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Sold

Sold·Closed May 23, 2025·13 days on market

120 Pine Cone Trail

Palatka, FL 32177

$299,000sold priceListed at $299,000 · 100% of asking$191/sqftMLS# 2079185
3
Beds
2
Baths
1,568
Sq Ft
2007
Built
—
Garage
No
Pool
No HOA2.33 acresSingle Family Residence1 story

About this home

Palatka

Welcome to this beautifully updated 3-bedroom, 2-bathroom home situated on 2.33 acres of peaceful, fully fenced land. This property offers the perfect blend of comfort and functionality with modern updates throughout. Enjoy outdoor living with a spacious covered patio, ideal for relaxing or entertaining. The home also features a convenient carport, ensuring your vehicles are protected. For added peace of mind, the property is wired for a home generator, ensuring you're prepared for any situation. With plenty of room to spread out and make it your own, this home is an exceptional find in a serene setting.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,656
Estimated total, before insurance$1,656/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,301/yr · $358/mo
  • • 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 (that applies to the reference bill above too).

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 2007)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,640 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 home

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.

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

2024 property taxes (current owner): $4,301/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.

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 $162/sq ft; this home is listed at $191/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
138 Pine Cone Trail, Palatka, FL 32177Listed by CENTURY 21 INTEGRAJul 2026$295,000$1623/21,824160.2
100 Jack Road, Palatka, FL 32177Listed by REMI REALTY, LLCJul 2025$315,000$2323/21,3591270.2
154 Old Airport Estates Road, Palatka, FL 32177Listed by KELLER WILLIAMS FIRST COAST REALTYJul 2025$169,000$1303/21,29620.3
130 Price Street, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCAug 2026$110,000$763/21,440911.1
138 Bostwick Cemetery Road, Palatka, FL 32177Listed by NATALE REALTORSMay 2026$360,500$2393/21,511121.7

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

Price$299,000
Price / Sq Ft$191
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,568
Acres2.33 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
MiddleJenkins, reported on 2 other Metes & Bounds listings
HighPalatka, reported on 2 other Metes & Bounds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address120 Pine Cone Trail, Palatka, FL 32177
Area562-Bardin/West Bostwick
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size101,494.8 sq ft
Parcel Number240826000000800290

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport

Interior

Interior FeaturesPantry, Split Bedrooms
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories1

Exterior

Patio / PorchCovered, Patio
RoofMetal

Additional Information

Date ListedApril 2, 2025
Days on Market13
Tax Amount$4,301.29
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

Sold by: RISE REALTY ADVISORS, 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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Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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