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Sold·Closed Aug 22, 2025·73 days on market
135 Underwood Drive
Palatka, FL 32177
About this home
Palatka
Motivated Seller for this Beautiful 4-Bedroom, 2-Bath Home boasting 2,164 sq. Ft. The spacious great room features soaring cathedral ceilings, exposed wood beams, a beautiful brick fireplace, and custom built-in shelving, creating a warm and inviting atmosphere perfect for entertaining or relaxing. The Kitchen has updated appliances ,quartz countertops all installed in the last year .Just outside is a quiet secluded screened in porch with brick patio, ideal for outdoor dining and gatherings. Additional highlights hot tub, storage shed with a/c unit, new roof 2023, new water softener, new custom blinds. This home is conveniently located close to schools, shopping and everyday amenities.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,658 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $3,341/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 $189/sq ft; this home is listed at $145/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 104 W Flamingo Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Feb 2026 | $290,000 | $149 | 3/2 | 1,951 | 218 | 0.1 |
| 137 Crestview Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Nov 2025 | $525,300 | $189 | 4/4.5 | 2,784 | 29 | 0.1 |
| 3222 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $298,000 | $123 | 3/2 | 2,413 | 0 | 0.2 |
| 171 Estates Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $455,000 | $200 | 4/3 | 2,272 | 29 | 0.2 |
| 3225 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $262,000 | $147 | 3/2 | 1,781 | 11 | 0.2 |
| 265 Crestview Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $442,500 | $195 | 4/3 | 2,272 | 48 | 0.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IHEART REALTY INC
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 Aug 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines