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Sold·Closed Feb 13, 2026·222 days on market
113 Retreat Lane
Palatka, FL 32177
About this home
Palatka
This waterfront home, located on a canal is just a stone's throw away from the St. Johns River. With over 180' of canal front you can fish from the bank and enjoy the water views. Inside you will find a spacious open floor plan with cedar trim beams, a gas fireplace, and an interior laundry room. Modern amenities include double-pane windows, a tankless water heater, and a metal roof. Bathrooms have updated vanities and tile floors. Cedar trim on doors, baseboards, and beams throughout the home. A screened front porch provides year-round enjoyment. Nearby is a public boat ramp, and the home has a large rear deck overlooking the canal. Additional features include a storage/workshop building with electric, partially fenced property, a covered boat lift, bulkhead, a cement slab for parking, and a camper RV hookup. Home is being sold ''As Is''.
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 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,621 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 beach parking
Minnie Stabout 18 mi · 20 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 9 mi · 4.1 mi of trails
Closest public boat ramp
McCullough Creek at County Road 13 Primitive Access (Not Recommended)about 3 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 10 mi · Saint Johns River
Closest grocery store
Publixabout 13 mi · 250 Plaza Blvd, Saint Augustine
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): $793/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 $148/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 124 Sugar Plum Drive, Palatka, FL 32177Listed by WATSON REALTY CORP | Apr 2026 | $179,000 | $160 | 2/2 | 1,118 | 9 | 0.1 |
| 234 Cedar Creek Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | May 2025 | $595,000 | $496 | 2/2 | 1,200 | 267 | 0.1 |
| 137 Bonita Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $160,000 | $148 | 2/2 | 1,078 | 157 | 0.4 |
| 287 Tarpon Boulevard, Palatka, FL 32177Listed by MOMENTUM REALTY | Mar 2026 | $159,000 | $139 | 3/2 | 1,140 | 283 | 0.6 |
| 285 Tarpon Boulevard, Palatka, FL 32177Listed by IHEART REALTY INC | Feb 2026 | $159,000 | $139 | 3/2 | 1,140 | 265 | 0.6 |
| 278 Harbor Drive, Palatka, FL 32177Listed by MOMENTUM REALTY | Jun 2026 | $142,000 | $117 | 2/2 | 1,216 | 38 | 0.7 |
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: IHEART REALTY 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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Feb 13, 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