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Sold·Closed Oct 7, 2025·306 days on market
126 Shady Trail
Palatka, FL 32177
About this home
Palatka
One or more photo(s) has been virtually staged. ***MAJOR PRICE REDUCTION!!! TWO PARCELS totaling near **11.39 ACRES**. It is packed with extras that make it truly one of a kind. You'll find a stunning **Florida room** with glass windows an ideal resting area to relax with a good book, a hot cup of tea or even to welcome the loved ones. Inside, barn-sliding doors, an oversized 2-car garage, and impact glass exterior windows add modern convenience and peace of mind. The layout is designed for versatility: a cozy library can double as a bedroom, and there's an office-craft room-bedroom setup with an attached bath in the garage area. Practical touches include a closet entry for easy plumbing access, cement ramps at the front door and garage for accessibility, and a Utilatub in the garage. For extra storage, enjoy ledges above the closets, leaf-guard gutters around the entire roof, and a tankless water heater for efficiency.
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 2013)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,704 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 park or preserve
Deep Creek Conservation Areaabout 19 mi · 4.1 mi of trails
Closest public boat ramp
Williams Park Boat Rampabout 13 mi · St. Johns River
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 13 mi · Little Lake Johnson
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
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:34 AM, sunset 6:48 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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): $5,237/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 $130/sq ft; this home is listed at $167/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 204 Comer Road, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Jan 2026 | $345,000 | $218 | 3/2 | 1,583 | 77 | 1.5 |
| 210 Comer Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Jun 2025 | $206,000 | $116 | 4/2 | 1,782 | 20 | 1.6 |
| 159 Keystone Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Apr 2026 | $170,000 | $121 | 3/2 | 1,404 | 128 | 2.2 |
| 137 Doe Trail, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | May 2026 | $330,000 | $255 | 3/2 | 1,296 | 36 | 2.4 |
| 176 Harvey Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Oct 2025 | $169,900 | $118 | 3/2 | 1,440 | 32 | 2.5 |
| 133 Fulton Road, Palatka, FL 32177Listed by NON MLS (realMLS) | Jan 2026 | $210,000 | $130 | 3/2 | 1,620 | 0 | 2.6 |
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: EXP REALTY LLC
Sold by: MOMENTUM REALTY (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 Oct 7, 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