$1,299,0003 bd · 2 ba · 2,328 sq ft
Active·130 days on market
140 Pioneer Trail
Palatka, FL 32043
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About this home
Palatka
PRICE ENHANCEMENT! St. Johns Riverfront sanctuary is a self-contained compound, where exceptional craftsmanship, modern luxury, and the timeless beauty of Old Florida come together in one extraordinary waterfront retreat. Completely rebuilt, remodeled and expanded in 2024, this 3 bedroom/study/2 full bath stunning property offers nearly 300 feet of river frontage, creating an unparalleled setting for those seeking privacy, nature, and an authentic Florida lifestyle. Encompassing 6.2 acres and nestled among majestic trees in a peaceful, unspoiled natural setting, this rare sanctuary is brimming with wildlife, where deer, wild turkeys, and native birds are frequent visitors. It is a place where life slows down, offering the serenity and beauty of Florida as it used to be--a disappearing landscape that is becoming increasingly difficult to find. From the moment you arrive, you'll appreciate the custom circular driveway, screened-in front porch, a
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 AE — high-risk flood zone (Special Flood Hazard Area) (the whole 6.1-acre lot)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: Metal, Shingle — year not disclosed (home built 2024)
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: ~1,651 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Nease Beachfront Parkabout 19 mi · 14 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 11 mi · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 2 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 7 mi · Saint Johns River
Closest grocery store
Publixabout 12 mi · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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): $8,518/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 8, 2026Price change$1,299,000−$76,000
- Aug 24, 2026Price change$1,375,000−$75,000
- Jul 31, 2026Price change$1,450,000−$149,000
- Jun 30, 2026Listed$1,599,000
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 $291/sq ft; this home is listed at $558/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 142 Jondabob Road, Green Cove Springs, FL 32042Listed by MARK SPAIN REAL ESTATE | Oct 2025 | $400,000 | $221 | 3/2 | 1,808 | 14 | 0.3 |
| 162 Pioneer Trail, Green Cove Springs, FL 32043Listed by MAXREV, LLC | Jun 2025 | $575,000 | $270 | 3/2.5 | 2,132 | 154 | 0.3 |
| 215 Pioneer Trail, Green Cove Springs, FL 32043Listed by FATHOM REALTY FL, LLC. | Nov 2025 | $530,000 | $299 | 3/2.5 | 1,770 | 34 | 0.6 |
| 130 Falcon Drive, Green Cove Springs, FL 32043Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Feb 2026 | $725,000 | $305 | 4/3 | 2,376 | 45 | 1.2 |
| 370 Cedar Creek Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Aug 2026 | $400,000 | $191 | 3/2.5 | 2,092 | 1 | 2.8 |
| 386 Cedar Creek Road, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jan 2026 | $500,000 | $291 | 4/3 | 1,718 | 200 | 2.8 |
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: WATSON REALTY CORP
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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