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Sold·Closed Aug 7, 2025·5 days on market
209 N 7th Street
Palatka, FL 32177
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.
- • 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: 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 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.
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 708 Madison Street, Palatka, FL 32177Listed by BEACH STATE REALTY | Aug 2026 | $190,000 | $190 | 3/2 | 1,002 | 24 | 0.1 |
| 711 Madison Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Jul 2026 | $219,888 | $190 | 3/2 | 1,155 | 85 | 0.1 |
| 512 N 5th Street, Palatka, FL 32177Listed by DUCK REALTY INC | May 2025 | $50,000 | $48 | 2/1 | 1,050 | 128 | 0.3 |
| 1317 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INC | Jul 2026 | $55,000 | $53 | 3/1 | 1,045 | 17 | 0.6 |
| 1319 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INC | Jun 2026 | $80,000 | $71 | 4/2 | 1,121 | 3 | 0.6 |
| 1510 Laurel Street, Palatka, FL 32177Listed by EAGLES WORLD REALTY, INC | Feb 2026 | $165,000 | $153 | 3/1 | 1,080 | 68 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Your Local Realtor

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.

Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines







