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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

Pending·107 days on market

656 State Road 20

Palatka, FL 32177

$249,900$164/sqftEst. $1,384/moMLS# 2152289
3
Beds
1.5
Baths
1,528
Sq Ft
1935
Built
1
Garage
No
Pool
No HOA1.33 acresSingle Family Residence1 story

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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

: Adorable home on 1.33 acres!! This parcel features a 2-bedroom home with a spacious, connected 550 sq ft area, ideal for a master suite or running a home-based business studio, boutique or professional practice. This home has been completely rewired, new metal roof, heat and air, new plumbing, new flooring, water heater and appliances. Detached 694 sq ft garage for more storage, man cave or workshop

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$1,384
Estimated total, before insurance$1,384/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,429/yr · $202/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

$249,900
$49,980
Loan Term
Monthly Payment
$1,384
Principal & Interest: $1,384
Insurance (est.): $167
Estimated Total Monthly
$1,551
*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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,429/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.

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 $196/sq ft; this home is listed at $164/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
144 Blackjack Circle, Hollister, FL 32147Listed by MAXREV, LLCJul 2026$260,000$2143/21,21490.5
596 State Road 20, Palatka, FL 32177Listed by NON MLS (realMLS)Jul 2026$315,000$1932/21,632900.6
736 Hunter Road, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCMay 2025$252,990$1963/21,290920.6
127 Red Oak Lane, Hollister, FL 32147Listed by IHEART REALTY INCJul 2026$269,900$2273/21,18851.1
115 Pridgeon Street, Interlachen, FL 32148Listed by KELLER WILLIAMS JACKSONVILLEJun 2025$320,000$1723/21,860162.4

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$249,900
Price / Sq Ft$164
Bedrooms3
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,528
Acres1.33 acres
Year Built1935
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address656 State Road 20, Palatka, FL 32177
Area572-Interlachen-NE
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size57,934.8 sq ft
Parcel Number161025000004700000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator
HeatingElectric
CoolingMulti Units, Wall/Window Unit(s)
# of Stories1

Exterior

Other StructuresOther

Additional Information

Date ListedJune 25, 2026
Days on Market0
Tax Amount$2,428.5
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TEAM FLORIDA REALTY SERVICES 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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines