No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Jan 9, 2026·0 days on market
205 Harbor Drive
Palatka, FL 32177
About this home
Palatka
This adorable 4-bedroom, 2-bath ranch is just waiting for your personal touch. The enclosed garage serves as a fourth bedroom, adding flexibility to the layout. A new metal roof was installed in 2018, ensuring durability for years to come. Enjoy the outdoors with fruit trees in the yard and the convenience of being just a short drive from Jacksonville, St. Augustine, and the public boat ramp at the St. Johns River. Located in a welcoming neighborhood, this home is a fantastic opportunity for first-time buyers or anyone looking to create their dream space. Being sold as-is. Schedule your showing today!
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).
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 — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,560 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Frank Butler Park Eastabout 19 mi · 84 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 9 mi · 4.1 mi of trails
Closest public boat ramp
McCullough Creek at County Road 13 Primitive Access (Not Recommended)about 4 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 10 mi · Saint Johns River
Closest grocery store
Publixabout 14 mi · 250 Plaza Blvd, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,204/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 $162/sq ft; this home is listed at $154/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 844 W River Road, Palatka, FL 32177Listed by UNITED REAL ESTATE GALLERY | Oct 2025 | $239,900 | $190 | 3/2 | 1,260 | 7 | 0.2 |
| 287 Tarpon Boulevard, Palatka, FL 32177Listed by MOMENTUM REALTY | Mar 2026 | $159,000 | $139 | 3/2 | 1,140 | 283 | 0.3 |
| 285 Tarpon Boulevard, Palatka, FL 32177Listed by IHEART REALTY INC | Feb 2026 | $159,000 | $139 | 3/2 | 1,140 | 265 | 0.3 |
| 276 Harbor Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $440,000 | $302 | 3/2 | 1,455 | 9 | 0.4 |
| 125 W Harbor Drive, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jan 2026 | $75,000 | $51 | 3/2 | 1,480 | 20 | 0.4 |
| 115 Kingfish Avenue, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2025 | $185,000 | $162 | 3/2 | 1,144 | 3 | 0.4 |
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: COLDWELL BANKER BEN BATES INC (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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jan 9, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines