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Sold·Closed Oct 15, 2025·96 days on market
122 Raintree Woods Trail
Palatka, FL 32177
About this home
Palatka
Wonderful property on one of the largest lots in Point of Woods with guest house and room for your horses! This 4 bedroom 3 bath brick home on 2.75 acres offers the perfect blend of living in a neighborhood close to everything, while also enjoying the peace and quiet of living in the country. The main house has been lovingly maintained and updated over the years by the original owners. From the front courtyard, you'll enter into an oversized living room with vaulted ceiling, wood-burning stove, and French doors leading to the amazing backyard. The spacious owner's suite includes a remodeled bath with dual sinks, an accessible shower, and a solid concrete safe room/closet. A 2nd master suite has updated bath with walk in shower and two additional guest rooms share a hall bath. Outside you'll enjoy the expansive views, many shade trees, and several areas for horses. A huge barn offers 1200 sq ft of storage and workshop space and has an attached 1 BR 1 bath guest house with kitchen.
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: Metal — year not disclosed (home built 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,528 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 15 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $2,168/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 $182/sq ft; this home is listed at $220/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5108 Silver Lake Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jun 2026 | $375,000 | $182 | 4/3 | 2,062 | 9 | 0.5 |
| 113 E Rellim Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Aug 2026 | $287,000 | $137 | 4/3 | 2,094 | 65 | 0.6 |
| 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 |
| 118 W Camelot Drive -, Palatka, FL 32177Listed by EXP REALTY LLC | Jul 2026 | $370,000 | $206 | 3/2 | 1,800 | 138 | 1.1 |
| 101 Lisa Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $365,000 | $167 | 4/2 | 2,182 | 31 | 1.2 |
| 103 Stephanie Street, Palatka, FL 32177Listed by EAZ REALTY LLC | May 2026 | $489,000 | $211 | 3/3 | 2,320 | 366 | 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: COLDWELL BANKER BEN BATES INC
Sold by: BEACH STATE REALTY (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
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 15, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines