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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Aug 12, 2026·33 days on market

2025 Kate Street

Palatka, FL 32177

$204,500sold priceListed at $200,000 · 102.3% of asking$159/sqftMLS# 2151192
3
Beds
1
Baths
1,290
Sq Ft
1961
Built
—
Garage
No
Pool
FEMA Zone XNo HOA8,276 sqft lotSingle Family Residence1 story

About this home

Palatka

Conveniently located near schools, shopping, dining, and medical facilities, this 3-bedroom, 1-bath concrete block home offers comfort, functionality, and value. A durable metal roof provides peace of mind and low-maintenance living, while the flexible floor plan includes a bonus room that can easily serve as a second living area, dining room, home office, or playroom. Enjoy your morning coffee or unwind in the evenings on the screened back porch, perfect for enjoying the outdoors year-round. The fully fenced backyard offers plenty of space for pets, play, gardening, or entertaining. Whether you're a first-time buyer, downsizing, or looking for an investment opportunity, this home is ready to fit your needs.

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$1,133
Estimated total, before insurance$1,133/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,191/yr · $266/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

$204,500
$40,900
Loan Term
Monthly Payment
$1,133
Principal & Interest: $1,133
Insurance (est.): $136
Estimated Total Monthly
$1,269
*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 1961)

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: ~1,504 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): $3,191/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 17, 2026Closed$200,000
  • Jul 21, 2026Active Under Contract$200,000
  • Jun 18, 2026Listed$200,000

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 $180/sq ft; this home is listed at $155/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2027 Kate Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLCSep 2026$208,500$2003/21,045670
1413 Cleveland Ave Avenue, Palatka, FL 32177Listed by MAXREV, LLCJun 2026$292,500$1804/21,6272330.2
1403 Prospect Street, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCMar 2026$219,900$1703/21,2961470.2
2312 Silver Lake Drive, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLCSep 2026$190,000$1903/11,00090.3
621 S 18th Street, Palatka, FL 32177Listed by MOMENTUM REALTYAug 2026$228,000$1583/21,440300.4
120 E Oak Hill Drive, Palatka, FL 32177Listed by LANTERN REALTY, LLC.Jul 2026$199,900$1653/11,210690.4

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$200,000
Price / Sq Ft$155
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,290
Acres0.19 acres
Year Built1961
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address2025 Kate Street, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size8,276.4 sq ft
Parcel Number121026137000600132

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

AppliancesElectric Cooktop, Electric Oven, Gas Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Additional Information

Date ListedJune 18, 2026
Days on Market33
Tax Amount$3,191.08
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TIMBER TO TIDES REALTY LLC

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

This home sold on Aug 12, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

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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