Pending·77 days on market
543 Palmetto Bluff Road
Palatka, FL 32177
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palatka
.
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.
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: material not specified — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,401 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): $132/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$272,900+$3,000
- Sep 3, 2026Price change$269,900−$3,000
- Aug 12, 2026Price change$272,900−$12,000
- Jul 26, 2026Price change$284,900+$15,000
- Jun 10, 2026Listed$269,900
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 $188/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 541 Palmetto Bluff Road, Palatka, FL 32177Listed by ANCHOR REALTY JAX | Aug 2026 | $289,900 | $217 | 3/2 | 1,334 | 45 | 0 |
| 117 Mackerel Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jul 2026 | $247,900 | $188 | 3/2 | 1,321 | 8 | 0.1 |
| 120 Barracuda Drive, Palatka, FL 32177Listed by INTERLACHEN REALTY SERVICES, INC | Jun 2026 | $155,000 | $108 | 3/2 | 1,440 | 42 | 0.2 |
| 137 Bonita Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $160,000 | $148 | 2/2 | 1,078 | 157 | 0.4 |
| 276 Harbor Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $440,000 | $302 | 3/2 | 1,455 | 9 | 0.8 |
| 278 Harbor Drive, Palatka, FL 32177Listed by MOMENTUM REALTY | Jun 2026 | $142,000 | $117 | 2/2 | 1,216 | 38 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ANCHOR REALTY JAX
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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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
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