Sold·Closed Sep 30, 2026·68 days on market
111 Elm Avenue
Palatka, FL 32177
About this home
Palatka
Welcome to Elm Avenue, this 4 bedroom single family home was just recently updated and renovated for the next owner. Built to last with concrete block and brick construction, this home also sits on a large .27 acre high and dry lot with plenty of room for decks or water features. There are upgrades galore, from roof to floors. Some of the recent notable updates include; architectural shingle roof replaced, new well equipment, low-e windows added, new water heater, new AC, fresh paint inside and out, LVP floors added throughout, kitchen and bath remodeled. The location is ideal, just a short drive to St. Johns Ave. for all your riverside dining and shopping, or spend a day at Ravine Gardens State Park. Enjoy area parks, boat ramps, and laid-back North Florida living in Putnam County or head to St.Augustine for day at the beach. Schedule your showing today!
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.
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: Shingle — year not disclosed (home built 1978)
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: ~1,600 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- 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.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing 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): $1,735/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 30, 2026Closed$174,900
- Sep 17, 2026Active Under Contract$174,900
- Aug 12, 2026Price change$174,900−$15,000
- Jul 26, 2026Active$189,900
- Jul 21, 2026Active Under Contract$189,900
- Jul 15, 2026Price change$189,900−$9,100
- Jul 3, 2026Listed$199,000
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 $138/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3201 Weaver Road, Palatka, FL 32177Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $136,500 | $137 | 2/1 | 997 | 15 | 0.5 |
| 3308 Ross Circle, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $198,000 | $206 | 3/2 | 960 | 235 | 0.5 |
| 3615 Weaver Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Oct 2026 | $270,000 | $180 | 3/2 | 1,500 | 370 | 0.6 |
| 127 Mellon Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Oct 2026 | $140,873 | $97 | 3/2.5 | 1,448 | 565 | 0.9 |
| 120 E Oak Hill Drive, Palatka, FL 32177Listed by LANTERN REALTY, LLC. | Jul 2026 | $199,900 | $165 | 3/1 | 1,210 | 69 | 1.2 |
| 1820 Carr Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Sep 2026 | $243,990 | $189 | 3/2 | 1,290 | 142 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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.
Keep looking
More homes in Palatka
For Sale435 W River RoadPalatka, FL 32177
2 bd · 1 ba · 2,213 sq ft
$179,900Est. $958/moRare WATERFRONT Commercial Opportunity! This unique property offers dual Commercial & Residential zoning w/ 70ft+…
Listing Office: public services realty
For Sale1408 Carr StreetPalatka, FL 32177
3 bd · 2 ba · 1,155 sq ft
$209,888Est. $1,117/moDiscover Your Dream Home in the The Collection at Palatka Community! The exceptional Briscoe Plan is a stylish…
Listing Office: wjh brokerage fl llc
For Sale1406 Carr StreetPalatka, FL 32177
3 bd · 2 ba · 1,155 sq ft
$213,888Est. $1,138/moDiscover Your Dream Home in the The Collection at Palatka Community! The exceptional Briscoe Plan is a stylish…
Listing Office: wjh brokerage fl llc
For Sale2704 Cecille AvenuePalatka, FL 32177
3 bd · 2 ba · 1,114 sq ft
$219,990Est. $1,171/moWelcome home to this NEW Single-Story Home in The Collection at Palatka Community! The desirable Lanier Plan boasts an…
Listing Office: wjh brokerage fl llc
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 30, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines