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Sold·Closed Mar 16, 2026·146 days on market
412 Madison Street
Palatka, FL 32177
About this home
Palatka
Welcome to this beautiful, historic home, perfectly situated across from Fred Green Park in Palatka's North Historic District. Blending timeless character with modern updates, this property features fresh interior and exterior paint, all-new plumbing, a newly built patio ideal for outdoor living, and has just been professionally cleaned. Double entry doors open into a bright, light-filled interior that highlights the home's inviting charm. Recent upgrades also include a brand new range, adding to the home's modern convenience. With attractive curb appeal, a welcoming yard, and thoughtful updates throughout, this residence offers the best of historic Palatka living tailored for today's lifestyle. This home qualifies for a state grant that is fully forgiven after 5 years, eligible buyers can use toward down payment and/or closing costs. Ask the listing agent for details and connect with the preferred lender to learn more about available assistance.
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 — year not disclosed (home built 1921)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,729 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): $2,220/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 $190/sq ft; this home is listed at $128/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 719 Olive Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Sep 2026 | $246,990 | $191 | 3/2 | 1,290 | 137 | 0.2 |
| 708 Madison Street, Palatka, FL 32177Listed by BEACH STATE REALTY | Aug 2026 | $190,000 | $190 | 3/2 | 1,002 | 24 | 0.2 |
| 711 Madison Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Jul 2026 | $219,888 | $190 | 3/2 | 1,155 | 85 | 0.2 |
| 306 S 14th Street, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $285,000 | $183 | 3/2 | 1,557 | 12 | 0.8 |
| 1317 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INC | Jul 2026 | $55,000 | $53 | 3/1 | 1,045 | 17 | 0.8 |
| 1319 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INC | Jun 2026 | $80,000 | $71 | 4/2 | 1,121 | 3 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BEACH STATE 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 Mar 16, 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
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