134 Bowfin Dr, photo 1
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Overview

3 bd3 ba2,540 sqftSingle Family
TypeSingle Family
HOANone listed
Built2004
Lot10,019 sqft
Living area2,540 sqft
Price / sqft$196

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Open FloorplanSplit BedroomWalk-in Closet(s)Window TreatmentsCooktopDishwasher

134 Bowfin Dr is a 2004-built home in St Johns Harbor Sub, Palatka. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,540 square feet of living space. Listed at $497,000 (about $196/sqft), 96 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Waterfront Pool Home with Direct Access to the St. Johns River -Dive into the Florida waterfront lifestyle you've always dreamed of! This handicap-accessible concrete block home offers 2,400 square feet of comfortable living space on a beautiful canal with direct access to the St. Johns River, Crescent Lake, Dunns Creek, and beyond. Featuring 3 BR and 2.5 BA, this high-and-dry residence welcomes you with a spacious great room, soaring vaulted ceilings, & a cozy wood-burning fireplace. The oversized kitchen is designed for both everyday living & entertaining, offering LG appliances, a breakfast bar, country sink, pantry, abundant cabinetry, & generous counter space. The primary suite provides a peaceful retreat with a large walk-in closet & an accessible en-suite bath featuring dual vanities & a walk-in shower. 2 additional bedrooms share a full bath, providing plenty of room for family & guests. Step outside & enjoy your private pool, four-car carport, and storage shed/workshop. Come see it now!!

The essentials

Built
2004
Price / sqft
$196
On market
96 days
Annual tax
$3,841
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Waterfront
Brackish Water
Private pool
Above Ground
10,019 sqft lot
Lot size
2,540 sqft
Living area

Payment

Est. monthly payment
$3,161/mo
Down payment (20%)
$99,400
Property taxes
$320/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Above Ground
Waterfront
Brackish Water
Days on Market
96
Cathedral Ceiling(s)
Ceiling Fans(s)
Open Floorplan
Split Bedroom
Walk-in Closet(s)
Window Treatments
Cooktop
Dishwasher
Disposal
Electric Water Heater
Ice Maker
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,841
Parcel #
35-08-27-8152-0130-0100

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
St Johns Harbor Sub
County
Putnam
MLS Area
32177 - Palatka
Lot Size
10,019 sqft
Cleared

Price history

Date
Event
Price
8/18/2026
Price change
Source: Stellar MLS #GC541743
$497,000-0.6%
$196/sqft
7/6/2026
Listed for sale
Source: Stellar MLS #GC541743
$500,000
$197/sqft

Neighborhood

134 Bowfin Dr
Palatka, FL, 32177 · 32177 - Palatka

Market insights

Offer Insights

Choose an offer strength

List price: $497,000
$475,000 – $497,000
95.5% – 100% of listTops out right at the list price
80% of listList price
17 of the last 32 home closings in 32177 landed at this number or higher (53%). The median one sat 61 days before it went under contract, and this one is on day 96 after a $3,000 cut.

Sample: 32 closed home sales in 32177 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,161/mo
Principal & interest$2,592
Property taxes$320
Insurance$249
Down payment20% · $99,400
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

$497,000

$196 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,540 sq ft

Time on market

96 days

Year built

2004

Monthly payment

About $3,161/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,841 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

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER BEN BATES, INCListing agent: Margaret ZahnerListing data from Stellar MLS, MLS# GC541743.

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