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Sold

Sold·Closed Apr 2, 2026·124 days on market

117 Jack Road

Palatka, FL 32177

$285,000sold priceListed at $295,000 · 96.6% of asking$125/sqftMLS# 2115827
4
Beds
3
Baths
2,280
Sq Ft
2007
Built
—
Garage
No
Pool
No HOA2.33 acresWaterfrontManufactured Home1 story

About this home

Palatka

Country Living on Over 2 Acres with Pond & Bonus Space! Welcome to your peaceful escape in Palatka, Florida! Nestled on 2.33 private acres, this spacious 4-bedroom, 3-bath home offers over 2,200 square feet of living space with a flexible split floor plan and large bonus room—perfect for a home office, game room, or additional living area. The heart of the home features an open kitchen with a bar and eat-in dining space, flowing seamlessly into the main living areas—ideal for entertaining or relaxing with family. Step outside and enjoy the fresh country air from your front deck or back porch, overlooking your very own pond. With no HOA restrictions, there's plenty of room for all your hobbies and toys. A large storage shed and metal truck container provide ample space for tools, equipment, or even a workshop setup. The home runs on well and septic, complete with an owned water purification system.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,579
Estimated total, before insurance$1,579/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,759/yr · $313/mo
  • • 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 2007)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,640 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 home

This 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.

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): $3,759/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 $129/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
138 Pine Cone Trail, Palatka, FL 32177Listed by CENTURY 21 INTEGRAJul 2026$295,000$1623/21,824160.2
143 Pine Cone Trail, Palatka, FL 32177Listed by CHAD AND SANDY REAL ESTATE GROUPFeb 2026$265,000$1124/22,35640.2
135 Pine Cone Trail, Palatka, FL 32177Listed by PURSUIT REAL ESTATE, LLCAug 2025$295,000$1444/22,052470.2
138 El Prado Court, Palatka, FL 32177Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYMar 2026$292,500$1394/22,09752.7

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

Price$295,000
Price / Sq Ft$129
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,280
Acres2.33 acres
Year Built2007
TypeResidential
Sub-TypeManufactured Home
StatusClosed
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
MiddleJenkins, reported on 2 other Metes & Bounds listings
HighPalatka, reported on 2 other Metes & Bounds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address117 Jack Road, Palatka, FL 32177
Area562-Bardin/West Bostwick
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size101,494.8 sq ft
Parcel Number240826000000800180
ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingOther, Off Street, RV Access/Parking
ViewPond, Trees/Woods, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesDock, Fire Pit
Lot DescriptionAgricultural, Cleared, Dead End Street
Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch, Screened
RoofMetal
ConstructionVinyl Siding
Other StructuresShed(s), Workshop

Additional Information

Date ListedOctober 31, 2025
Days on Market124
Tax Amount$3,759.39
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

Sold by: RE/MAX SPECIALISTS (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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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 2, 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.

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