102 MULLINS Road, Palatka, FL, 32177 | $299,900

Completely Reimagined Custom Ranch on 1. 87 Acres
Forget ''renovated''--this stunning 3-bedroom, 2-bathroom home has been stripped to the studs and masterfully rebuilt from the ground up. Situated on a sprawling 1. 87-acre lot, this property offers the peace of country living with the absolute peace of mind that comes with a brand-new home.

Built for the ages, this home features brick laid over solid block walls, providing incredible structural integrity and superior sound dampening.

Outdoor Living & Curb Appeal

From the moment you pull up, this home invites you to slow down and stay a while.

Front Porch: A massive, welcoming front porch begging for a row of rocking chairs and a porch swing--the perfect spot for morning coffee.

Back Porch: A private rear porch waiting for your grill and weekend BBQs.

Parking: A convenient covered carport keeps your vehicle protected from the elements. Land & Outbuildings With 1. 87 acres of land and Agricultural Zoning, you have the freedom to truly live off the land. This property is ready for your lifestyle--so bring the fur babies, the garden, and even the chickens! Workshop: A detached 10x20 block workshop, perfect for hobbies or a tack room. Space to Grow: Plenty of room for a coop, a kennel, or a massive vegetable garden. The Total Package Every major system and surface in this home is brand new. This isn't just a cosmetic flip; it's a high-efficiency powerhouse designed for longevity. Efficiency: Solid brick-over-block construction combined with new spray foam insulation for whisper-quiet living and incredibly low utility bills. Mechanicals & Utilities: New HVAC, all-new electrical wiring/panel, new plumbing, a brand-new septic system, and a new well pump and tank. Exterior: New roof, energy-efficient windows, new doors, and seamless gutters. Designer Kitchen & Living The heart of the home features an open-concept layout with high-end finishes and modern flooring. Cabinetry: White shaker-style cabinets with soft-close hinges and under-cabinet lighting. Countertops: Stunning solid-surface quartz paired with a classic tile backsplash. Details: Full suite of brand-new stainless steel appliances and sleek matte black fixtures throughout. Master Suite Retreat The primary suite is a true sanctuary, designed with both luxury and organization in mind. Storage: A huge walk-in closet providing ample space for even the most extensive wardrobes. The Spa Bath: An oversized, custom-tiled walk-in shower with a seamless glass enclosure and high-contrast black fixtures. This is effectively a brand-new 2026 build inside a rock-solid shell. No detail was overlooked and no expense was spared.

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Unit
  • Year Built: 1973
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,263
  • Acreage: 1.87
  • Est. Taxes: $2,343
  • Lot Desc: Flag Lot
  • View: Trees/Woods
  • Appliances: Dishwasher, Electric Range, Electric Water Heater, Refrigerator
  • MLS#: 2132383
  • Days on Market: 42 days
  • Website: https://www.raveis.com
    /prop/2132383/102mullinsroad_palatka_fl?source=qrflyer
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The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than William Raveis Real Estate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.
Listing courtesy of TIMBER TO TIDES REALTY LLC

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

102 MULLINS Road, Palatka, FL, 32177

$299,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $239,920 $239,920 $239,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.873%
Monthly Tax Payment $195 $195 $195
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,419 $1,477 $1,959
Total Monthly Payment $1,689 $1,747 $2,229

* 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.