254 ST JOHNS DRIVE, PALATKA, FL, 32177
Active200 days on marketListed Jan 6, 2026MLS #NS1086948
About this home
254 ST JOHNS DRIVE
This development opportunity for a secluded private estate or potential small residential community is unmatched. Approx 20 acres on the St Johns River with over 2000 feet of water frontage. There is an existing dock structure on the SE point of the property. There are incredible water views of this wide section of the River all along the water frontage. The southern point wraps around to a creek mouth to the west. This location has tremendous potential, its approximately 10 miles North of the historic town of Palatka and about 16 miles south of Green Cove Springs. The property itself is very private with a gated access off of the southern end of St Johns Dr with a private road down to the mostly cleared area of the property that offers an abundance of fruit trees and an artesian well. This is a unique Riverfront offering!
Facts & features
The home at a glance
20.61 ac
Lot size
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.
$12,722 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,722/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Where it sits
Inside Palatka
Get to know Palatka. See the full Palatka guide →
PALATKA 32177 — neighborhood snapshot
Population
26,046
Median age
41.6
Median income
$47,486
Median home value
$158,800
Avg household
2.4
Households w/ children
3,008
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palatka market
$182K → $279K
Palatka median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1532% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 254 ST JOHNS 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$100,000
120 SHAGGY LANE
4 bd · 2 ba · 1,920 sqft · $52/sqft · 19 DOM
Sold · May ’26$675,000
108 SAINT JOHNS DRIVE
3 bd · 3 ba · 3,230 sqft · $209/sqft · 240 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 254 ST JOHNS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 254 ST JOHNS 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
254 ST JOHNS DRIVE FAQs
What would the monthly payment be for 254 ST JOHNS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,722/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 254 ST JOHNS DRIVE?+
The most recent tax bill on record (2025) was $15,702. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palatka?+
At $1,950,000, this home is listed about 650% above the Palatka median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 254 ST JOHNS DRIVE?+
William D. Moseley Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,950,000 runs 1532% above the PALATKA 32177 median.
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
200 days on market against a Palatka median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,100,000, now $1,950,000 — a $150K cut. The full history is in the market section below.
Listing courtesy of THE BARNETT GROUP, INC. · Steven Jones. MLS #NS1086948.
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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