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

This home is in Rolling Hills, Palatka.

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Sold

Sold·Closed Apr 30, 2026·13 days on market·Recent sales in Rolling Hills·Rolling Hills

203 Citra Drive

Palatka, FL 32177

$269,000sold priceListed at $269,000 · 100% of asking$171/sqftMLS# 2134379
3
Beds
2
Baths
1,576
Sq Ft
1973
Built
2
Garage
Yes
Pool

67 more homes for sale in Rolling Hills →Search Rolling Hills on the map

No HOA10,454 sqft lotSingle Family Residence1 story

About this home

Rolling Hills

Well-maintained 3 bedroom, 2 bathroom pool home offering comfort, functionality, and numerous recent updates. This super clean and meticulously cared for property features a spacious living area, a bright kitchen with ample cabinetry, breakfast bar seating, and a convenient indoor laundry room with abundant storage. Major system improvements provide peace of mind, including HVAC replaced in 2022, updated plumbing & water heater in 2020, updated double-pane windows for improved efficiency. The home also features a durable metal roof and is connected to city water and sewer. An irrigation well helps keep the yard lush year-round. Step outside to enjoy the screened patio overlooking the backyard and pool, perfect for relaxing or entertaining. The pool was resurfaced in 2025 and includes a new pump, making it ready for years of enjoyment. This move-in ready home has been lovingly maintained and offers a solid foundation for its next owner.

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$1,490
Estimated total, before insurance$1,490/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,239/yr · $103/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

$269,000
$53,800
Loan Term
Monthly Payment
$1,490
Principal & Interest: $1,490
Insurance (est.): $179
Estimated Total Monthly
$1,669
*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 1973)

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

Solar potential: ~1,750 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 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): $1,239/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

  • Mar 11, 2026Listed$269,000

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 $156/sq ft; this home is listed at $171/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
190 Mango Drive, Palatka, FL 32177Listed by 21ST CENTURY REALTY SERVICES OF JACKSONVILLEJun 2026$155,000$983/21,585220.1
242 Mango Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCOct 2026$240,000$1564/21,5341850.3
1820 Roselle Avenue, Palatka, FL 32177Listed by MAXREV, LLCJun 2026$175,000$1242/1.51,415340.4
2020 Cherry Lane, Palatka, FL 32177Listed by MARK SPAIN REAL ESTATEJul 2026$225,000$1363/21,655420.5
2400 Lundy Road, Palatka, FL 32177Listed by REDFIN CORPORATIONJun 2026$320,000$1694/21,888780.5
2114 Westover Drive, Palatka, FL 32177Listed by IHEART REALTY INCMar 2026$184,900$1613/11,146270.5

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$269,000
Price / Sq Ft$171
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,576
Total Structure Area2,324 sq ft
Acres0.24 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address203 Citra Drive, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionRolling Hills
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size10,454.4 sq ft
Parcel Number131026801200200020
ZoningResidential

Amenities

Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesElectric Oven, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Patio / PorchRear Porch, Screened
FencingBack Yard, Privacy
RoofMetal
ConstructionBlock, Brick Veneer
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 11, 2026
Days on Market13
Tax Amount$1,238.81
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, 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.

The neighborhood

About Rolling Hills

Rolling Hills is a neighborhood in Southern St. Johns County, FL (Putnam County), ZIP 32177.

View all Rolling Hills homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 30, 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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