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Sold

Sold·Closed Aug 7, 2025·5 days on market

209 N 7th Street

Palatka, FL 32177

$169,900sold priceListed at $169,900 · 100% of asking$185/sqftMLS# 2092810
2
Beds
1
Baths
916
Sq Ft
1925
Built
—
Garage
No
Pool
No HOA3,049 sqft lotSingle Family Residence1 story

About this home

Palatka

Adorable, newly updated in Every Way. Roof replaced in 2021, but 2023 & 2024 there is new plumbing, electrical, walls, floorings, kitchen, bath, hvac system, and siding. Big beautiful bathroom. Carport for your vehicle & a side driveway for the boat, or other toys in the backyard. Sellers were very meticulous in their remodel. Home is 100 years old this year, but most of her has been replaced. Owners have pics of every step of the remodel. New water heater, refrigerator, stove, microwave. Laundry/Utility inside. All permits are online. FHA AND VA Buyers accepted! St Johns River is only half a mile down the road, shopping and entertainment all in walking distance. Very convenient to all of Palatka's festivals and entertainment

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$941
Estimated total, before insurance$941/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,869/yr · $156/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$169,900
$33,980
Loan Term
Monthly Payment
$941
Principal & Interest: $941
Insurance (est.): $113
Estimated Total Monthly
$1,054
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,661 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,869/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 $153/sq ft; this home is listed at $185/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
708 Madison Street, Palatka, FL 32177Listed by BEACH STATE REALTYAug 2026$190,000$1903/21,002240.1
711 Madison Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCJul 2026$219,888$1903/21,155850.1
512 N 5th Street, Palatka, FL 32177Listed by DUCK REALTY INCMay 2025$50,000$482/11,0501280.3
1317 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INCJul 2026$55,000$533/11,045170.6
1319 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INCJun 2026$80,000$714/21,12130.6
1510 Laurel Street, Palatka, FL 32177Listed by EAGLES WORLD REALTY, INCFeb 2026$165,000$1533/11,080680.6

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$169,900
Price / Sq Ft$185
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage916
Total Structure Area939 sq ft
Acres0.07 acres
Year Built1925
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address209 N 7th Street, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionDicks Map
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size3,049.2 sq ft
Lot Dimensions43.4 X 100.35
Parcel Number421027685003600022

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Carport

Interior

AppliancesDishwasher, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric, Split System
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Patio / PorchCovered, Front Porch
FencingBlock, Chain Link, Vinyl
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 12, 2025
Days on Market5
Tax Amount$1,869.27
Tax Year2024
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NUVIEW REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 7, 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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