191 Jim Bryant Road, East Palatka, FL 32131
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
191 JIM BRYANT Road in East Palatka is listed at $180,000 (1,040 sq ft, about $173 per sq ft). It has been listed Jun 10, 2026. Listing facts: built in 1994, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1994 · 32 yrs
- 1,040 sq ft of living area
- Listed at $180,000 — recent neighborhood median sale price ~$194,250 (nearby sales; deemed reliable, not an appraisal)
- listed Jun 10, 2026
- No HOA reported by the listing (confirm)
About this home
Welcome to 191 Jim Bryant Rd E, East Palatka, FL 32131--a peaceful country retreat with room to breathe and endless possibilities. Nestled on an expansive 1.66-acre lot, this charming 3-bedroom, 1-bath home offers the perfect blend of privacy, open space, and comfortable living. Built in 1994, this single-family home features approximately 1,040 square feet of living space designed for easy everyday living.
Step outside and enjoy the beauty of your own oversized property, where mature trees, open skies, and plenty of space create a relaxing setting that feels miles away from the hustle and bustle. Whether you're enjoying a quiet morning outdoors, gardening, or simply appreciating the extra space, this property offers the freedom that is becoming harder to find. Located in East Palatka, this home places you near the scenic St.
Johns River, local parks, boat ramps, fishing opportunities, and the natural beauty that makes Putnam County so appealing. The area is known for its peaceful atmosphere, outdoor recreation, and convenient access to Palatka, St. Augustine, Jacksonville, Gainesville, and Daytona Beach, making it easy to enjoy both small-town charm and nearby city conveniences.
East Palatka is a hidden gem in Northeast Florida, offering a relaxed lifestyle surrounded by nature while remaining close to shopping, dining, schools, and everyday essentials. Residents enjoy easy access to the St. Johns River, local events at the Putnam County Fairgrounds, and the area's rich outdoor heritage.
If you're looking for a home with land, privacy, and the opportunity to enjoy the Florida lifestyle, 191 Jim Bryant Rd E delivers a rare combination of space, comfort, and location. Don't miss the chance to own this beautiful piece of East Palatka. Occupants are not to be disturbed.
This property is being sold occupied and could involve additional costs. This property is being sold as occupied auction Do Not Disturb Occupant. sold as-is, where-is.
No inspection Contingency Property is being sold strictly as-is. Seller will make no repairs and will not offer credits or concessions for any inspection-related items. Inspections are for the buyer's information only.
Buyer may conduct inspections and retains the right to cancel during the inspection period in accordance with the contract. The information provided in this listing is the best of the seller's/ Listing agent knowledge and cannot be exclusively relied on by buyer. Buyer must independently verify all information pertaining to the property.
"Seller never occupied. Neither the seller or listing agent make any representations as to the accuracy of any information contained herein. Buyer/buyer agent must conduct their own due diligence, verifications, research and inspections and are relying solely on the results thereof."
All 40 photos
Description provided by INTEGRITY KEY REALTY LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $989/mo 79%
- Taxes $183/mo 15%
- Insurance $88/mo 7%
$1,260/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollThe estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Putnam County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 191 Jim Bryant Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $2,200/yr (certified county roll, taxable value × millage). Buy at the asking price of $180,000 and the first-year bill resets to about $2,200/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.89 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Putnam County is $1,345/yr (550 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1994. An original roof would be about 32 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $295/month (tax $183, insurance $112). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Putnam County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the East Palatka market
How this home is priced against recent nearby sales, and where East Palatka has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1994BuiltPer public record
- About Jun 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-06-10" data-fmt="dom">listed Jun 10, 2026</span>)
- Jul 10, 2026First seen on movewithmomentum.comObserved at $180,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 10 miles in Putnam County in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $194,250 ($186/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 20 comparable closed sales within about 10 miles in Putnam County (same property type, closed within the last 18 months, each adjusted to today's market); the Putnam County 2025 tax roll just value ($130,450) × the local sale-to-roll ratio of 33 nearby sales.
Track record: across 2,980 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.4% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $180,000 ($173/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a 1994 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 279 active listings competing, 60 under contract
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (33 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 24, 2026.
Momentum Property Score
71/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $173 per square foot, about 7% below the community’s $186 median. East Palatka’s 12-month median sold price per square foot is $186. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by INTEGRITY KEY REALTY LLC · MLS # 2149705
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More on Putnam County
Explore Putnam County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Putnam County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 191 JIM BRYANT Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1994 (32 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Putnam County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,040 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $2,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 24, 2026) |
| Comparable sales | realMLS closed sales within about 10 miles in Putnam County, last 18 months, as of October 24, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 191 JIM BRYANT Road and when was it built?
Per the listing record, 191 JIM BRYANT Road was built in 1994 and has 1,040 sq ft of living area, 3 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 191 JIM BRYANT Road in?
191 JIM BRYANT Road is in East Palatka, Putnam County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 191 JIM BRYANT Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 191 JIM BRYANT Road differ from the current owner's?
The estimate on this page (about $2,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 191 JIM BRYANT Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 191 JIM BRYANT Road in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. 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 Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.