RARE opportunity offering exceptional flexibility for both residential living and potential business use in a prime location just minutes from the St. Johns River, known for excellent boating and fishing, and close to the charm of historic downtown Palatka and relaxed small-town living. Situated on 0.42 acres, this property is ideal for those seeking a home-based business setup, investment potential, or future commercial use (buyer to verify), while still enjoying the comfort of a private residence. With NO HOA and ample space for boats, RVs, work vehicles, or equipment, the possibilities here are wide open. This concrete block home features 3 bedrooms and 2 bathrooms with warm, inviting character including beautiful wood details and finishes throughout. The flexible layout supports multi-generational living or the opportunity to live in one portion while utilizing another for income-producing use such as short-term rental. A standout feature is the oversized garage/workshop.