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Sold·Closed Sep 18, 2025·24 days on market
102 Fernwood Street
Palatka, FL 32177
About this home
Palatka
This well-maintained home offers practical updates, including a new roof in 2021 and HVAC and electrical upgrades completed in 2022, providing peace of mind. Inside, modest enhancements create a comfortable, lived-in feel that's easy to make your own. A screened-in porch offers a shaded place to unwind, while the carport provides covered parking or flexible utility space. Situated on a corner lot, the property also features a spacious backyard with plenty of space to enjoy. Located in the heart of Palatka, this home is central to shopping, the historic downtown area, community events, and the beautiful Palatka Riverfront—with easy access to Gainesville and St. Augustine.
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 — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,701 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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): $2,918/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.
History
Price & status history
- Jul 19, 2025Listed$184,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $165/sq ft; this home is listed at $188/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 113 W Oak Hill Drive, Palatka, FL 32177Listed by RE/MAX SPECIALISTS | Apr 2026 | $165,000 | $194 | 2/1 | 849 | 187 | 0.2 |
| 120 E Oak Hill Drive, Palatka, FL 32177Listed by LANTERN REALTY, LLC. | Jul 2026 | $199,900 | $165 | 3/1 | 1,210 | 69 | 0.3 |
| 2213 Gillis Street, Palatka, FL 32177Listed by SMILEEHOUSE AUCTION CO LLC | Nov 2025 | $79,000 | $83 | 2/1 | 952 | 7 | 0.3 |
| 2205 Diana Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2025 | $162,000 | $164 | 2/1 | 990 | 28 | 0.3 |
| 3201 Weaver Road, Palatka, FL 32177Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $136,500 | $137 | 2/1 | 997 | 15 | 0.5 |
| 3209 Weaver Road, Palatka, FL 32177Listed by KELLER WILLIAMS ST JOHNS | May 2025 | $180,000 | $195 | 3/1 | 924 | 8 | 0.5 |
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: 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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 18, 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