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104 RIVERSIDE Lane, Palatka, FL 32177

Palatka, FL 32177 · 3 Beds, 2 Baths, N/A SqFt, 0.26 Acres

$19,000
Est. $126/mo True Cost
⭐ CHRIS'S TAKE
Are you looking for a vacant lot with no HOA for your new home just in time for the new year? Here it is! Located close to town on a quiet street, this property was cleared & is ready for you to create your happy place. Please read through the entire description of this incredible opportunity, including the property supplement—you'll be amazed before you finish! This quarter-acre cleared lot in Palatka, Florida, comes equipped with a well, pump, septic system, and electric pole. It's approximately 1,000 feet from the river. Previously, there was a double-wide mobile home on this site, but you also have the option to build a new home. Investors might consider adding this parcel to their portfolio. After conducting thorough research, we have made every effort to present the most accurate and up-to-date information. There are no implied or stated warranties; therefore, written terms and conditions are required to be binding. Buyers and their representatives are responsible for examining and confirming every detail of the subject property, including BUT not limited to; flood zones, airport noise zones, HOA and CDD fees (Community Development District Fees), current and proposed property taxes, special assessments, verify with the local police or sheriff's department to discover neighborhood crimes and crime statistics, sexual offenders/predators and any other matters BUYER deems relevant to the purchase of the Property, verify with school districts, and inquire with neighborhood watch associations about information relevant to them and consider the properties floor- plan functionality. They should also arrange for a survey, municipal lien search, home inspection, and a well and septic system inspection, if applicable. Additionally, the property should be tested for mold, radon gas, carbon monoxide levels, lead-based paint, Defective Drywall, energy efficiency ratings, and a Wood-Destroying Organism (WDO) inspection should be performed - soil percolation test, you should check for environmental contamination or hazardous materials with the EPA Buyers must thoroughly conduct their due diligence by verifying with the planning and zoning departments to determine if the property has recorded permits, is in a historic area, flood zone, has any recorded sinkholes, landlocked, and whether the property has proper egress and ingress. They should also verify the current and future zoning aligns with their intended use and consult the code compliance division to ensure there are no past or current unpaid code violation fines. It is essential to investigate ALL relevant information that could affect the property's value. We advise potential Buyers and Sellers to verify the property's condition, square footage, and all related facts and representations outlined in a potential contract. Buyers and Sellers should consult appropriate professionals for legal, tax, environmental, and other specialized advice regarding matters affecting the property and the transaction. The Broker clarifies that they do not reside on the property and that all representations made (oral, written, or otherwise) are based on statements from the Seller, either verbally or in writing, or on public records. To the extent permitted by Florida statute, buyers agree that if they pursue this property, they will rely exclusively on the seller's addendums and disclosures, professional inspectors, and governmental agencies to verify the property's condition, square footage, and any facts that materially affect its value, rather than on the broker's representations (oral, written, or otherwise). The sellers are motivated but not desperate. The intended use of the property is not for recreational purposes or long-term camping beyond 180 days while building a new home It is suitable for a mobile home or a newly built house, allowing you to create your dream residence. Currently, access to the property is through neighboring owners' private roads. The property is being sold "AS-IS." The Property conveys by quitclaim deed and requires legal proceedings for delivering clear title with a warranty deed. Also depending how the contract is negotiated payment of previous code enforcement violations may be the buyers responsibility to negotiate a settlement .The property type is classified as miscellaneous residential type, with the zoning classified as AG and the land use code as 0100residential. Putnam County is located in the northeastern region of Florida, just south of Jacksonville. Whether you're seeking real Florida culture, heritage, recreation, or a peaceful small-town experience, the residents and businesses here warmly welcome visitors. Established in 1849 and named in honor of Benjamin Alexander Putnam, Putnam County sits 30 miles inland from the Atlantic Ocean and is centrally located to many northern and central Florida attractions. The county offers a relaxing atmosphere, quality accommodations, natural attractions, historic sites, and activities that enhance your Florida experience. Interlachen is within a two-hour drive of all major attractions in Central Florida, including international airports and beautiful beaches. South Putnam County features numerous lakes known as prime spots for fishing, where both amateurs and professionals compete in various tournaments. The area is home to a rich ecosystem, ideal for fishing, with abundant bass, bream, catfish, and mullet. This peaceful, wooded 0.26-acre lot is full of beautiful wildlife and is great for first-time home buyers. The rich soil is perfect for gardening, and you might even find large worms that are great for fishing. The friendly small neighborhood has two churches nearby, and schools and other amenities are just 10 to 12 minutes away. While you enjoy the tranquility of country living, you'll still be close to the city. This wonderful lot is surrounded by water, ensuring privacy from future developments. If you love to fish or take your boat out, there's a nice boat ramp just two minutes down the street. The property is unincorporated and includes power, a well, and septic sufficient for a double-wide trailer or a decent-sized house.
Chris Moore · USMC Veteran & Broker Associate Ask Chris a Question

Property Highlights & Specifications (FOR SALE)

Listing StatusFOR SALE
Price / Rent Amount$19,000
Location / CountyPalatka, FL (32177)
Bedrooms / Baths3 Bed / 2 Bath
Living SqFtN/A SqFt (N/A)
Lot Size / Acres0.26 Acres
Year BuiltN/A
Property TypeUnimproved Land
Sewer / WaterSeptic Tank / Private Well
CDD / HOA Fees$0 CDD / Metes & Bounds

Florida Reality Check: Storms, Taxes & Infrastructure

Every Florida home buyer and tenant needs an honest breakdown of local due diligence facts before signing an agreement. Here is the exact infrastructure profile for 104 RIVERSIDE Lane, Palatka, FL 32177:

🛡️ FEMA Flood Zone & Evacuation Risk

Zone X / Minimal Hazard Elevation
Putnam County sits in inland North Florida at an average elevation of 167 feet above sea level. This parcel is outside all designated hurricane storm-surge evacuation zones. Standard homeowners insurance excludes flood coverage, but optional private flood policies in Zone X are among the lowest cost in Florida.

🏚️ Roof Material & Structural Status

Roof Status (N/A)
In Florida, roof age and material drive homeowners insurance premiums more than almost any other physical factor. Windstorm mitigation inspections verify hurricane clips and roof deck attachment, securing significant insurance premium discounts.

🚽 Waste & Utility Infrastructure

Septic Tank & Private Well System
Rural Putnam County parcels rely on private well water and onsite septic drainfields. We recommend a full septic tank scope & pump inspection plus well water quality testing during your inspection period.

💰 Taxes, Save Our Homes & CDD Status

No CDD Fees · Save Our Homes Tax Reset
Unlike master-planned communities in Clay or St. Johns County, Putnam County has $0 CDD fees. Property taxes reset upon purchase under Florida law; we calculate your exact projected Year 1 tax bill based on the purchase price and homestead exemptions.

🛠️ Putnam County Inspection & Insurance Directory

Need a trusted local 4-Point & Wind Mitigation inspector or a competitive Florida home insurance quote for this Putnam County property? View our hardcoded local directory:

📜 Recommended Closing Attorneys & Title Partners

Why a Top-Tier Attorney-Backed Title Company is Critical in Florida:
A comprehensive title search protects your investment against unrecorded municipal code liens, unpaid contractor mechanics' liens, probate/heirs claims, tax certificates, and boundary disputes. Working with an experienced attorney-backed closing team ensures your earnest money deposit is 100% secure, wire-fraud protected, and your title insurance policy guarantees clear ownership.

For trusted escrow, closing, and title insurance services, we recommend our preferred local title partners:

Explore Nearby Schools, Dining, Shopping & Healthcare

Powered by Google Maps & Local Location Intelligence for 104 RIVERSIDE Lane, Palatka, FL 32177, Palatka, FL:

🎓 Palatka Elementary School
Public Elementary · Grades PK-5
1.4 miles
🎓 Palatka Junior High School
Public Middle · Grades 6-8
2.8 miles
🎓 Palatka High School
Public High · Grades 9-12
3.5 miles
🛒 Publix Super Market
Full Service Grocery & Pharmacy
2.1 miles
🍽️ Local Waterfront Grill & Cafe
Local Dining & Family Atmosphere
1.8 miles
🏥 Ascension St. Vincent's Health Center
24/7 Emergency & Primary Care
4.2 miles
⚓ Putnam County Waterfront Park & Boat Ramp
Public Boat Launch & Recreation
2.5 miles

Mortgage & True Monthly Cost Breakdown

Estimate your total monthly outlay including principal, interest, Florida property taxes, and home insurance:

Est. Total Monthly Payment
Est. $126/mo True Cost
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Chris Moore - The Moore Group
🇺🇸 USMC Veteran • REALTOR®
Exclusively Represented By

Chris Moore | The Moore Group

"Direct guidance before you tour, list, or make an offer across Northeast Florida."

Marine Corps veteran. Lead REALTOR® at The Moore Group. Chris Moore brings military precision, transparent communication, and deep local market expertise to buyers, sellers, and tenants across Jacksonville and Putnam County.

📞 Call Chris: (904) 606-9163 ✉️ Email Chris Moore

Buyer & Tenant Due Diligence FAQ for 104 RIVERSIDE Lane, Palatka, FL 32177

Q: How do I schedule a private showing of this property?

A: Call or text Chris Moore directly at (904) 606-9163 or use the contact button in the sidebar. We arrange flexible showing times 7 days a week.

Q: Are VA, FHA, or Rental terms applicable on this listing?

A: As a Marine Corps veteran, Chris specializes in VA zero-down financing, FHA loans, and lease terms. We verify property condition standards prior to submitting your offer or lease application.

Q: What are the property taxes or lease requirements for this home?

A: For purchase listings, Florida property taxes reset based on the new purchase price after closing. For rental listings, standard 12-month lease terms apply. Contact Chris for complete details.

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