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Sold·Closed Aug 15, 2025·290 days on market
115 Key Road
Palatka, FL 32177
About this home
Palatka
BACK ON MARKET THROUGH NO FAULT OF THE SELLERS! GET A 1% CREDIT TOWARDS CLOSING COSTS/RATE BUY DOWN WITH SELLERS PREFERRED LENDER! This beautifully updated, move in ready home has 4 bedrooms, 2 bathrooms and is nestled on 3.71 partially cleared acres. Located on a quiet, dead-end private road, this home provides the peace and privacy you've been searching for. Step inside to an open floor plan that seamlessly connects the living, dining, and kitchen areas, making it perfect for everyday living and entertaining. The spacious kitchen features a large island, providing ample workspace and seating, with a cozy dining area just off to the side. The split bedroom design ensures privacy, with the large primary suite boasting a walk-in closet and a spacious bathroom. Outside, you'll find a detached garage and carport, offering plenty of space for vehicles and storage. For outdoor enthusiasts, the property includes walking trails perfect for dirt biking or riding atvs, allowing you
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,373 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Deep Creek Conservation Areaabout 17 mi · 4.1 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 13 mi · St. Johns River
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $3,214/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $131/sq ft; this home is listed at $189/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 133 Fulton Road, Palatka, FL 32177Listed by NON MLS (realMLS) | Jan 2026 | $210,000 | $130 | 3/2 | 1,620 | 0 | 0.9 |
| 159 Keystone Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Apr 2026 | $170,000 | $121 | 3/2 | 1,404 | 128 | 1.3 |
| 113 Odom Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Aug 2025 | $191,500 | $161 | 3/1 | 1,188 | 25 | 2.1 |
| 115 Lake Street, Palatka, FL 32177Listed by NEXTHOME NEW BEGINNINGS | Jan 2026 | $220,000 | $131 | 3/2 | 1,676 | 45 | 2.3 |
| 117 East Street, Palatka, FL 32177Listed by IHEART REALTY INC | Dec 2025 | $200,000 | $134 | 3/2 | 1,493 | 12 | 2.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LPT REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 15, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines