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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active Under Contract

$525,000Active Under Contract3 bd · 2.5 ba · 2,598 sq ft

Active Under Contract·299 days on market

218 Slaughter Road

Palatka, FL 32177

$525,000$202/sqftEst. $2,862/mo mortgageMLS# 2125245
↓ $70,000 below original list
3
Beds
2.5
Baths
2,598
Sq Ft
1992
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.38 acresSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palatka

Step into rustic elegance in this rare Pecky Cypress home featuring soaring 22-ft ceilings, a wood-burning fireplace, and all-electric energy efficiency. Major systems already upgraded: metal roof (10yrs, lifetime warranty), HVAC (5yrs), brand-new energy-efficient windows, updated plumbing, and a new house well (irrigation well also available). Chef's kitchen with double ovens, 2.5 baths, and TVs convey. The standout feature: a massive 60x40 pole barn workshop equipped with 2-post & 4-post vehicle lifts, workbenches, rolling tool storage, an air compressor, and a Gravely mower--all included with an acceptable offer! A rare, move-in-ready package. Schedule your private tour today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,862
Estimated total, before insurance$2,862/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,546/yr · $129/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, 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

$525,000
$105,000
Loan Term
Monthly Payment
$2,862
Principal & Interest: $2,862
Insurance (est.): $350
Estimated Total Monthly
$3,212
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard (the whole 1.4-acre lot)

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 1992)

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: ~1,689 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.

As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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): $1,546/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 24, 2026Active Under Contract$525,000
  • Jul 27, 2026Price change$525,000−$70,000
  • Jan 15, 2026Listed$595,000

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 $168/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
166 Slaughter Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLCFeb 2026$400,000$1622/22,466500.2
108 Fenham Court, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCJul 2026$335,990$1664/22,023190.3
198 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCJul 2026$338,990$1684/22,023150.3
248 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCSep 2026$339,990$1684/22,023890.4
383 Newcastle Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCAug 2026$308,990$1534/22,023500.4
125 Newcastle Road, Palatka, FL 32177Listed by MODERN REALTY OF FLORIDADec 2025$390,000$2103/21,8561690.4

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$525,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,598
Acres1.38 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryKelley Smith, reported on 8 other Metes & Bounds listings
MiddleMiller Intermediate, reported on 2 other Metes & Bounds listings
HighPalatka, reported on 10 other Metes & Bounds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address218 Slaughter Road, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size60,112.8 sq ft
Parcel Number171026000006300010

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, RV Access/Parking

Interior

AppliancesDishwasher, Double Oven, Dryer, Electric Range, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedJanuary 15, 2026
Days on Market299
Tax Amount$1,546.46
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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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