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Active·127 days on market

6109 W 1st Manor

Palatka, FL 32177

$256,000$202/sqftEst. $1,418/moMLS# 2149127
↓ $7,000 below original list
3
Beds
2
Baths
1,265
Sq Ft
1990
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10,890 sqft lotSingle Family Residence1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

Back on market!!! No fault on Sellers as Buyers financing fell through. Don't miss your chance on this beautifully updated 3BR/2BA home situated on a 1/4-acre cul-de-sac lot in a desirable neighborhood close to shopping, dining, schools, and major commuter routes. This move-in ready home features an open floor plan with abundant natural light from skylights, a spacious living area, and sliding glass doors leading to a large screened porch. The primary suite offers a walk-in closet, while the privacy-fenced backyard provides plenty of space for outdoor enjoyment. Recent improvements include a new AC system and ductwork, fresh interior and exterior paint, and new stainless steel appliances. The home also features a durable metal roof, a 2-car garage, and city water and sewer. A great opportunity to own an updated home in a convenient location.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,418
Estimated total, before insurance$1,418/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,112/yr · $176/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$256,000
$51,200
Loan Term
Monthly Payment
$1,418
Principal & Interest: $1,418
Insurance (est.): $171
Estimated Total Monthly
$1,589
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — year not disclosed (home built 1990)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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: ~1,559 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,112/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

  • Oct 8, 2026Price change$256,000−$1,000
  • Oct 2, 2026Active$257,000
  • Sep 6, 2026Active Under Contract$257,000
  • Sep 3, 2026Price change$257,000−$1,000
  • Aug 27, 2026Price change$258,000−$1,000
  • Aug 20, 2026Price change$259,000−$1,000
  • Aug 7, 2026Price change$260,000−$1,900
  • Jul 30, 2026Price change$261,900−$100
  • Jul 24, 2026Price change$262,000−$1,000
  • Jul 23, 2026Active$263,000
  • Jul 19, 2026Price change$263,000+$4,210
  • Jul 9, 2026Price change$258,790−$1,000
  • Jun 5, 2026Listed$259,790

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 $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6106 W 3rd Manor, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCApr 2026$277,000$2202/1.51,2601760.1
128 Davis Lake Rd Road, Palatka, FL 32177Listed by MOMENTUM REALTYSep 2026$68,000$643/21,064110.2
111 Davis Lake Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLCJun 2026$256,000$1953/21,31600.2
112 W Camelot Drive, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTYApr 2026$306,900$2143/21,4331270.9
7200 Andrew Jackson Street, Palatka, FL 32177Listed by BEACH STATE REALTYSep 2026$245,250$1873/21,3111211
127 Mellon Road, Palatka, FL 32177Listed by WATSON REALTY CORPOct 2026$140,873$973/2.51,4485651.2

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

Price$256,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,265
Acres0.25 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address6109 W 1st Manor, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionWebbs Viking Manor
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size10,890 sq ft
Parcel Number101026913000300050

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Window FeaturesSkylight(s)

Exterior

Patio / PorchPorch, Rear Porch, Screened
FencingBack Yard
ConstructionWood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 6, 2026
Days on Market125
Tax Amount$2,112.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

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

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.

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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.

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