$679,0004 bd · 3 ba · 2,994 sq ft
Active·130 days on market
241 Pioneer Trail
Palatka, FL 32043
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palatka
Nestled on 2.46 private wooded acres with approximately 142 feet of Cedar Creek frontage, this custom-built all-brick waterfront home offers the perfect blend of comfort, craftsmanship, and outdoor living. With nearly 3,000 square feet of thoughtfully designed living space, the open floor plan is filled with natural light and showcases breathtaking water views through a wall of 8-foot glass French doors spanning the back of the home. Stained concrete floors, soaring ceilings, a wood-burning fireplace, and custom wood cabinetry create a warm yet refined atmosphere throughout. The spacious kitchen is designed for both everyday living and entertaining, featuring granite countertops, stainless steel appliances, abundant cabinetry, and a large center island for meal prep and gathering. A split-bedroom floor plan provides privacy, with the expansive primary suite offering tranquil water views, private access to the covered lanai, a spa-inspired bath wi
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.
The FEMA Zone A line crosses the house
FEMA counts a building that touches a high-risk zone as in it. Lenders require flood insurance for financed purchases here. Across the 2.2-acre lot: Zone A 56% and Zone X (minimal) 44%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2008)
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: ~1,658 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.
Closest beach parking
Nease Beachfront Parkabout 20 mi · 14 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 12 mi · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 7 mi · Saint Johns River
Closest grocery store
Publixabout 13 mi · 84 Tuscan Way, Saint Augustine
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,047/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 21, 2026Price change$679,000−$20,000
- Jul 2, 2026Listed$699,000
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 $270/sq ft; this home is listed at $227/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 162 Pioneer Trail, Green Cove Springs, FL 32043Listed by MAXREV, LLC | Jun 2025 | $575,000 | $270 | 3/2.5 | 2,132 | 154 | 0.6 |
| 130 Falcon Drive, Green Cove Springs, FL 32043Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Feb 2026 | $725,000 | $305 | 4/3 | 2,376 | 45 | 1.5 |
| 524 Cedar Creek Road, Palatka, FL 32177Listed by BARBARA B JENNESS PA | Sep 2026 | $860,000 | $231 | 3/3 | 3,722 | 165 | 1.6 |
| 138 El Prado Court, Palatka, FL 32177Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Mar 2026 | $292,500 | $139 | 4/2 | 2,097 | 5 | 2.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETROS REALTY 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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