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One-of-a-kind and full of character, this Mid-Century Modern-inspired home immediately commands your attention. Thoughtfully updated in 2023, with a metal roof installed in 2018 and a full re-plumb completed in 2025, this home offers the perfect blend of architectural charm and meaningful system upgrades. Drenched in natural light from oversized black-framed windows of every shape and size, the interior celebrates volume, texture, and design. The dramatic main living area features soaring 20-foot ceilings, a stunning balcony overlook, and a massive wood-burning brick fireplace--complete with a built-in wood box--creating the ultimate gathering and entertaining space, with a conveniently located half bath nearby. The primary suite is privately tucked beneath the balcony just off the main living area and features a modest yet stylish en-suite with a walk-in shower and double-sink vanity. Just down the hall, a dedicated office provides the perfect work-from-home retreat. The modern kitchen with gas range flows into a spacious dining room highlighted by a contemporary accent wall, while the walk-through laundry/mudroom adds everyday convenience. Upstairs, two large bedrooms are connected by a Jack-and-Jill bath, offering flexibility for family or guests. Outside, a wraparound concrete patio helps keep maintenance simple while extending your living and entertaining space outdoors. The covered rear patio is ideal for summer barbecues, and the spacious corner lot provides room for boats, trailers, and all your recreational toys. With well and septic service and no HOA, you'll enjoy both independence and functionality--all quietly located in the heart of Palatka just minutes from downtown, the riverfront, and Ravine Gardens State Park.
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Our Executive Mortgage Banker:
Our Insurance Division:
$325,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $260,000 | $260,000 | $260,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.730% |
| Monthly Tax Payment | $316 | $316 | $316 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,557 | $1,622 | $2,123 |
| Total Monthly Payment | $1,948 | $2,013 | $2,514 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.