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Sold

Sold·Closed Jun 15, 2026·108 days on market

1127 S State Road 19

Palatka, FL 32177

$168,000sold priceListed at $199,900 · 84% of asking$123/sqftMLS# 2128863
3
Beds
2
Baths
1,361
Sq Ft
1945
Built
—
Garage
No
Pool
No HOA2.23 acresSingle Family Residence1 story

About this home

Palatka

Charming 3 bedroom, 2 bathroom home situated on over 2 acres. This property is Zoned AG, meaning chickens are welcome. Despite the acreage, the location remains close to shopping, schools, and medical facilities. Interior & Layout: Kitchen: Features stainless steel appliances and a functional breakfast bar for seating. Master Suite: Includes a reading nook with windows and a bathroom with a tile shower. Flex Space: A separate flex room is included, which can serve as a 4th bedroom, office, or playroom. Utility: A large laundry room is located off the main living areas. Exterior Features: Construction: The home has a metal roof. Outdoor Space: Includes a large screened-in front porch and over 2 acres of land.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$931
Estimated total, before insurance$931/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,240/yr · $187/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

$168,000
$33,600
Loan Term
Monthly Payment
$931
Principal & Interest: $931
Insurance (est.): $112
Estimated Total Monthly
$1,043
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — year not disclosed (home built 1945)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,238 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,240/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 $195/sq ft; this home is listed at $147/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
112 W Camelot Drive, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTYApr 2026$306,900$2143/21,4331270.6
138 Kelley Smith School Road, Palatka, FL 32177Listed by MAXREV, LLCSep 2026$285,000$1854/21,5432261
128 Davis Lake Rd Road, Palatka, FL 32177Listed by MOMENTUM REALTYSep 2026$68,000$643/21,064111.1
7200 Andrew Jackson Street, Palatka, FL 32177Listed by BEACH STATE REALTYSep 2026$245,250$1873/21,3111211.1
111 Davis Lake Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLCJun 2026$256,000$1953/21,31601.1
174 Geck Road, Palatka, FL 32177Listed by MOMENTUM REALTYAug 2026$260,000$2023/21,29001.2

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

Price$199,900
Price / Sq Ft$147
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,361
Acres2.23 acres
Year Built1945
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address1127 S State Road 19, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size97,138.8 sq ft
Parcel Number151026000005210060

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LaundryIn Unit

Exterior

Lot DescriptionIrregular Lot
Patio / PorchCovered, Front Porch, Screened
RoofMetal
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedFebruary 18, 2026
Days on Market108
Tax Amount$2,240.15
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TIMBER TO TIDES REALTY 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 15, 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.

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