Sold·Closed Aug 21, 2026·16 days on market
115 Sunset Point Road
East Palatka, FL 32131
About this home
East Palatka
Enjoy stunning views of the St. Johns River from most rooms in this beautifully maintained waterfront home. This lovely property offers exceptional sunset views and an ideal setting for relaxing and entertaining. The concrete block home features 3 bedrooms and 2 bathrooms and has been thoughtfully updated over the years with tile flooring throughout, upgraded windows that fill the home with natural light, and updated kitchen and bathrooms. Take in vistas from the bright Florida room, spacious dining room, and cozy den with a lovely stone fireplace. Additional features include a 2-car garage with a workshop area, a large storage shed, private dock, fenced yard, automatic generator, durable metal roof, and both public water and sewer, plus a private well for added convenience and flexibility. This property is the ideal spot to take in the fireworks over historic Palatka and have a watch party for the annual Mug Race and other events. Easy drive to St. Augustine and area beaches.
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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Metal, Other — year not disclosed (home built 1956)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,626 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,407/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 21, 2026Closed$550,000
- Aug 11, 2026Pending$550,000
- Jul 23, 2026Active Under Contract$550,000
- Jul 8, 2026Listed$550,000
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 $134/sq ft; this home is listed at $345/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 226 River Drive, East Palatka, FL 32131Listed by HERRON REAL ESTATE LLC | Jul 2026 | $245,000 | $134 | 4/2 | 1,835 | 83 | 0.4 |
| 136 W St Johns Terrace, East Palatka, FL 32131Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2025 | $217,000 | $161 | 3/1.5 | 1,350 | 318 | 0.5 |
| 412 Madison Street, Palatka, FL 32177Listed by BEACH STATE REALTY | Mar 2026 | $158,000 | $123 | 3/2 | 1,288 | 146 | 1.2 |
| 130 W Louis Broer Road, East Palatka, FL 32131Listed by IHEART REALTY INC | Sep 2026 | $180,000 | $88 | 4/2 | 2,052 | 70 | 1.3 |
| 114 E River Road, East Palatka, FL 32131Listed by MAXREV, LLC | Aug 2026 | $75,000 | $57 | 2/1 | 1,324 | 10 | 1.3 |
| 117 Hotel Street, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $675,000 | $328 | 3/3.5 | 2,056 | 131 | 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: COLDWELL BANKER BEN BATES 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 21, 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.
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