Sold·Closed Oct 2, 2026·565 days on market
127 Mellon Road
Palatka, FL 32177
About this home
Palatka
Discover the potential of this spacious home, perfectly located with convenient access to shopping and schools. With a little TLC, you can transform this property into the dream home you've always envisioned. Don't miss this opportunity.
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1970)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0040061 - Palatka WWTF · Public water (record)
County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,639 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 homeAs of July 2026, this 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 13 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 12 mi · St. Johns River - Deep Creek
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): $2,676/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.
History
Price & status history
- Oct 5, 2026Closed$150,000
- Aug 5, 2026Active Under Contract$150,000
- Jun 24, 2026Listed$150,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $165/sq ft; this home is listed at $104/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3615 Weaver Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Oct 2026 | $270,000 | $180 | 3/2 | 1,500 | 370 | 0.4 |
| 120 E Oak Hill Drive, Palatka, FL 32177Listed by LANTERN REALTY, LLC. | Jul 2026 | $199,900 | $165 | 3/1 | 1,210 | 69 | 0.7 |
| 2418 Alice Street, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | May 2026 | $200,000 | $139 | 4/2.5 | 1,434 | 168 | 0.7 |
| 341 Alabama Avenue, Palatka, FL 32177Listed by BEACH STATE REALTY | May 2026 | $315,000 | $186 | 4/3 | 1,696 | 129 | 0.8 |
| 111 Elm Avenue, Palatka, FL 32177Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $153,000 | $120 | 4/1 | 1,270 | 68 | 0.9 |
| 3225 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $262,000 | $147 | 3/2 | 1,781 | 11 | 0.9 |
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
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Sold by: TIMBER TO TIDES REALTY LLC (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 2, 2026. 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