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Sold·Closed Oct 30, 2025·4 days on market
308 Silver Lake Road
Palatka, FL 32177
About this home
Palatka
Have you been waiting on a great home on an amazing 1+ acre lot with a pool? Your wait is over! Don't miss this beautiful home that checks every box! Featuring an in-ground pool, lush landscaping, and a recent wood privacy fence, this backyard is a private retreat perfect for entertaining or relaxing. Inside, you'll find a semi-open floor plan with tile flooring in the main rooms. The large living area has a corner fireplace and nice views of the backyard. The updated kitchen boasts quartz countertops, stainless steel appliances, and ample cabinetry—ideal for any home chef. A breakfast nook and separate dining room offer plenty of space for hosting family and friends. A lovely primary suite has French doors leading to the back patio, and an attached bath with soaking tub, step-in shower and dual closets. Includes a 2 car attached garage as well as a detached garage with a 525 sq ft bonus room and office space—perfect for a home-based business, gym, guest area, or creative studio.
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 1992)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,208 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 park or preserve
Deep Creek Conservation Areaabout 16 mi · 4.1 mi of trails
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): $1,522/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 $186/sq ft; this home is listed at $244/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 101 Roberts Court, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTY | Apr 2026 | $351,500 | $211 | 3/2 | 1,663 | 247 | 0.1 |
| 647 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Sep 2026 | $328,990 | $182 | 4/2 | 1,812 | 53 | 0.6 |
| 701 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Sep 2026 | $314,990 | $187 | 4/2 | 1,684 | 50 | 0.6 |
| 106 Fenham Court, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Aug 2026 | $313,990 | $186 | 4/2 | 1,684 | 50 | 0.6 |
| 715 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Jun 2026 | $309,990 | $171 | 4/2 | 1,812 | 7 | 0.6 |
| 457 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Oct 2026 | $325,990 | $180 | 4/2 | 1,812 | 57 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES INC
Sold by: UNITED REAL ESTATE GALLERY (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 Oct 30, 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
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