Active·126 days on market
3429 Balsam Street
Palatka, FL 32177
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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 (at no fault of the Seller/Property). Discover the welcoming charm of 3429 Balsam St, a beautifully updated 3-bed, 2-bath manufactured home offering comfort, space, and versatility. Step inside to an open layout enhanced by recent upgrades, including a new A/C and Water Heater within the past two years, Electrical improvements, and a durable metal roof approx 15 years old. Enjoy outdoor living on the 160sqft screened front porch or the expansive 324sqft back deck overlooking the fully fenced .31-acre yard with dog kennels and chicken coops. A converted shed adds incredible value as a separate 1-bed, 1-bath apartment with its own septic system and a tenant who wishes to stay; affording you the opportunity to allow your tenant to pay most of your mortgage for you!!! A recent 4-Point Inspection Report is available. Located in a quiet part of town, yet just minutes from everything that town has to offer, this inviting property is ready to welcome its next owner.
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 1978)
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: ~1,253 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,026/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 10, 2026Price change$179,900−$10,000
- Jul 10, 2026Active$189,900
- Jun 6, 2026Listed$189,900
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 $171/sq ft; this home is listed at $126/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 242 Mango Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $240,000 | $156 | 4/2 | 1,534 | 185 | 0.4 |
| 110 Karen Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $249,000 | $165 | 4/2 | 1,512 | 72 | 0.4 |
| 190 Mango Drive, Palatka, FL 32177Listed by 21ST CENTURY REALTY SERVICES OF JACKSONVILLE | Jun 2026 | $155,000 | $98 | 3/2 | 1,585 | 22 | 0.4 |
| 155 Roddy Road, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $340,000 | $259 | 3/1.5 | 1,314 | 61 | 0.5 |
| 203 Citra Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Apr 2026 | $269,000 | $171 | 3/2 | 1,576 | 13 | 0.5 |
| 174 Geck Road, Palatka, FL 32177Listed by MOMENTUM REALTY | Aug 2026 | $260,000 | $202 | 3/2 | 1,290 | 0 | 0.6 |
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: 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.
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Your Local Realtor
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.
Text Krista about this home20+ 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