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Sold

Sold·Closed May 1, 2026·129 days on market

341 Alabama Avenue

Palatka, FL 32177

$315,000sold priceListed at $329,000 · 95.7% of asking$186/sqftMLS# 2119073
4
Beds
3
Baths
1,696
Sq Ft
1985
Built
—
Garage
No
Pool
No HOA0.51 acresSingle Family Residence1 story

About this home

Palatka

Beautifully renovated and move-in ready, this spacious 4 bedroom, 3 bath home sits on a generous half-acre lot offering the perfect blend of privacy and modern comfort. Every inch of this home has been updated- featuring a brand-new kitchen with stylish finishes, fully renovated bathrooms, new flooring, fresh paint, and upgraded fixtures throughout. The open layout provides plenty of natural light, while the split-bedroom design gives everyone their own space. Enjoy peaceful outdoor living with room for a garden, toys, or future additions. Conveniently located near Palatka's parks, shopping, and schools, this home is an incredible opportunity for anyone looking for a turn-key property with land.

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$1,745
Estimated total, before insurance$1,745/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$626/yr · $52/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$315,000
$63,000
Loan Term
Monthly Payment
$1,745
Principal & Interest: $1,745
Insurance (est.): $210
Estimated Total Monthly
$1,955
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 1985)

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

Solar potential: ~1,634 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $626/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 $176/sq ft; this home is listed at $194/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
101 Lisa Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCSep 2026$365,000$1674/22,182310.2
3225 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INCJul 2026$262,000$1473/21,781110.3
155 Carole Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLCJun 2026$340,000$1763/2.51,927170.3
155 Roddy Road, Palatka, FL 32177Listed by IHEART REALTY INCJul 2026$340,000$2593/1.51,314610.4
110 Karen Drive, Palatka, FL 32177Listed by IHEART REALTY INCSep 2026$249,000$1654/21,512720.6
174 Geck Road, Palatka, FL 32177Listed by MOMENTUM REALTYAug 2026$260,000$2023/21,29000.7

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$329,000
Price / Sq Ft$194
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage1,696
Acres0.51 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StyleFlat
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address341 Alabama Avenue, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionNot Validd
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size22,215.6 sq ft
Parcel Number111026000007300000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPorch
FencingChain Link
RoofShingle

Additional Information

Date ListedNovember 21, 2025
Days on Market129
Tax Amount$625.53
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 1, 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.

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