$649,999
119 CLOVER Lane
Palatka, FL 32177
MLS# 2156042
4 beds  |  3 baths  |  2500 sqft


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Property Description
Custom-built by Riverside Builders in 2018, this Colonial Pines home offers approx. 2,482 sq ft of living area and 3,842 total sq ft under roof on a 1.18-acre corner lot. Soaring vaulted ceilings, long sightlines and a floor-to-ceiling stone fireplace anchor the open great room. The island kitchen features granite counters, extensive cabinetry, stainless appliances, gas range and pendant lighting. The oversized primary suite offers a tray ceiling, two walk-in closets, a private adjoining office/flex room and a spa-style ensuite with dual granite vanity, soaking tub and tiled walk-in shower. Outside, enjoy approx. 738 sq ft of covered porch space, a brick-paver patio with string lights, fully fenced backyard, oversized 622 sq ft garage and expansive concrete parking with room for guests, a boat or trailer. An adjacent retention-pond view and surrounding open space create rare in-town privacy, minutes from the hospital, shopping, dining, downtown Palatka and a public boat ramp.

Details
Contract Information
Property Attached YN: Yes
Current Price: $649,999
Property Sub Type: Single Family Residence
Status: Active
List Price: $649,999
Listing Contract Date: 2026-07-18
Location, Tax, and Legal
Country: US
Parcel Number: 091026152600200040
Tax Annual Amount: 6176.81
Tax Year: 2025
Tax Legal Description: COLONIAL PINES BLOCK B REPLAT MB6 P88 LOT 4 (SUBJE
Zoning Description: Residential
Elementary School: Kelley Smith
High School: Palatka
General Property Information
Lot Size Acres: 1.18
Bathrooms Half: 1
Living Area: 3144
Living Area Source: Appraiser
Building Area Total: 2500
CDD Fee YN: No
Accessory Dwelling Unit Y/N: No
Association YN: No
Homestead YN: Yes
Waterfront YN: No
Senior Community YN: No
Directions: From Highway 20, turn onto Silver Lake Drive, then turn onto Clover Lane. Home will be on the left at 119 Clover Lane.
Public Remarks: Custom-built by Riverside Builders in 2018, this Colonial Pines home offers approx. 2,482 sq ft of living area and 3,842 total sq ft under roof on a 1.18-acre corner lot. Soaring vaulted ceilings, long sightlines and a floor-to-ceiling stone fireplace anchor the open great room. The island kitchen features granite counters, extensive cabinetry, stainless appliances, gas range and pendant lighting. The oversized primary suite offers a tray ceiling, two walk-in closets, a private adjoining office/flex room and a spa-style ensuite with dual granite vanity, soaking tub and tiled walk-in shower. Outside, enjoy approx. 738 sq ft of covered porch space, a brick-paver patio with string lights, fully fenced backyard, oversized 622 sq ft garage and expansive concrete parking with room for guests, a boat or trailer. An adjacent retention-pond view and surrounding open space create rare in-town privacy, minutes from the hospital, shopping, dining, downtown Palatka and a public boat ramp.
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Furnished: Negotiable
Stories: 1
Entry Level: 1
List Price/SqFt: 206.74
Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Total: 3
Year Built: 2018
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
ENERGY STAR Qualified Dishwasher: 1
ENERGY STAR Qualified Dryer: 1
ENERGY STAR Qualified Freezer: 1
ENERGY STAR Qualified Refrigerator: 1
ENERGY STAR Qualified Washer: 1
ENERGY STAR Qualified Water Heater: 1
Freezer: 1
Gas Cooktop: 1
Gas Oven: 1
Gas Range: 1
Gas Water Heater: 1
Ice Maker: 1
Instant Hot Water: 1
Microwave: 1
Refrigerator: 1
Tankless Water Heater: 1
Washer: 1
Water Softener Owned: 1
Construction Materials
Block: 1
Composition Siding: 1
Cooling
Central Air: 1
Electric: 1
Current Use
Residential: 1
Single Family: 1
Fencing
Back Yard: 1
Privacy: 1
Wood: 1
Fireplace Features
Gas: 1
Flooring
Carpet: 1
Luxury Vinyl: 1
Stone: 1
Tile: 1
Heating
Central: 1
Hot Water: 1
Laundry Features
Gas Dryer Hookup: 1
Sink: 1
Washer Hookup: 1
Listing Terms
Cash: 1
Conventional: 1
FHA: 1
USDA Loan: 1
VA Loan: 1
Lot Features
Many Trees: 1
Parking Features
Additional Parking: 1
Attached: 1
Garage: 1
Garage Door Opener: 1
Off Street: 1
RV Access/Parking: 1
Possession
Close Of Escrow: 1
Road Frontage Type
City Street: 1
Road Surface Type
Asphalt: 1
Roof
Shingle: 1
Security Features
Security Lights: 1
Security System Leased: 1
Smoke Detector(s): 1
Utilities
Cable Available: 1
Electricity Available: 1
Electricity Connected: 1
Natural Gas Available: 1
Natural Gas Connected: 1
View
Pond: 1
Trees/Woods: 1
Water Source
Well: 1
Architectural Style
Traditional: 1
Community Features
Street Lights: 1
Patio And Porch Features
Covered: 1
Patio: 1
Rear Porch: 1
Interior Features
Breakfast Bar: 1
Ceiling Fan(s): 1
His and Hers Closets: 1
Kitchen Island: 1
Open Floorplan: 1
Pantry: 1
Primary Bathroom -Tub with Separate Shower: 1
Vaulted Ceiling(s): 1
Walk-In Closet(s): 1
Property Condition
Updated/Remodeled: 1
DPR Eligible
DPR Eligible: Yes
Location Tax and Legal
Street Number: 119
Street Name: CLOVER
Street Suffix: Lane
County: Putnam
State: FL
Postal Code: 32177
MLS Area Major: 561-Greater Palatka
Subdivision Name: Colonial Pines
Status Change Information
Major Change Timestamp: 2026-07-19T07:15:12Z
Major Change Type: New Listing
Property Features
Architectural Style: Traditional
Property Condition: Updated/Remodeled
Appliances: Dishwasher; Disposal; Dryer; ENERGY STAR Qualified Dishwasher; ENERGY STAR Qualified Dryer; ENERGY STAR Qualified Freezer; ENERGY STAR Qualified Refrigerator; ENERGY STAR Qualified Washer; ENERGY STAR Qualified Water Heater; Freezer; Gas Cooktop; Gas Oven; Gas Range; Gas Water Heater; Ice Maker; Instant Hot Water; Microwave; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned
Fireplace Features: Gas
Interior Features: Breakfast Bar; Ceiling Fan(s); His and Hers Closets; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower; Vaulted Ceiling(s); Walk-In Closet(s)
Flooring: Carpet; Luxury Vinyl; Stone; Tile
Laundry Features: Gas Dryer Hookup; Sink; Washer Hookup
Utilities: Cable Available; Electricity Available; Electricity Connected; Natural Gas Available; Natural Gas Connected
Cooling: Central Air; Electric
Heating: Central; Hot Water
Water Source: Well
Security Features: Security Lights; Security System Leased; Smoke Detector(s)
Construction Materials: Block; Composition Siding
Patio And Porch Features: Covered; Patio; Rear Porch
Roof: Shingle
Parking Features: Additional Parking; Attached; Garage; Garage Door Opener; Off Street; RV Access/Parking
Lot Features: Many Trees
View: Pond; Trees/Woods
Fencing: Back Yard; Privacy; Wood
Current Use: Residential; Single Family
Community Features: Street Lights
Road Frontage Type: City Street
Road Surface Type: Asphalt
Possession: Close Of Escrow
Listing Terms: Cash; Conventional; FHA; USDA Loan; VA Loan
Supplements
Both fields, ready to paste. **Public remarks -- 990 characters (limit 1,000):** Custom-built by Riverside Builders in 2018, this Colonial Pines home offers approx. 2,482 sq ft of living area and 3,842 total sq ft under roof on a 1.18-acre corner lot. Soaring vaulted ceilings, long sightlines and a floor-to-ceiling stone fireplace anchor the open great room. The island kitchen features granite counters, extensive cabinetry, stainless appliances, gas range and pendant lighting. The oversized primary suite offers a tray ceiling, two walk-in closets, a private adjoining office/flex room and a spa-style ensuite with dual granite vanity, soaking tub and tiled walk-in shower. Outside, enjoy approx. 