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123 Esperanza Grove Rd E, East Palatka, FL, 32131

3beds
2baths
2,500sqft
$469,900
$188price/sqft
$3,511/moest. monthly cost
$140,440/yrincome needed

About This Home

Priced to Sell! All reasonable offers considered. From the outside, this sweet mid century modern ranch looks like an inviting cottage but step inside this spacious, lovingly renovated 3-bedroom, 2-bath home and be prepared to be wowed! With approximately 2500 square feet of inviting living space, 123 Esperanza Grove Road offers a serene and beautiful setting for your dream retirement or busy family. Originally built in 1963, this property seamlessly blends timeless charm with modern upgrades. The updated kitchen and dining area features all new LG appliances, custom tile backsplash, custom dish cabinet, cast iron ceramic deep farmer’s sink, new lighting, new LVL flooring and white shaker cabinets perfect for large family gatherings or a quiet dinner for two at the custom island. The functional U-Shaped design is a cook’s dream with plenty of well organized storage and charm. The large primary suite offers plenty of room with a separate space that is currently used as an office but could also be a private sitting area or exercise space. Complimenting this space is a beautifully-updated en-suite bath with custom tiled large walk in shower, and large walk-in closet. A second bedroom features a bright and beautiful sleeping area with its own sitting/dressing area cleverly separated by floor to ceiling curtains for extra guests, grandchildren or just a little privacy. Directly across from this room is the renovated second bath boasting beautiful shiplap, and a brand new tub/bath enclosure. The third bedroom on the opposite side of the living areas, offers another large, quiet space with three large windows that provide lots of natural light and direct access to the pool area. The current owner uses it as an art studio. The large living room provides plenty of space for relaxing and watching a movie or sports, playing a game or just relaxing and looking through the sliders to the beautiful pool area. The sunsets from this vantage point are breathtaking and on clear nights step outside to catch some shooting stars! The large laundry room offers a two year old LG washer and dryer set (included in the price), and plenty of space for a desk for paying bills, ironing center or sewing area. The custom frosted glass door allows plenty of light to enter the hallway areas, filled with interesting art. The workshop/garage is the perfect space for the DIY’er or hobbyist with a large, built in workbench, dedicated electric service, and a separate storage shed for all the extras! The property, previously part of an original citrus grove, offers 3/4 acre of land with fruit trees, a fenced in vegetable garden area, a large oak tree, and many perennials. Enjoy the peace and quiet of this home and neighborhood, just one block from the St. John’s River with a public boat ramp just 5 minutes down the road.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

3/10
Palatka High SchoolGrades 7-124.6 mi

Construction

Condition

  • Year built: 1963

Materials

  • Roof: Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Chandelier
  • Flooring: Carpet,Laminate

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 400927228000000620
  • Zoning: R-1A

Features

  • Levels: Split
  • Stories: 1
  • Entry location: Ground Level
  • Private pool: Yes
  • Pool features: Screen Enclosure

Lot

  • Lot size: 0.72 Acres
  • Features: 1/2 to 1 Acre

Parking

  • Total spaces: 1
  • Parking features: 1 Car Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Putnam County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,376$28,512
Home Insurance *$303$3,636
Property Taxes $581$6,972
Electricity $251$3,019
Total$3,511$42,132
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,377/yr
40% on housing$105,330/yr
45% on housing$93,626/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 32131$211
Putnam County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 32131$182
Putnam County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-17Price change$479,000
2026-01-04Price change$498,000
2025-11-20Listed for sale$519,900
2023-05-04Sold$300,000
2023-03-20Pending sale$349,000
2023-02-21Listed for sale$349,000

For Sale by Agent

AgentE. An Marshall
BrokerageBerkshire Hathaway Homeservices Florida Network Realty

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