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Active

Active·196 days on market

165 Fulton Road

Palatka, FL 32177

$325,000$204/sqftEst. $1,730/moMLS# 2123084

Beds

Baths

1,596

Sq Ft

1979

Built

—

Garage

Pool

About this home

Palatka

This home was renovated with a focus on long-term livability, systems, and structure, not surface-level cosmetics. With 1,596 square feet of thoughtfully updated living space, this home has the feel of new construction paired with the freedom and privacy of rural land ownership.Key features and upgrades include: • Fully renovated interior • Updated electrical and plumbing throughout • Heat pump HVAC system for efficient heating and cooling • Renovated kitchen with updated cabinetry, countertops, and fixtures • Updated bathrooms with modern finishes and fixtures • New flooring throughout the home • Updated lighting, doors, trim, and hardware • Improved insulation and energy-efficiency updates • Private well water with whole home filtration system • Tankless water heater • Full RV Hook Up • Space for gardens, animals, or future expansion This property also comes with an ADU of approximately 700 sq ft that is utilized as a workshop/stor

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,642

Principal & Interest: $1,642

Est. Taxes & Insurance: $410

Estimated Total Monthly

$2,052

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$1,730

Estimated total, before insurance$1,730/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,433/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.

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: material not specified — year not disclosed (home built 1979)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,615 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History