104 RIVERSIDE Lane, Palatka, FL, 32177 | $23,500

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.


Every effort has been made to provide the most current and accurate information possible. No warranties are expressed or implied. All terms and conditions must be in writing. Buyers and their agents are fully responsible for inspecting and verifying all aspects of the subject property and should conduct their own due diligence regarding code compliance and zoning use and material facts the effect the property value. 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 septicsufficient for a double-wide trailer or a decent-sized house.

Features

  • Lot Desc: Cleared, Easement Access, Irregular Lot
  • Elem. School: Moseley
  • Middle School: Jenkins
  • High School: Palatka
  • MLS#: 2054544
  • Days on Market: 21 days
  • Website: https://www.raveis.com
    /prop/2054544/104riversidelane_palatka_fl?source=qrflyer
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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
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Our Insurance Division:

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104 RIVERSIDE Lane, Palatka, FL, 32177

$23,500

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 $18,800 $18,800 $18,800
Term 360 months 360 months 180 months
Initial Interest Rate** 7.000% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.477% 7.159% 6.296%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $125 $125 $159
Total Monthly Payment $200 $200 $234

* 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.