Sold·Closed Jun 22, 2026·157 days on market
137 Bonita Drive
Palatka, FL 32177
About this home
Palatka
This spacious canal front home is situated on a canal that leads to the St. Johns River. Over the past three years, it has undergone numerous updates, including new flooring, kitchen appliances with a gas stove, a washer and dryer, and an HVAC system installed in 2020. The exterior features a boat house with a fish cleaning station, a covered screened back porch, a covered carport, three sheds with electric power, and a beautiful metal roof. Metal roof was installed in 2022. There is some dock repair needed.
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.
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: Metal — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,679 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
2025 property taxes (current owner): $1,138/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 $255/sq ft; this home is listed at $175/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 117 Mackerel Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jul 2026 | $247,900 | $188 | 3/2 | 1,321 | 8 | 0.3 |
| 541 Palmetto Bluff Road, Palatka, FL 32177Listed by ANCHOR REALTY JAX | Aug 2026 | $289,900 | $217 | 3/2 | 1,334 | 45 | 0.4 |
| 278 Harbor Drive, Palatka, FL 32177Listed by MOMENTUM REALTY | Jun 2026 | $142,000 | $117 | 2/2 | 1,216 | 38 | 0.4 |
| 786 W River Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $550,000 | $407 | 3/1 | 1,352 | 54 | 1 |
| 442 Cedar Creek Road, Palatka, FL 32177Listed by MODERN REALTY OF FLORIDA | Sep 2026 | $545,000 | $416 | 3/2 | 1,309 | 2 | 1.7 |
| 550 Cedar Creek Road 2, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Aug 2026 | $315,000 | $255 | 2/2 | 1,233 | 61 | 2.3 |
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
Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)
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.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 22, 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