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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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Pending

$374,899Pending3 bd · 2 ba · 1,692 sq ft

Pending·144 days on market

121 Daren Drive

Palatka, FL 32177

$374,899$222/sqftEst. $2,044/mo mortgageMLS# 2151255
↓ $14,001 below original list
3
Beds
2
Baths
1,692
Sq Ft
1985
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA1.32 acresSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

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

MOTIVATED SELLER-BRING YOUR BEST OFFER! USDA FINANCING MAY BE AVAILABLE! 100 percent financing with NO DOWN PMT. through the USDA Rural Development Program. 1.32 acres-Updated-1692 sq ft-3/2-Screened Lanai-Pool-Outside Workshop/Storage-Gazebo-Side patio for seating, dining, grilling, or entertaining. Enjoy the outdoors and bring your recreational equipment and create the lifestyle you'll love.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,044
Estimated total, before insurance$2,044/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,205/yr · $100/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

$374,899
$74,980
Loan Term
Monthly Payment
$2,044
Principal & Interest: $2,044
Insurance (est.): $250
Estimated Total Monthly
$2,294
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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).

Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.

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 1985)

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: ~1,709 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.

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, 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.

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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 6:47 AM, sunset 5:35 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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): $1,205/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

  • Oct 20, 2026Pending$374,899
  • Oct 2, 2026Price change$374,899−$1
  • Aug 21, 2026Price change$374,900−$5,000
  • Jul 31, 2026Price change$379,900−$4,000
  • Jul 17, 2026Price change$383,900−$5,000
  • Jun 18, 2026Listed$388,900

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 $214/sq ft; this home is listed at $222/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
155 Daren Drive, Palatka, FL 32177Listed by IHEART REALTY INCJan 2026$475,000$2243/22,124900.2
116 Gary Drive, Palatka, FL 32177Listed by IHEART REALTY INCAug 2025$123,000$763/21,620160.4
121 Rowland Avenue, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCJun 2025$160,000$1283/21,2482921
596 State Road 20, Palatka, FL 32177Listed by NON MLS (realMLS)Jul 2026$315,000$1932/21,632901.2
110 James Drive, Palatka, FL 32177Listed by BALDWIN FAMILY REALTY LLCMay 2026$570,000$3163/2.51,8041901.2
144 Blackjack Circle, Hollister, FL 32147Listed by MAXREV, LLCJul 2026$260,000$2143/21,21491.6

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$374,899
Price / Sq Ft$222
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,692
Total Structure Area2,052 sq ft
Acres1.32 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Carport Spaces2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryKelley Smith

Community Information

Address121 Daren Drive, Palatka, FL 32177
Area572-Interlachen-NE
SubdivisionInterlachen Lakes Estates
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size57,499.2 sq ft
Parcel Number091025407700700141

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway, Covered

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringLaminate, Vinyl, Wood
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesFire Pit
Patio / PorchCovered, Rear Porch, Screened
FencingVinyl
RoofMetal
ConstructionConcrete
Other StructuresGazebo, Shed(s), Workshop
Road SurfacePaved

Additional Information

Date ListedJune 18, 2026
Days on Market144
Tax Amount$1,205.03
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EAZ 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.

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