Active·121 days on market
4065 Silver Lake Drive
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
Set on 2.16 beautiful acres, 4065 Silver Lake Dr offers room to breathe and grow. This inviting 3-bed/2-bath manufactured home features a bonus addition that brings 2 extra bedrooms plus a spacious back porch overlooking the peaceful property. Inside, the home is fully livable and comfortable, needing only light repairs and routine TLC to truly shine! The land includes 2 outbuildings for storage or hobbies, along with a second well and septic from a previous homesite (an exciting opportunity for future use). The AC unit updated around 2010-2011 and the Seller began to update the home with a metal roof, but was unable to finish. This is a rare chance to create your ideal retreat in a serene, expansive setting! Private Financing may be available with roughly 30% - 40% cash down.
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, Shingle — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,713 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 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
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
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): $664/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 13, 2026Price change$244,900−$5,000
- Jun 11, 2026Listed$249,900
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 $167/sq ft; this home is listed at $103/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 155 Carole Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $340,000 | $176 | 3/2.5 | 1,927 | 17 | 0.5 |
| 101 Lisa Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $365,000 | $167 | 4/2 | 2,182 | 31 | 0.6 |
| 164 Carole Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $325,000 | $109 | 6/3.5 | 2,975 | 139 | 0.6 |
| 3222 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $298,000 | $123 | 3/2 | 2,413 | 0 | 0.7 |
| 171 Estates Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $455,000 | $200 | 4/3 | 2,272 | 29 | 0.7 |
| 3225 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $262,000 | $147 | 3/2 | 1,781 | 11 | 0.7 |
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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Krista Fracke
Broker Associate
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