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 / 37
Sold

Sold·Closed Aug 10, 2026·30 days on market

621 S 18th Street

Palatka, FL 32177

$228,000sold priceListed at $225,000 · 101.3% of asking$158/sqftMLS# 2153854
3
Beds
2
Baths
1,440
Sq Ft
1940
Built
—
Garage
No
Pool
FEMA Zone XNo HOA8,712 sqft lotSingle Family Residence1 story

About this home

Palatka

Remodeled and move-in ready in Palatka. This 3 bedroom, 2 bathroom home features a new roof, updated kitchen and baths, fresh finishes, modern flooring, stainless steel appliances, an inviting front porch, driveway parking, and a spacious yard. The bright kitchen offers white cabinetry, stone-look counters, tile backsplash, and an easy flow into the dining area. Both bathrooms have been refreshed with clean, modern finishes, and the flexible third bedroom works well as an office, guest room, or hobby space. Conveniently located near local schools, shopping, parks, and downtown Palatka, this home is a clean and practical option for a primary residence or low-maintenance property.

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$1,263
Estimated total, before insurance$1,263/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,627/yr · $136/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

$228,000
$45,600
Loan Term
Monthly Payment
$1,263
Principal & Interest: $1,263
Insurance (est.): $152
Estimated Total Monthly
$1,415
*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.

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 1940)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0040061 - Palatka WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,289 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,627/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

  • Aug 23, 2026Closed$225,000
  • Aug 4, 2026Pending$225,000
  • Jul 11, 2026Active Under Contract$225,000
  • Jul 5, 2026Listed$225,000

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 $160/sq ft; this home is listed at $156/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
621 S 18th Street, Palatka, FL 32177Listed by MOMENTUM REALTYMar 2026$60,000$423/21,44030
1820 Carr Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLCSep 2026$243,990$1893/21,2901420.1
611 Moseley Avenue, Palatka, FL 32177Listed by BALDWIN FAMILY REALTY LLCAug 2026$140,000$823/21,71630.1
306 S 14th Street, Palatka, FL 32177Listed by IHEART REALTY INCJul 2026$285,000$1833/21,557120.2
1317 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INCJul 2026$55,000$533/11,045170.2
610 S 14th Street, Palatka, FL 32177Listed by REAL BROKER LLCJun 2026$210,000$1603/11,310400.2

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$225,000
Price / Sq Ft$156
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,440
Acres0.20 acres
Year Built1940
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address621 S 18th Street, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionHillcrest
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size8,712 sq ft
Parcel Number121026685040300070

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Off Street

Interior

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne

Exterior

Patio / PorchFront Porch, Rear Porch
RoofShingle

Additional Information

Date ListedJuly 5, 2026
Days on Market30
Tax Amount$1,626.81
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM 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

This home sold on Aug 10, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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