Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 177
Active

$1,495,0003 bd · 3 ba · 2,191 sq ft

Active·103 days on market

122 Macon Road

Palatka, FL 32177

$1,495,000$682/sqftEst. $8,151/mo mortgageMLS# 2153530
↓ $105,000 below original list
3
Beds
3
Baths
2,191
Sq Ft
2022
Built
8
Garage
Yes
Pool
FEMA Zone XNo HOA4.91 acresSingle Family Residence1 story

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

Truly magnificent multi dwelling property located in Palatka ''Raven'sRetreat'' is nestled next to the St. John's River at Brown's Landing for quick access to boating & water-sports and on a dead-end street with minimum traffic. A beautiful split rail custom built white wood fence was installed across the front of the property with 2 decorative gates featuring the tree of life are operated by remote electric Ghost openers. There is also white privacy fencing from the front to the back of the house as well as around the pool area. This truly 1-of-a kind estate consists of 4 separate dwellings, screened lanais, paver brick sidewalks, palm tree lined driveway, heated salt swimming pool with spa & luminars built by the reputable Batts Pool Company of Jacksonville. The property features 2 artesian wells w/ water treatment, including water softeners. Tankless gas water heaters, 3 engineered septic systems, 3 Generac 250-amp generators, 3 buried 250-gallon propane tanks. See Supplement!

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$8,151
Estimated total, before insurance$8,151/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,849/yr · $1,321/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

$1,495,000
$299,000
Loan Term
Monthly Payment
$8,151
Principal & Interest: $8,151
Insurance (est.): $997
Estimated Total Monthly
$9,147
*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 (the whole 4.2-acre lot)

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: Shingle — year not disclosed (home built 2022)

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: ~1,698 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, 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

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.

  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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): $15,849/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 1, 2026Price change$1,495,000−$105,000
  • Jul 28, 2026Active$1,600,000

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 $137/sq ft; this home is listed at $682/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
101 Cedar Street, Palatka, FL 32177Listed by MOMENTUM REALTYMay 2026$246,900$1373/21,801591.7
2400 Lundy Road, Palatka, FL 32177Listed by REDFIN CORPORATIONJun 2026$320,000$1694/21,888781.9
104 Breezewood Circle, San Mateo, FL 32187Listed by IHEART REALTY INCFeb 2026$255,000$1353/21,8902981.9
242 Mango Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCOct 2026$240,000$1564/21,5341852
115 Troupe Road, San Mateo, FL 32187Listed by DUCK REALTY INCAug 2026$175,000$932/11,8882732
2020 Cherry Lane, Palatka, FL 32177Listed by MARK SPAIN REAL ESTATEJul 2026$225,000$1363/21,655422

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$1,495,000
Price / Sq Ft$682
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,191
Total Structure Area12,758 sq ft
Acres4.91 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage, Multi Generational, Ranch, Traditional, Villa
Property ConditionUpdated/Remodeled
StatusActive
# of Garages8
# of Carport Spaces2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Gas Heat, Heated, Pool Sweep, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontNo
Direction FacesSouth

School Information

ElementaryMoseley
MiddleMiller Intermediate
HighPalatka

Community Information

Address122 Macon Road, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size213,879.6 sq ft
Parcel Number301027000000250000
ZoningAgricultural

Amenities

Community FeaturesFishing
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
Green / EnergyAppliances, Construction, Doors, HVAC, Roof, Thermostat, Water Heater, Windows
ParkingAdditional Parking, Attached, Attached Carport, Covered, Detached, Detached Carport, Garage, Garage Door Opener, Gated, Guest, Off Street, RV Access/Parking, Other
ViewPool, Trees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Butler Pantry, Eat-in Kitchen, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesOther, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked, Water Softener Owned, Wine Cooler
HeatingCentral, Electric, Heat Pump, Hot Water
CoolingCentral Air, Multi Units
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup
SecurityCarbon Monoxide Detector(s), Closed Circuit Camera(s), Entry Phone/Intercom, Security Gate, Security System Owned, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Lot DescriptionAgricultural, Cleared, Dead End Street, Farm, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchAwning(s), Covered, Deck, Front Porch, Patio, Porch, Rear Porch, Screened, Side Porch
FencingFenced, Back Yard, Vinyl, Wood
RoofShingle
ConstructionBrick, Block, Concrete
Other StructuresGazebo, Guest House, Shed(s), Workshop
Road SurfaceAsphalt, Concrete
Road FrontageCounty Road

Additional Information

Date ListedJuly 28, 2026
Days on Market103
Tax Amount$15,848.82
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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