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Sold·Closed Aug 29, 2025·218 days on market
1116 S 12th Street
Palatka, FL 32177
About this home
Palatka
Discover your next home on a beautifully landscaped 0.22-acre lot in the heart of Palatka! This 4-bedroom, 2-bathroom gem offers the perfect combination of comfort and convenience. The thoughtfully designed kitchen features a pass-through window to the living room, creating an open and airy flow perfect for entertaining. Step into the backyard, where you'll find a generous open space ready for your next gathering or outdoor activity. Enjoy the vibrant curb appeal and meticulously maintained landscaping that make this home truly stand out. Whether you're relaxing inside or hosting friends and family outdoors, this property offers endless possibilities. Conveniently located .8 of a mile from the Palatka city boat ramp to enjoy all the St. Johns River has to offer. Close to schools, shopping and only a 30 min drive to St. Augustine. This home will not last long make your appointment today!
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,617 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.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $1,718/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
- Jul 1, 2025Listed$199,900
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 $159/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1107 S 10th Street, Palatka, FL 32177Listed by MOMENTUM REALTY | Sep 2026 | $101,000 | $105 | 2/1 | 960 | 15 | 0.1 |
| 821 S 14th Street, Palatka, FL 32177Listed by STA REALTY | Sep 2026 | $220,000 | $165 | 4/2 | 1,330 | 8 | 0.3 |
| 610 S 14th Street, Palatka, FL 32177Listed by REAL BROKER LLC | Jun 2026 | $210,000 | $160 | 3/1 | 1,310 | 40 | 0.4 |
| 2025 Kate Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Aug 2026 | $204,500 | $159 | 3/1 | 1,290 | 33 | 0.5 |
| 621 S 18th Street, Palatka, FL 32177Listed by MOMENTUM REALTY | Aug 2026 | $228,000 | $158 | 3/2 | 1,440 | 30 | 0.5 |
| 621 S 18th Street, Palatka, FL 32177Listed by MOMENTUM REALTY | Mar 2026 | $60,000 | $42 | 3/2 | 1,440 | 3 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IHEART REALTY INC
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 Aug 29, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines