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Sold·Closed May 22, 2025·79 days on market
105 Harbor Farms Court
Palatka, FL 32177
About this home
Palatka
ASSUMABLE LOAN/SELLER FINANCING AVAILABLE!! INCREDIBLE DEAL!! MINIMAL MONTHLY PAYMENT! Looking for peace, privacy, and plenty of space? This 2-bedroom, 2-bathroom home in Palatka checks all the boxes! Nestled on 2.2 acres, this property offers a serene escape while keeping you close to town. Inside, you'll find a spacious open floor plan, a bright living area, and a well-appointed kitchen—perfect for hosting or just unwinding after a long day. Both bedrooms are generously sized, and the primary suite includes an en-suite bath for added convenience. Step outside and take in the beauty of your private pond, where you can relax, fish, or just enjoy the view. With plenty of room for a garden, outdoor activities, or even expansion, this property is full of possibilities. Don't miss your chance to own a slice of Florida's natural beauty—schedule your showing today! Home does not currently have central A/C however does have ducting and is ready for one!
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.
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 beach parking
Frank Butler Park Eastabout 20 mi · 84 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 9 mi · 4.1 mi of trails
Closest public boat ramp
McCullough Creek at County Road 13 Primitive Access (Not Recommended)about 4 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 11 mi · Saint Johns River
Closest grocery store
Publixabout 15 mi · 250 Plaza Blvd, Saint Augustine
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 $158/sq ft; this home is listed at $141/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 287 Tarpon Boulevard, Palatka, FL 32177Listed by MOMENTUM REALTY | Mar 2026 | $159,000 | $139 | 3/2 | 1,140 | 283 | 0.9 |
| 285 Tarpon Boulevard, Palatka, FL 32177Listed by IHEART REALTY INC | Feb 2026 | $159,000 | $139 | 3/2 | 1,140 | 265 | 0.9 |
| 115 Kingfish Avenue, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2025 | $185,000 | $162 | 3/2 | 1,144 | 3 | 0.9 |
| 137 Bonita Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $160,000 | $148 | 2/2 | 1,078 | 157 | 1 |
| 124 Sugar Plum Drive, Palatka, FL 32177Listed by WATSON REALTY CORP | Apr 2026 | $179,000 | $160 | 2/2 | 1,118 | 9 | 1.4 |
| 113 Retreat Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Feb 2026 | $150,000 | $158 | 2/2 | 952 | 222 | 1.4 |
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: MOMENTUM REALTY
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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 22, 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