No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed May 29, 2026·366 days on market
103 Stephanie Street
Palatka, FL 32177
About this home
Palatka
One of a kind! Custom-built, pool home is located within minutes of the hospital. It sits on .57 acres and features: 3 bedrooms 2 bathrooms, two-car garage ,engineered Bamboo flooring throughout with tile in the bathrooms, vaulted ceilings, Electrical fireplace, custom indoor plantation shutters, window reading nook, and upgrade master closet. Access the inviting screened-in pool area directly form the master suite or the kitchen/dinning area. Beautifully updated and meticulously maintained home, offering privacy, comfort, and functionality both inside and out. The kitchen has been upgraded with additional cabinetry, quartz countertops, a stylish backsplash, a new sink, modern faucets, and a garbage disposal. Enjoy upgraded LED ceiling lighting, a cozy electric fireplace, and new ceiling fans throughout the home. A brand-new 22x24 detached garage was added, featuring a hip roof, 12' wide garage door with windows, insulation, and an attached 6x24 covered porch with ladder access—ideal
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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,732 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 14 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 $162/sq ft; this home is listed at $226/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 118 W Camelot Drive -, Palatka, FL 32177Listed by EXP REALTY LLC | Jul 2026 | $370,000 | $206 | 3/2 | 1,800 | 138 | 0.1 |
| 117 Horseman Club Road, Palatka, FL 32177Listed by IHEART REALTY INC | Apr 2026 | $294,900 | $160 | 3/2 | 1,838 | 188 | 0.3 |
| 229 Davis Lake Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | May 2026 | $399,900 | $145 | 4/2.5 | 2,760 | 177 | 0.7 |
| 113 E Rellim Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Aug 2026 | $287,000 | $137 | 4/3 | 2,094 | 65 | 1.1 |
| 101 Roberts Court, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTY | Apr 2026 | $351,500 | $211 | 3/2 | 1,663 | 247 | 1.2 |
| 166 Slaughter Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Feb 2026 | $400,000 | $162 | 2/2 | 2,466 | 50 | 1.2 |
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: EAZ REALTY LLC
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.
Keep looking
More homes in Colonial Pines
For Sale100 Sherri LanePalatka, FL 32177
4 bd · 4 ba · 3,119 sq ft
$499,900Est. $2,661/moEnjoy the space, flexibility, and comfort this beautiful brick home has to offer! With over 3,100 sq. ft. of living…
Listing Office: coldwell banker ben bates inc
For Sale148 Latesha TerracePalatka, FL 32177
4 bd · 2 ba · 2,500 sq ft
$414,900Est. $2,208/moBuild your dream home with the Sternere Group in Colonial Pines! One of the last lots remaining in this…
Listing Office: anchor realty jax
For RentLease
3811 N English Colony Drive NJacksonville, FL 32257
3 bd · 2.5 ba · 1,241 sq ft
$2,100/moGreat Mandarin location close to schools, shopping and easy access to highways. Three bedrooms, 21/2 baths, dining…
Listing Office: the property manager
For RentLease
3844 English Colony Drive NJacksonville, FL 32257
3 bd · 2 ba · 1,314 sq ft
$1,995/moWelcome to this well-maintained three-bedroom, two-bath home in the desirable Mandarin area! The bright kitchen offers…
Listing Office: profitable property realty llc
Keep looking
Similar homes in Palatka
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 29, 2026. 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