Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·54 days on market

1124 S 12th Street

Palatka, FL 32177

$145,000$112/sqftEst. $745/moMLS# 2148299

Beds

Baths

1,295

Sq Ft

1920

Built

—

Garage

Pool

About this home

Palatka

Tucked away on a dead-end street, this 3-bedroom, 1-bath home offers a comfortable layout with tall ceilings and a convenient location just minutes from downtown Palatka, shopping, dining, the fishing dock/boat ramp, Ravine Gardens State Park, and the Palatka Golf Club. Inside, you'll find brand-new LVP flooring throughout, custom maple shelving, freshly conditioned butcher block countertops, a tiled shower, and a custom floating walnut vanity. The heated and cooled Florida sunroom provides flexible additional space and can be used as a third bedroom, office, or bonus room. Major system updates provide added peace of mind, including a metal roof installed in 2021, water heater in 2024, and HVAC replacement in 2025. Outside, enjoy the large front porch, spacious backyard, and large storage shed.

Cost to own

Mortgage calculator

Home Price

$145,000

Down Payment: 20%

$29,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$745

Principal & Interest: $745

Insurance (est.): $97

Estimated Total Monthly

$842

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$745

Estimated total, before insurance$745/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,910/yr · $159/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,910/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.

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: material not specified — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0040061 - Palatka WWTF · Public water (record)

County records show 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: ~1,681 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

As 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.

History