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Sold·Closed Apr 27, 2026·37 days on market
3121 Bainbridge Road 1
Palatka, FL 32177
About this home
Palatka
MOTIVATED SELLER - buyer incentives include 3% towards closing costs or rate buy down. Welcome to 3121 Bainbridge Rd, where brand-new comfort meets the charm of Old Florida living! This 4BR/2BA, 1,836 sq ft double-wide offers modern finishes, an open-concept layout, and room to truly spread out. The spacious kitchen flows seamlessly into the living area, perfect for gatherings, while the split-bedroom design adds privacy and function. Just minutes from Palatka's historic downtown, you'll love easy access to riverfront sunsets along the St. Johns, local shops, murals, and hometown dining. Enjoy small-town warmth with big character, plus the peace of a fresh start in a brand-new home. Space, style, and Southern charm wrapped into one incredible opportunity!
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.
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: Shingle — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,511 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 park or preserve
Deep Creek Conservation Areaabout 13 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 13 mi · St. Johns River - Deep Creek
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): $356/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 $156/sq ft; this home is listed at $121/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 190 Mango Drive, Palatka, FL 32177Listed by 21ST CENTURY REALTY SERVICES OF JACKSONVILLE | Jun 2026 | $155,000 | $98 | 3/2 | 1,585 | 22 | 0.1 |
| 242 Mango Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $240,000 | $156 | 4/2 | 1,534 | 185 | 0.2 |
| 110 Karen Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $249,000 | $165 | 4/2 | 1,512 | 72 | 0.4 |
| 1820 Roselle Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jun 2026 | $175,000 | $124 | 2/1.5 | 1,415 | 34 | 0.5 |
| 155 Roddy Road, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $340,000 | $259 | 3/1.5 | 1,314 | 61 | 0.7 |
| 2020 Cherry Lane, Palatka, FL 32177Listed by MARK SPAIN REAL ESTATE | Jul 2026 | $225,000 | $136 | 3/2 | 1,655 | 42 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: 1 REALTY CORP
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 Apr 27, 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