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Sold·Closed May 5, 2025·60 days on market
102 Round Lake Circle
Palatka, FL 32177
About this home
Palatka
This spacious 4-bedroom, 2.5-bath home has over 2,800 square feet of living space and is perfectly situated on a beautifully landscaped 1-acre lot in the sought-after Round Lake community. The exterior features a newer metal roof and dual-zone HVAC systems, ensuring comfort and efficiency all year long. A side-entry 2-car garage, circular driveway, and fully fenced, oversized backyard enhances the property's appeal. The backyard also includes a nicely landscaped pond and a large utility building, providing both functionality and charm. Inside, the home welcomes you with a formal living room and an elegant formal dining room, perfect for entertaining. The spacious eat-in kitchen features a prep island, making it ideal for meal preparation and gatherings. Adjacent to the kitchen, the family room with a cozy gas fireplace offers a warm and inviting space for relaxation. The owner's suite is truly impressive, with a private entrance to the glass-enclosed, heated, and cooled Florida Room
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 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,688 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 16 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 15 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.
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 $155/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 103 Stephanie Street, Palatka, FL 32177Listed by EAZ REALTY LLC | May 2026 | $489,000 | $211 | 3/3 | 2,320 | 366 | 0.2 |
| 117 Timber Lane, Palatka, FL 32177Listed by DUCK REALTY INC | Aug 2025 | $260,000 | $130 | 3/2 | 2,004 | 50 | 0.6 |
| 114 E Camelot Drive, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTY | May 2025 | $530,265 | $155 | 4/3.5 | 3,412 | 46 | 0.6 |
| 229 Davis Lake Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | May 2026 | $399,900 | $145 | 4/2.5 | 2,760 | 177 | 0.8 |
| 100 Redbud Woods Trail, Palatka, FL 32177Listed by BEACH STATE REALTY | Sep 2025 | $420,000 | $165 | 4/3.5 | 2,546 | 83 | 0.9 |
| 103 Point Of Woods Trail, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | May 2025 | $350,000 | $150 | 3/2 | 2,339 | 149 | 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
Exterior
Additional Information
Listing Courtesy of: TIMBER TO TIDES REALTY LLC
Sold by: NON MLS (realMLS) (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 May 5, 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