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Sold·Closed Mar 16, 2026·147 days on market
1403 Prospect Street
Palatka, FL 32177
About this home
Palatka
This house comes with a REDUCED RATE as low as 4.99% (APR 5.431%) as of 01/29/2026 through List & Lock™. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. 3-bedroom, 2-bath wonderland—remodeled to dazzle! Nestled on a corner lot, concrete driveway and a fenced backyard, this beauty boasts tiled floors and brand-new luxury vinyl in the bedrooms. The cozy family room is an ideal gathering place, featuring a charming window bench seat with built-in storage. This clever addition is both practical and stylish, offering extra space to store blankets, games, or anything else you might need. The outside has been freshly painted and has a metal roof. A concrete patio to enjoy your evenings while watching the kids or grandkids play in the fenced backyard. Enjoy peace of mind with the whole house water filter system. Ice maker not hooked up.
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 — year not disclosed (home built 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,534 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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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): $2,581/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 $180/sq ft; this home is listed at $170/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2312 Silver Lake Drive, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $190,000 | $190 | 3/1 | 1,000 | 9 | 0.1 |
| 1413 Cleveland Ave Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jun 2026 | $292,500 | $180 | 4/2 | 1,627 | 233 | 0.1 |
| 2027 Kate Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $208,500 | $200 | 3/2 | 1,045 | 67 | 0.2 |
| 2025 Kate Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Aug 2026 | $204,500 | $159 | 3/1 | 1,290 | 33 | 0.2 |
| 1820 Roselle Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jun 2026 | $175,000 | $124 | 2/1.5 | 1,415 | 34 | 0.4 |
| 1814 Locust Avenue, Palatka, FL 32177Listed by SUPREME PATH BROKERAGE LLC | Aug 2026 | $165,000 | $155 | 3/1 | 1,063 | 85 | 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: COLDWELL BANKER BEN BATES 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 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