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Sold·Closed Nov 6, 2025·151 days on market
140 W St Johns Terrace
East Palatka, FL 32131
About this home
East Palatka
New Roof! 3BR/2BA concrete block home in established East Palatka subdivision. Features include open kitchen/dining area, separate formal dining room, wood burning fireplace, large master bedroom with walk in shower, screened back porch, storage building in back yard, attached carport, tankless gas hot water heater, gas cooktop and gas dryer. Easy commute to St Augustine via State Road 207, and just a couple of minutes to downtown Palatka. New roof July 2025, HVAC approx 6 years old. 4 PT inspection on file.
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 (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: Other — year not disclosed (home built 1964)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,724 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 beach parking
Spyglass beach accessabout 23 mi · 23 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 10 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 9 mi · St. Johns River - Deep Creek
Closest grocery store
Aldiabout 20 mi · 181 Blackford Way, St. 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $821/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 $147/sq ft; this home is listed at $148/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 226 River Drive, East Palatka, FL 32131Listed by HERRON REAL ESTATE LLC | Jul 2026 | $245,000 | $134 | 4/2 | 1,835 | 83 | 0.1 |
| 228 River Drive, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INC | Dec 2025 | $255,000 | $147 | 3/2 | 1,734 | 57 | 0.2 |
| 115 Sunset Point Road, East Palatka, FL 32131Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $530,000 | $332 | 3/2 | 1,596 | 16 | 0.5 |
| 200 Maryland Avenue, East Palatka, FL 32131Listed by US REALTY HUB | Dec 2025 | $269,900 | $176 | 3/2 | 1,536 | 101 | 0.5 |
| 105 Old Cherry Lane, East Palatka, FL 32131Listed by DUCK REALTY INC | Nov 2025 | $165,000 | $120 | 2/2 | 1,377 | 4 | 0.7 |
| 224 Louis Broer Road, East Palatka, FL 32131Listed by MAXREV, LLC | Jul 2026 | $52,000 | $47 | 0/0 | 1,108 | 1 | 0.8 |
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: FLORIDA HOMES REALTY & MTG LLC
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 Nov 6, 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines