Sold·Closed Sep 18, 2026·174 days on market
2108 Kirby Street
Palatka, FL 32177
About this home
Palatka
The Perfect Starter Home on .32 Acres! This charming 2-bedroom, 1-bath home offers comfort, convenience, and valuable updates. The property features a three-year-old roof, a two-year-old AC unit, new Hot water Heater and a privacy-fenced backyard, providing peace of mind and added outdoor enjoyment. A newer addition in the backyard offers a flexible space ideal for a game room or office. Enjoy Florida living on the screened-in porch, perfect for relaxing year round. The home is turn-key ready, offering manageable outdoor space while still providing privacy. Located close to in-town amenities, shopping, and dining, this property is a must-see for first-time buyers or anyone seeking a versatile home.
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1957)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0040061 - Palatka WWTF · Public water (record)
County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,685 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 homeAs of July 2026, 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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): $2,273/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.
History
Price & status history
- Sep 18, 2026Closed$169,900
- Jul 12, 2026Active Under Contract$169,900
- Jul 12, 2026Pending$169,900
- Jun 1, 2026Listed$169,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $194/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2027 Kate Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $208,500 | $200 | 3/2 | 1,045 | 67 | 0.1 |
| 2312 Silver Lake Drive, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $190,000 | $190 | 3/1 | 1,000 | 9 | 0.3 |
| 2205 Diana Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2025 | $162,000 | $164 | 2/1 | 990 | 28 | 0.3 |
| 113 W Oak Hill Drive, Palatka, FL 32177Listed by RE/MAX SPECIALISTS | Apr 2026 | $165,000 | $194 | 2/1 | 849 | 187 | 0.4 |
| 1613 Cleveland Avenue, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $110,000 | $147 | 2/1 | 748 | 29 | 0.5 |
| 1508 Roselle Avenue, Palatka, FL 32177Listed by IHEART REALTY INC | Mar 2026 | $158,000 | $186 | 3/1 | 850 | 38 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: TIMBER TO TIDES REALTY LLC
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 Sep 18, 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