Sold·Closed Jun 2, 2026·139 days on market
164 Carole Road
Palatka, FL 32177
About this home
Palatka
Spacious and versatile 6-bedroom, 3.5-bath home offering nearly 3,000 square feet of living space on an oversized lot of over ½ acre. Thoughtfully designed for flexible living, this home features vinyl plank flooring, a dedicated office, and a large great room. The newly updated over-sized kitchen with new cabinets and quartz countertops is centrally located between the living/dining area and the family room. The expansive floor plan provides generous bedroom sizes and multiple living areas, making it well-suited for multi-generational living, extended families, or those needing extra space. Situated on a large lot with a circular driveway, there is ample parking and room to enjoy outdoor living. Previously used as a group home, the property offers a unique layout with excellent potential for a variety of residential needs. Conveniently located with easy access to local amenities, this home is a rare opportunity for buyers seeking space, functionality, and flexibility.
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.
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: Shingle — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,511 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $262/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 $189/sq ft; this home is listed at $124/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 101 Lisa Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $365,000 | $167 | 4/2 | 2,182 | 31 | 0.1 |
| 360 Alabama Avenue, Palatka, FL 32177Listed by COLDWELL BANKER PREMIER PROPERTIES | May 2026 | $395,000 | $118 | 4/2 | 3,348 | 258 | 0.1 |
| 3222 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $298,000 | $123 | 3/2 | 2,413 | 0 | 0.2 |
| 171 Estates Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $455,000 | $200 | 4/3 | 2,272 | 29 | 0.2 |
| 247 Estates Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $460,000 | $199 | 4/3 | 2,315 | 44 | 0.2 |
| 137 Crestview Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Nov 2025 | $525,300 | $189 | 4/4.5 | 2,784 | 29 | 0.2 |
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 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.
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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