Sold·Closed Oct 20, 2026·176 days on market
118 SW 3rd Terrace
Palatka, FL 32177
About this home
Palatka
Peaceful Country Living 2 Bed 2 Bath Manufactured Home With Concrete Stucco Siding Just a short drive to Orange Park And Beaches. Newer Stainless Steel Appliances within 2 miles to St Johns river With a covered Front Porch to set with coffee and watch the abundance of wild life. New Roof And Well insulated and well maintained home just waiting for you. This Home is being sold As-Is
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.
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: Shingle — year not disclosed (home built 1994)
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: ~1,738 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.
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 20 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 6 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 12 mi · Saint Johns River
Closest grocery store
Publixabout 16 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,103/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.
History
Price & status history
- Oct 21, 2026Closed$152,000
- Oct 12, 2026Pending$152,000
- Oct 12, 2026Active$152,000
- Oct 11, 2026Withdrawn$152,000
- Jan 12, 2026Listed$152,000
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 $173/sq ft; this home is listed at $113/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 786 W River Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $550,000 | $407 | 3/1 | 1,352 | 54 | 1.2 |
| 107 Everett Street, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Dec 2025 | $215,000 | $137 | 3/2 | 1,568 | 84 | 1.2 |
| 105 Everett Street, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2025 | $223,700 | $143 | 3/2 | 1,568 | 12 | 1.2 |
| 125 W Harbor Drive, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jan 2026 | $75,000 | $51 | 3/2 | 1,480 | 20 | 1.6 |
| 102 River Road Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Dec 2025 | $180,000 | $173 | 2/1.5 | 1,040 | 118 | 1.6 |
| 844 W River Road, Palatka, FL 32177Listed by UNITED REAL ESTATE GALLERY | Oct 2025 | $239,900 | $190 | 3/2 | 1,260 | 7 | 1.6 |
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: DEBORAH BERRY REAL ESTATE
Sold by: BEACH STATE REALTY (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
More homes in Metes & Bounds
For Sale1314 Ellis Road SJacksonville, FL 32205
3 bd · 2.5 ba · 1,501 sq ft
$209,900Est. $1,117/moFresh, updated, and move-in ready! This 3-bedroom, 2.5-bath townhome offers approximately 1,500 square feet of…
Listing Office: keller williams jacksonville
For RentLease
3125 Laurent LoopDavenport, FL 33837
3 bd · 2.5 ba · 1,738 sq ft
$2,700/moThis 3-bedroom, 2.5-bath home offers a functional layout with comfortable living spaces and plenty of room to make it…
Listing Office: united real estate gallery
For RentLease
3794 Ron RoadGreen Cove Springs, FL 32043
3 bd · 2 ba · 1,680 sq ft
$2,600/moCOUNTRY LIVING AT IT'S FINEST! 1.5 acres! Live in the country but close to the conveniences of city life. Primary…
Listing Office: plantana realty, inc.
For RentLease
5285 Truman Pacetti RoadSt. Augustine, FL 32092
3 bd · 2 ba · 1,831 sq ft
$2,600/moImmaculate 3 bedroom 2 bathroom house awaiting its new family! This adorable home is located on a beautiful piece of…
Listing Office: international golf realty
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 20, 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