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Sold·Closed May 23, 2025·44 days on market
361 E Peniel Road
Palatka, FL 32177
About this home
Palatka
Welcome to this inviting ranch-style home, nestled on nearly 4 acres. This home offers 4 spacious bedrooms and 3 bathrooms, featuring a double-sided fireplace that connects the family and dining rooms. Outside, you'll find a 16 x 30 workshop and a pole barn, perfect for hobbies or animals. Zoned for agriculture, the possibilities are endless. Relax on the covered back patio with a fire pit, leading to a private 1-bedroom, 1-bathroom mother-in-law suite with a kitchenette, ideal for guests or extended family. Recent updates include 2 tankless gas hot water heaters and the A/C was installed in 202, and also has a whole-house generator. The home will need some updating and is being sold as is. Call listing agent Rachel McNeal to schedule a tour 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.
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 1954)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,530 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 17 mi · 4.1 mi of trails
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 $213/sq ft; this home is listed at $127/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 116 Karen Court, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Aug 2025 | $375,000 | $176 | 4/3 | 2,132 | 97 | 0.5 |
| 107 Dinkla Lane, Palatka, FL 32177Listed by NORTH FLORIDA REAL ESTATE PARTNERS INC | Aug 2025 | $485,000 | $225 | 3/3 | 2,160 | 249 | 0.6 |
| 128 Dinkla Lane, Palatka, FL 32177Listed by LPT REALTY LLC | Jun 2025 | $532,700 | $223 | 3/2.5 | 2,392 | 130 | 0.7 |
| 1427 S State Road 19, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $290,000 | $127 | 4/2 | 2,280 | 99 | 1 |
| 166 Slaughter Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Feb 2026 | $400,000 | $162 | 2/2 | 2,466 | 50 | 1.6 |
| 122 Raintree Woods Trail, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Oct 2025 | $505,000 | $213 | 4/3 | 2,367 | 96 | 1.8 |
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: MOMENTUM REALTY
Sold by: COLDWELL BANKER BEN BATES INC (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 23, 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.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines