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Sold

Sold·Closed Jul 13, 2026·99 days on market

1427 S State Road 19

Palatka, FL 32177

$290,000sold priceListed at $284,900 · 101.8% of asking$127/sqftMLS# 2133157
4
Beds
2
Baths
2,280
Sq Ft
2024
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.52 acresManufactured Home1 story

About this home

Palatka

Back on the market at no fault of the property! (Buyer financing fell through) Beautiful 2023 manufactured home on .52 acres with 4 bedrooms and 2 baths. This spacious property offers a stunning kitchen with a large island, open living room, and separate family room. The primary suite features a huge walk-in closet with built-in drawers. Outside, enjoy a 2-car carport, 12x20 shed, gazebo, and fire pit. Zoned AG, so bring your chickens--there's plenty of room for a boat, RV, and more. Conveniently located just 10-15 minutes from a St. Johns River boat ramp and minutes from shopping. Easy commute to Ocala, Gainesville, Jacksonville, and St. Augustine. A perfect blend of modern comfort and rural freedom!

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$1,606
Estimated total, before insurance$1,606/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,134/yr · $344/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

$290,000
$58,000
Loan Term
Monthly Payment
$1,606
Principal & Interest: $1,606
Insurance (est.): $193
Estimated Total Monthly
$1,800
*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.

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 2024)

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

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

Ask about this home

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 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): $4,134/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

  • Jul 14, 2026Closed$284,900
  • Mar 4, 2026Listed$284,900

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 $196/sq ft; this home is listed at $125/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
220 Stokes Landing Road, Palatka, FL 32177Listed by IHEART REALTY INCNov 2025$330,000$1963/21,680550.9
107 Krantz Road, Palatka, FL 32177Listed by IHEART REALTY INCMay 2025$60,000$343/21,75540.9
153 Lettie Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCJun 2025$255,000$1253/22,0462581
294 Peniel Church Road, Palatka, FL 32177Listed by IHEART REALTY INCDec 2025$259,000$1283/22,0161351.3
264 Peniel Church Road, Palatka, FL 32177Listed by MOMENTUM REALTYJul 2026$575,000$2903/21,980101.4
107 Dinkla Lane, Palatka, FL 32177Listed by NORTH FLORIDA REAL ESTATE PARTNERS INCAug 2025$485,000$2253/32,1602491.5

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$284,900
Price / Sq Ft$125
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,280
Acres0.52 acres
Year Built2024
TypeResidential
Sub-TypeManufactured Home
StyleOther
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address1427 S State Road 19, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size22,651.2 sq ft
Parcel Number291026000088880551

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingCarport

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Ice Maker, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringVinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionAgricultural
FencingOther, Vinyl
RoofShingle
ConstructionFrame, Vinyl Siding
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedMarch 4, 2026
Days on Market99
Tax Amount$4,133.93
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY INC

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 Jul 13, 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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