12 PALM DRIVE, YANKEETOWN, FL, 34498
Active188 days on marketListed Jan 26, 2026MLS #GC536906
About this home
12 PALM DRIVE
Rare opportunity to own a beautifully maintained waterfront home on the last deep-water canal off the Withlacoochee River, offering quick access to some of the best saltwater fishing on Florida’s Nature Coast. This solid concrete block home with a metal roof features 2 bedrooms, both with walk-in closets, and 2 full bathrooms, plus a glass-windowed room currently used as an office that would make an excellent third bedroom with stunning water views. The kitchen offers stainless steel appliances, a gas stove, and gorgeous granite countertops. Enjoy peaceful canal views from the climate-controlled Florida room or relax on the open back patio. Boaters and anglers will love the private wooden dock with fish-cleaning station and floating dock. A 2-car garage provides ample storage, and the land across the canal is owned by the Town of Yankeetown and preserved as protected green space, ensuring privacy, abundant wildlife and incredible bird watching. This is true waterfront living with low-maintenance construction and unbeatable natural surroundings.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
2,086
Sqft
0.25 ac
Lot size
2
Garage
1978
Year built
One
Levels
$187
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,085 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,085/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Yankeetown actives
$187 vs $223
Days on market
188 vs 67 typical
Where $187/sqft sits among the 8 Yankeetown actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Yankeetown
Get to know Yankeetown. See the full Yankeetown guide →
YANKEETOWN 34498 — neighborhood snapshot
Population
666
Median age
59.8
Median income
$56,875
Median home value
$307,800
Avg household
2.24
Households w/ children
65%
The numbers that matter
The Yankeetown market
$150K → $550K
Yankeetown median sold, yr/yr
90.1%
Sale-to-list ratio (12 mo)
3 of 8
Yankeetown actives have cut their price
Median sold price, Yankeetown, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the YANKEETOWN 34498 median. See the full Yankeetown market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$700,000
5 PALM DRIVE · same community
3 bd · 2.5 ba · 2,088 sqft · $335/sqft · 103 DOM
Sold · Apr ’26$150,000
16 PALM DRIVE · same community
2 bd · 1 ba · 1,752 sqft · $86/sqft · 223 DOM
Sold · Mar ’26$180,000
11 62ND STREET
2 bd · 3 ba · 1,155 sqft · $156/sqft · 239 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12 PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12 PALM DRIVE FAQs
What would the monthly payment be for 12 PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,085/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12 PALM DRIVE?+
The most recent tax bill on record (2025) was $5,478. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12 PALM DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Yankeetown?+
At $390,000, this home is listed about 6% above the Yankeetown median of $367,500. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$390,000 runs 10% above the YANKEETOWN 34498 median — but at 2,086 sqft it's also 16% larger than the typical Yankeetown listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
188 days on market against a Yankeetown median of 67 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $449,900, now $390,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JIM KING REALTY, INC. · Melanie Hutchison. MLS #GC536906.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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