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Sold·Closed Apr 30, 2026·351 days on market
120 Shaggy Lane
Palatka, FL 32177
About this home
Palatka
Price to sell, cash only. 4BR/2BA doublewide on a paved road sits on a mostly cleared 1 acre lot w/fenced back yard, 4-stall dog pen w/concrete floor, electric & water and a detached 2-car carport. The home features both living and family rooms, an eat-in, island kitchen w/closet pantry, flat surface stove & ample counter space. The master suite offers his & hers sinks, garden tub & separate stall shower. Definitely worth a look see. In need of fixing up. No interior pictures are available.
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 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,483 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
Frank Butler Park Eastabout 20 mi · 84 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 8 mi · 4.1 mi of trails
Closest public boat ramp
McCullough Creek at County Road 13 Primitive Access (Not Recommended)about 6 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 13 mi · Saint Johns River
Closest grocery store
Publixabout 16 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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
2025 property taxes (current owner): $2,638/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 $144/sq ft; this home is listed at $63/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 107 Everett Street, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Dec 2025 | $215,000 | $137 | 3/2 | 1,568 | 84 | 0.2 |
| 105 Everett Street, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2025 | $223,700 | $143 | 3/2 | 1,568 | 12 | 0.2 |
| 450 West River Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Feb 2026 | $176,000 | $95 | 3/2 | 1,857 | 5 | 0.9 |
| 119 Rivers Edge Drive, East Palatka, FL 32131Listed by COLDWELL BANKER PREMIER PROPERTIES | Jan 2026 | $620,000 | $351 | 2/2 | 1,766 | 501 | 1.7 |
| 330 Millican Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Aug 2025 | $285,000 | $144 | 3/2 | 1,984 | 333 | 1.7 |
| 404 County Road 207A, East Palatka, FL 32131Listed by ENDLESS SUMMER REALTY | Oct 2025 | $255,000 | $189 | 3/2 | 1,352 | 59 | 1.8 |
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: COLDWELL BANKER BEN BATES 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 30, 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?
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines