.
- Obtain flood zone designation and elevation certificate for St. Johns River waterfront.
- Get 4-point inspection (roof, HVAC, plumbing, electrical) before closing.
- Confirm septic system condition and last service records.
- Review flood insurance requirements and current policy details.
- Inspect plumbing materials; polybutylene or cast-iron common in 1980 builds.
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 $439,920 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 COLDWELL BANKER BEN BATES INC. Data via realMLS (Northeast Florida MLS), updated Sep 2, 2026, 4:56 PM.
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