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Overview

3 bd3 ba2,024 sqftSingle Family
TypeSingle Family
HOANone listed
Built1965
Lot18,731 sqft
Living area2,024 sqft
Price / sqft$232

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About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenWalk-in Closet(s)Fire PitOutdoor GrillOutdoor ShowerDishwasher

209 River Dr is a 1965-built home in River Groves Division, East Palatka. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,024 square feet of living space. Listed at $469,900 (about $232/sqft), 48 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

River views set the tone at 209 River Drive, a beautifully renovated East Palatka home where flexible living spaces, thoughtful upgrades, and a resort-style backyard come together effortlessly. This concrete-block home offers three bedrooms, three full bathrooms, an office, and a spacious flex room, providing plenty of room to live, work, gather, and unwind. Two of the bedrooms are private en-suites with walk-in closets, and one includes a separate exterior entrance, making it especially well-suited for guests, extended family, or use as a private mother-in-law suite. Inside, natural light pours through the impact-resistant windows while beautiful crown molding, wainscoting, plantation shutters, luxury vinyl plank flooring, and recessed lighting create a polished and cohesive look throughout the home. The remodeled kitchen serves as the heart of the space with a large island, quartz countertops, and plenty of room for everyday meals or entertaining. From there, the home flows into the shaded sunroom, where paver flooring creates a seamless connection to the outdoor living areas and invites you to slow down and enjoy the surrounding river views. Outside, lush landscaping and St. Augustine sod enhances both the front and back yards, while pavers continue from the carport to the rear of the home, wrapping around the saltwater pool and leading to the firepit area. The fenced backyard offers everything needed to enjoy Florida living, including an in-ground pool with a newer liner and pump, gas pool heater, outdoor shower, tied-in gas grill, and multiple spaces for relaxing or gathering with friends and family. A powered storage shed with a lean-to and its own metal roof, also installed in March 2026, adds even more useful space. The beauty of this home is matched by the work completed behind the scenes. Renovations and improvements include remodeled bathrooms, updated plumbing, ductwork, and electrical panel in 2023; a metal roof installed in March 2026; and a newer septic system and drainfield installed in 2022. A whole-home Generac generator installed in 2020, an on-demand gas water heater, stackable gas washer and dryer, water softener, irrigation system, and UV-C lamps in the HVAC system add comfort, efficiency, and peace of mind. With its captivating river views, two private en-suites, flexible living areas, extensive renovations, and backyard designed for year-round enjoyment, 209 River Drive is more than a beautifully updated home; it is a place created for making memories. Offered under $500,000, this is your opportunity to enjoy the river views without the riverfront price!

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The essentials

Built
1965
Price / sqft
$232
On market
48 days
Annual tax
$2,435
Flood zone
X · Low risk
Lot
18,731 sqft
Type
Single Family Residence

At a glance

Single family
Built 1965
Water views
Water
Private pool
In Ground
0.43 acres
Lot size
2,024 sqft
Living area

Payment

Est. monthly payment
$2,889/mo
Down payment (20%)
$93,980
Property taxes
$203/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1965
Lot
18,731 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
-
Pool
In Ground
Days on Market
48
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Walk-in Closet(s)
Fire Pit
Outdoor Grill
Outdoor Shower
Dishwasher
Dryer
Microwave
Range
Refrigerator
Tankless Water Heater
Washer
Water Filtration System
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,435
Parcel #
381027777000100450

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
River Groves Division
County
Putnam
MLS Area
32131 - East Palatka
Lot Size
18,731 sqft

Price history

Date
Event
Price
8/27/2026
Listed for sale
Source: Stellar MLS #FC321061
$469,900
$232/sqft

Neighborhood

209 River Dr
East Palatka, FL, 32131 · 32131 - East Palatka

Market insights

Offer Insights

Choose an offer strength

List price: $469,900
$450,000 – $469,900
95.7% – 100% of listTops out right at the list price
80% of listList price
87 of the last 172 home closings in Putnam County landed at this number or higher (51%). The median one sat 57 days before it went under contract, and this one is on day 48.

Sample: 172 closed home sales in Putnam County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,889/mo
Principal & interest$2,451
Property taxes$203
Insurance$235
Down payment20% · $93,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$469,900

$232 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,024 sq ft

Time on market

48 days

Year built

1965

Monthly payment

About $2,889/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,435 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byMAXREV LLCListing agent: Tiffani WilliamsListing data from Stellar MLS, MLS# FC321061.

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