738 sq ft of covered porch space, a brick-paver patio with string lights, fully fenced backyard, oversized 622 sq ft garage and expansive concrete parking with room for guests, a boat or trailer. An adjacent retention-pond view and surrounding open space create rare in-town privacy, minutes from the hospital, shopping, dining, downtown Palatka and a public boat ramp. **Supplemental remarks -- 3,658 characters (limit 10,000):** Custom-built by Riverside Builders in 2018, 119 Clover Lane is a rare offering in Palatka's established Colonial Pines neighborhood: newer custom construction, approximately 1.18 acres of privacy, and an unusually generous footprint of approximately 3,842 total square feet under roof, all within minutes of the hospital, shopping, dining and downtown. From the street, the home makes an immediate impression. A full-length covered front porch, classic dormer windows, double-door entry, curved walkway and established landscaping give it timeless Southern curb appeal, while concrete-block construction with a board-style exterior speaks to the quality underneath. Inside, the open-concept main living area is dramatic and light-filled, with soaring vaulted ceilings, recessed lighting, long interior sightlines and a floor-to-ceiling stone fireplace as the centerpiece. Wood-look flooring runs throughout the main living areas, and the kitchen anchors it all with granite countertops, extensive cabinetry, stainless-steel appliances, a gas range, decorative pendant lighting and a large center island with sink and seating that opens to the dining and living areas -- a layout made for everyday living and effortless entertaining alike. The oversized primary suite is a true retreat. A tray ceiling and two separate walk-in closets are joined by a private adjoining office/flex room that can serve as a home office, sitting room, fitness room, hobby room, dressing room or optional fourth sleeping space. The ensuite bathroom features a dual-sink granite vanity, deep soaking tub, separate tiled walk-in shower with rainfall and handheld fixtures, and a private water closet. Two additional bedrooms, a full guest bathroom, a convenient half bath and an interior laundry room complete the floor plan, with generous storage throughout. Outdoor living is where this property truly separates itself. Approximately 738 square feet of finished covered porch space -- including a large covered rear porch -- flows to an expansive brick-paver patio with string lighting, ideal for evening gatherings. The backyard is fully fenced with approximately 680 linear feet of six-foot wood fencing, offering a large usable lawn, mature trees, side gate access and room for pets, recreation, gardening or a future pool, subject to buyer verification and applicable approvals. Practical space is equally abundant. A long curved concrete driveway of approximately 2,820 square feet provides a large parking and turnaround area with room for several vehicles, guests, a boat, trailer or recreational equipment. The oversized two-car garage of approximately 622 square feet easily accommodates vehicles plus workshop space, tools, bicycles, lawn equipment and extra refrigerators or freezers. The setting is what buyers remember most. Positioned on a corner lot with an adjacent retention-pond view providing added separation on one side and wooded surroundings on the other, the property enjoys open space and very few directly adjoining neighbors -- a level of privacy rarely found in an in-town neighborhood. Yet convenience is never sacrificed: the hospital is roughly half a mile away, Walmart approximately two minutes, Publix approximately five minutes, downtown Palatka approximately five to ten minutes, and a public boat ramp approximately ten minutes, with easy access to Highway 20. Newer custom construction, acreage, privacy, flexible living space, exceptional storage and outdoor entertaining space in one convenient location -- 119 Clover Lane is a property that simply does not come along often in this market. Schedule your private showing today.

Listing Office: MAXREV, LLC
Source MLS Verified

Last Updated: July - 19 - 2026

Information deemed reliable but not guaranteed.