Sold·Closed Sep 24, 2026·226 days on market
138 Kelley Smith School Road
Palatka, FL 32177
About this home
Palatka
NEW CONSTRUCTION 4-BEDROOM HOME NOW OFFERED AT $285,000! Inside you'll find a beautiful, yet functional open floor plan with 9-foot ceilings, luxury vinyl plank flooring, granite counters, soft-close cabinetry, stainless steel appliances, and matte black lighting. Blinds are already installed throughout, and the garage floor is finished in epoxy. Built to last: fiber cement siding, shingle roof, and pre-wired for ceiling fans, internet, TV, and phone. One-car garage for extra storage. Backed by a 1-year builder warranty and 10-year structural warranty. Minutes from HCA Florida Putnam Hospital, shopping, the St. Johns River, and Downtown Palatka. Centrally located from Gainseville and Saint Augustine Beach!
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.
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,600 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.
History
Price & status history
- Sep 25, 2026Closed$285,000
- Aug 20, 2026Active Under Contract$285,000
- Aug 2, 2026Price change$285,000−$2,900
- Jan 5, 2026Listed$287,900
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 $187/sq ft; this home is listed at $185/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7200 Andrew Jackson Street, Palatka, FL 32177Listed by BEACH STATE REALTY | Sep 2026 | $245,250 | $187 | 3/2 | 1,311 | 121 | 0.5 |
| 118 W Camelot Drive -, Palatka, FL 32177Listed by EXP REALTY LLC | Jul 2026 | $370,000 | $206 | 3/2 | 1,800 | 138 | 0.5 |
| 112 W Camelot Drive, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTY | Apr 2026 | $306,900 | $214 | 3/2 | 1,433 | 127 | 0.5 |
| 117 Horseman Club Road, Palatka, FL 32177Listed by IHEART REALTY INC | Apr 2026 | $294,900 | $160 | 3/2 | 1,838 | 188 | 0.7 |
| 117 Timber Lane, Palatka, FL 32177Listed by DUCK REALTY INC | Aug 2025 | $260,000 | $130 | 3/2 | 2,004 | 50 | 0.8 |
| 1127 S State Road 19, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $168,000 | $123 | 3/2 | 1,361 | 108 | 1 |
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
Additional Information
Listing Courtesy of: MAXREV, 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 24, 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
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