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Sold·Closed Jun 13, 2025·225 days on market
103 Margarita Road
East Palatka, FL 32131
About this home
East Palatka
Located in the sought-after East Palatka area, this home is just a 9-minute drive to a boat ramp on the St. John's River. With a double driveway and covered carport, there's plenty of space for an RV or boat. NO HOA. This property is on an OWNED LOT not leased=no lot fees. The backyard features an attached shed and a deck. New Air-conditioner installed Sept 24 New Hot-Water Heater installed Nov 24 New Whole House Water Filtration system installed Nov 24 Open to Seller Financing This charming 2-bedroom, 2-bath home has been recently renovated to be completely move in ready. Enjoy cooking in the updated kitchen features new stainless steel appliances (including the refrigerator) cabinets and counters. Additional updates include new fixtures in both bathrooms, new screens on the front porch, LVP flooring throughout, updated closet shelving, new light fixtures, fresh paint, and more. Completely move in ready
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: Metal — year not disclosed (home built 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,546 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
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 beach parking
Crescent Beach Parkabout 19 mi · 104 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 7 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 5 mi · St. Johns River - Deep Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 15 mi · Saint Johns River
Closest grocery store
Publixabout 16 mi · 250 Plaza Blvd, Saint Augustine
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.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $465/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 $189/sq ft; this home is listed at $139/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 114 N Geraldo Road, East Palatka, FL 32131Listed by ARMANI'S INTERNATIONAL REAL ESTATE | Jun 2026 | $97,000 | $67 | 3/2 | 1,440 | 20 | 0.1 |
| 156 Cypress Point Circle, East Palatka, FL 32131Listed by TIMBER TO TIDES REALTY LLC | Nov 2025 | $220,000 | $212 | 3/2 | 1,040 | 45 | 1.4 |
| 404 County Road 207A, East Palatka, FL 32131Listed by ENDLESS SUMMER REALTY | Oct 2025 | $255,000 | $189 | 3/2 | 1,352 | 59 | 1.4 |
| 102 River Road Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Dec 2025 | $180,000 | $173 | 2/1.5 | 1,040 | 118 | 1.8 |
| 124 E Grandview Drive, East Palatka, FL 32131Listed by MOMENTUM REALTY | Jul 2026 | $234,900 | $166 | 3/2 | 1,416 | 295 | 2.1 |
| 111 E Grandview Drive, East Palatka, FL 32131Listed by YOUR CHOICE REAL ESTATE | May 2025 | $283,000 | $215 | 3/2 | 1,319 | 44 | 2.1 |
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: UNITED REAL ESTATE GALLERY
Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE (buyer's brokerage)
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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 13, 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