Sold·Closed Aug 14, 2026·28 days on market
109 Gaskin Road
Palatka, FL 32177
About this home
Palatka
This 700 sq ft, 1-bedroom, 1-bath home offers modern, low maintenance living in turn key, like new condition. The open concept layout features vinyl plank flooring, neutral finishes with abundant light, enclosed laundry room, updated kitchen and bathroom, mini-split unit for heat and air, large bedroom with double closets and a galley kitchen with plenty of cabinets! The bathroom is finished with modern fixtures and a tiled shower. This home has metal roof and vinyl siding for low maintenance and is located in a quaint country setting but close to town, shopping, doctors and schools. Outside you will find a large chain linked fenced in back yard for your 4 legged friend with plenty of room. for them to run and relax in shade. Move in ready with no HOA fees or water bills. This home is ideal for a first-time buyer, downsizer, or anyone seeking a move in ready property in a quiet North Florida setting.
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.
Likely septic · 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: ~1,148 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 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): $1,029/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
- Aug 14, 2026Closed$145,000
- Jul 24, 2026Pending$145,000
- Jun 2, 2026Listed$145,000
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 $186/sq ft; this home is listed at $207/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3409 Whitehall Street, Palatka, FL 32177Listed by BRANIFF REALTY, LLC | Jul 2026 | $60,000 | $89 | 2/1 | 672 | 33 | 1.2 |
| 1508 Roselle Avenue, Palatka, FL 32177Listed by IHEART REALTY INC | Mar 2026 | $158,000 | $186 | 3/1 | 850 | 38 | 1.9 |
| 1613 Cleveland Avenue, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $110,000 | $147 | 2/1 | 748 | 29 | 2.1 |
| 113 W Oak Hill Drive, Palatka, FL 32177Listed by RE/MAX SPECIALISTS | Apr 2026 | $165,000 | $194 | 2/1 | 849 | 187 | 2.3 |
| 2108 Kirby Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $169,900 | $194 | 2/1 | 876 | 174 | 2.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES 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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 14, 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