Active·132 days on market
6102 W 1st Manor
Palatka, FL 32177
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palatka
Quaint corner-lot home in Webb's Viking Manor, tucked away in a quiet cul-de-sac area with no HOA, no CDD, and no extra community fees. This 3-bedroom, 2-bath home offers fresh paint, updated bathrooms, and a comfortable split-bedroom layout. Step inside from the screened front porch into the cozy living room with wainscoting accent wall and French doors leading to a covered patio and privacy-fenced backyard. This kitchen/dining combo is perfect for the minimalist cook! Breakfast nook, barstool seating, pantry, electric stove, dishwasher, and refrigerator. The primary bedroom features TWO walk-in closets, a spacious bath with new shower unit, and a 6-foot vanity. Additional features include a two-car garage, indoor laundry, mature landscaping, 2009 metal roof, and HVAC approximately 3 years old. Walking distance to St. Johns River State College and close to HCA Florida Hospital, schools, downtown Palatka, public boat ramps, and the St. Johns River.
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: Shingle — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · FL0040061 - Palatka WWTF · Public water (record)
County records indicate this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,769 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): $4,239/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
- Sep 21, 2026Price change$239,000−$10,000
- May 31, 2026Listed$249,000
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 $195/sq ft; this home is listed at $186/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6106 W 3rd Manor, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Apr 2026 | $277,000 | $220 | 2/1.5 | 1,260 | 176 | 0.1 |
| 111 Davis Lake Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $256,000 | $195 | 3/2 | 1,316 | 0 | 0.2 |
| 128 Davis Lake Rd Road, Palatka, FL 32177Listed by MOMENTUM REALTY | Sep 2026 | $68,000 | $64 | 3/2 | 1,064 | 11 | 0.3 |
| 7200 Andrew Jackson Street, Palatka, FL 32177Listed by BEACH STATE REALTY | Sep 2026 | $245,250 | $187 | 3/2 | 1,311 | 121 | 1 |
| 112 W Camelot Drive, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTY | Apr 2026 | $306,900 | $214 | 3/2 | 1,433 | 127 | 1 |
| 127 Mellon Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Oct 2026 | $140,873 | $97 | 3/2.5 | 1,448 | 565 | 1.2 |
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: NATALE REALTORS
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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