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Sold·Closed May 15, 2026·26 days on market
104 Creek Lane
Palatka, FL 32177
About this home
Palatka
Contingent and accepting back up offers. Escape the noise of urban-suburban living. Enjoy the sounds and feel of river life. Affordable, charming canal property off the St. Johns River. Turn off the car and listen! Birds, breezes, bees, and nature. An occasional boat motor. Perfect for year-round, second home getaway. Small canal access with shallow draft boat is possible. Bulkhead along the property. Open carport for vehicle or boat & trailer. There is a county boat launch at the junction of Palmetto Bluff and Cedar Creek. Cedar Creek is not a through pass road, so limited traffic adds to the peace and quiet. Community is tucked in between Palatka to the south and Green Cove Springs to the North, all via HWY 17. Tenant moving out prior to closing. 2-3 hours' notice is requested for appointments. Thank you.
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.
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 1982)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,684 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 beach parking
Nease Beachfront Parkabout 19 mi · 14 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 10 mi · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 2 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 7 mi · Saint Johns River
Closest grocery store
Publixabout 12 mi · 84 Tuscan Way, 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,912/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 $368/sq ft; this home is listed at $195/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 550 Cedar Creek Road 2, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Aug 2026 | $315,000 | $255 | 2/2 | 1,233 | 61 | 0.6 |
| 152 Pioneer Trail, Palatka, FL 32043Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $500,000 | $340 | 3/2 | 1,469 | 30 | 0.7 |
| 110 Pioneer Trail, Green Cove Springs, FL 32043Listed by LOKATION | Jul 2026 | $549,000 | $368 | 3/2 | 1,492 | 54 | 0.8 |
| 442 Cedar Creek Road, Palatka, FL 32177Listed by MODERN REALTY OF FLORIDA | Sep 2026 | $545,000 | $416 | 3/2 | 1,309 | 2 | 1.3 |
| 1208 County Road 13 S, St. Augustine, FL 32092Listed by LOKATION | Dec 2025 | $245,500 | $303 | 1/1 | 810 | 5 | 2 |
| 380 Cedar Creek Road, Palatka, FL 32177Listed by NICOSIA REALTY INC. | Oct 2025 | $527,500 | $413 | 3/2 | 1,276 | 193 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LPT REALTY LLC
Sold by: LPT REALTY LLC (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 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
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