Sold·Closed Jul 1, 2026·5 days on market
181 Carraway Church Road
Palatka, FL 32177
About this home
Palatka
Imagine waking up to the peace and privacy of over 10 high-and-dry acres, where there's room to breathe, roam, and truly make life your own. This beautifully maintained 3BR/2BA home offers the perfect mix of comfort and country living. Built in 2002 and move-in ready, the home features updated flooring with no carpet, a durable metal roof, a cozy wood-burning fireplace, glassed-in back porch, and a spacious primary suite with walk-in closet. Outside, the possibilities are endless, bring the chickens, plant a garden, ride ATVs, or simply enjoy the space and serenity. A massive 24x26 detached garage/workshop offers room for up to 4 cars, hobbies, equipment, or a home business. Approximately 4 acres of planted pines are ready for harvest, adding future value and opportunity. Whether you're dreaming of a family homestead, multi-generational living, or building an additional home on the property, this one is special. Clean, fresh, and extremely well-kept inside and out
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.
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 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,433 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,295/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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: STA SUNRISE REALTY
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 Sale86211 Weldon AvenueYulee, FL 32097
3 bd · 2 ba · 1,332 sq ft
$375,000Est. $1,996/moRare Double Lot Opportunity in the Heart of Yulee! Bring your vision and unlock the potential of this unique…
Listing Office: ftg realty corp
For Sale19514 N County Road 225Gainesville, FL 32609
4 bd · 2 ba · 2,356 sq ft
$375,000Est. $1,996/moTEN ACRES - Spacious 4BR/2BA mobile home offering 2,356 sq ft on 10 beautiful acres shaded by mature trees. The large…
Listing Office: cw realty
Under Contract1476 Long Bay RoadMiddleburg, FL 32068
3 bd · 2 ba · 1,702 sq ft
$375,000Est. $1,996/moMultiple offers- highest and best due Monday October 5th at 4pm ONE ACRE, TIMELESS UPDATES & PLENTY OF ROOM TO ENJOY!…
Listing Office: united real estate gallery
Under Contract70 Bird RoadJacksonville, FL 32218
4 bd · 2 ba · 2,012 sq ft
$374,888Est. $1,995/moMOVE IN READY! NEW CONSTRUCTION! NO HOA! HUGE LOT ON OVER 1/2 ACRE! Nice size front AND backyard and plenty of…
Listing Office: crystal clear realty, llc
Keep looking
Similar homes in Palatka
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 1, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines