Active·135 days on market
146 Kelley Smith School Road
Palatka, FL 32177
About this home
Palatka
Francis area home! Great opportunity on a 3-bed, 1-bath home with metal roof, newer HVAC, and an over-sized lot. Features include original hardwood flooring in some areas, spacious kitchen with lots of cabinet space, a large dining room with French doors leading out to a deck, and a huge laundry room with additional storage. Outside you'll find a fenced yard, 2-car attached garage plus a detached workshop. Sited on over 1/2-acre in a convenient location close to schools, medical facilities, and shopping. Easy to personalize -- bring your vision and finish the details!
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Metal — year not disclosed (home built 1956)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,600 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 homeAs 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): $1,172/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
- May 8, 2026Listed$175,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES INC · erinfortner@benbates.com
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.
Keep looking
More homes in Metes & Bounds
For Sale4149 Grant RoadJacksonville, FL 32207
3 bd · 2 ba · 1,480 sq ft
$175,000Est. $931/moBring your vision and unlock the potential of this 3-bedroom, 2-bath home in a convenient location just minutes from…
Listing Office: keller williams realty atlantic partners
For Sale129 Lake Como DrivePomona Park, FL 32181
1 bd · 1 ba · 784 sq ft
$175,000Est. $931/moLOOK NO MORE!!! Whether you are looking for your forever, recreational, or seasonal home--here's the PERFECT spot. A 1…
Listing Office: st johns realty and management llc
For Sale12820 NE 233rd LaneRaiford, FL 32083
3 bd · 1 ba · 1,525 sq ft
$175,000Est. $931/moWelcome to a property that offers space, simplicity, and a quiet North Florida lifestyle. Situated on a generous…
Listing Office: integrity key realty llc
Under Contract107 Milton AvenueInterlachen, FL 32148
3 bd · 1 ba · 1,084 sq ft
$174,900Est. $931/moBuilt in 2015, this site-built 3-bedroom home offers easy, low-maintenance living on nearly an acre with no HOA.…
Listing Office: timber to tides realty llc
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines