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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

$470,000Sold5 bd · 5 ba · 3,648 sq ft

Sold·Closed Dec 12, 2025·419 days on market

116 Kirkland Street

Palatka, FL 32177

$470,000sold priceListed at $495,000 · 94.9% of asking$129/sqftMLS# 2047278
5
Beds
5
Baths
3,648
Sq Ft
1909
Built
2
Garage
No
Pool
No HOA11,326 sqft lotSingle Family Residence3 stories

About this home

Palatka

Incredible home with carriage house in the South Historic District! Enjoy views of the St Johns River from many vantage points in this beautifully updated former B & B. The main house features 4 bedrooms and 4 updated baths, high ceilings, nice molding/trim, gorgeous wood floors, and many charming original features. The first floor has a large living room, dining room with fireplace, primary suite with bath, laundry room, updated kitchen, and lovely breakfast room with fireplace. The second floor has an owner's suite with attached bath and access to a private veranda, two additional bedrooms and baths, Florida room/office, and large back deck with great views. The third floor is an open multi-purpose room. The carriage house has a 2 car garage, laundry room with bath and awesome upstairs 750+/- sq ft efficiency apartment with full kitchen, bath, and a private balcony. New roof on the carriage house. The possibilities are endless here, too much to list.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,562
Estimated total, before insurance$2,562/mo
  • • 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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): $9,290/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 $113/sq ft; this home is listed at $129/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
703 Emmett Street, Palatka, FL 32177Listed by DUCK REALTY INCMar 2026$315,000$1144/22,7582820.2
314 Madison Street, Palatka, FL 32177Listed by IHEART REALTY INCJun 2026$230,000$665/33,504220.5
223 Madison Street, Palatka, FL 32177Listed by IHEART REALTY INCApr 2026$339,000$1293/22,63630.5
417 N 3rd Street, Palatka, FL 32177Listed by DUCK REALTY INCAug 2025$265,000$865/4.53,076370.5
314 Madison Street, Palatka, FL 32177Listed by DUCK REALTY INCAug 2025$209,000$605/33,5041080.5
2011 Carr Street, Palatka, FL 32177Listed by COLDWELL BANKER PREMIER PROPERTIESDec 2025$305,000$1133/22,708701

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$495,000
Price / Sq Ft$136
Bedrooms5
Bathrooms5.00
Full Baths5
Square Footage3,648
Acres0.26 acres
Year Built1909
TypeResidential
Sub-TypeSingle Family Residence
StyleVictorian
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
HighPalatka, reported on 5 other Dicks Map listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address116 Kirkland Street, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionDicks Map
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size11,325.6 sq ft
Parcel Number421027685004700040
ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected
Water SourcePublic
ParkingDetached, Garage
ViewRiver

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen
AppliancesDishwasher, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingMulti Units
FlooringWood
FireplaceYes
# of Fireplaces2
# of Stories3
LevelsThree Or More

Exterior

Exterior FeaturesBalcony
Lot DescriptionHistoric Area
Patio / PorchCovered, Deck, Front Porch
FencingBack Yard, Other
ConstructionWood Siding
Road FrontageCity Street

Additional Information

Date ListedNovember 14, 2025
Days on Market419
Tax Amount$9,290.4
Tax Year2023
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER BEN BATES INC

Sold by: CARLISLE & CO. REAL ESTATE SERVICES (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

Krista Fracke

Broker Associate

This home sold on Dec 12, 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.

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