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Active

Active·6 days on market

125 Key Road

Palatka, FL 32177

$850,000$339/sqftEst. $4,383/moMLS# 2154727

Beds

Baths

2,509

Sq Ft

1955

Built

Garage

Pool

About this home

Palatka

1% CREDIT TO BUYER IF USING OUR PREFERRED LENDER! PLUS THIS PROPERTY HAS A 2.99% ASSUMABLE LOAN! Welcome to your own private country retreat in the small town of Bardin, a close knit community surrounded by natural beauty and open spaces where neighbors know and look out for one another. This beautifully remodeled 5 bedroom, 2 bath home combines modern updates with the peaceful lifestyle you've been dreaming of. Every major improvement has been completed, including a new HVAC system, on demand hot water heater, metal roof, well pump, flooring, interior and exterior paint, new $3000 refrigerator, and a whole-house water filtration system with reverse osmosis, making this home truly move in ready. Arrive home each day on your private driveway lined with majestic oak trees and natural beauty. Whether you're looking for a hobby farm, equestrian property, family compound, or simply room to roam, this property is ready for it all. Bring your chickens

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,383

Principal & Interest: $4,383

Insurance (est.): $567

Estimated Total Monthly

$4,950

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$4,383

Estimated total, before insurance$4,383/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,160/yr · $430/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,160/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.

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: Metal — year not disclosed (home built 1955)

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: ~1,747 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 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.

History

Price & status history

Jul 30, 2026Active$850,000
Jul 9, 2026Listed$850,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$850,000

Price / Sq Ft$339

Bedrooms5

Bathrooms2.00

Full Baths2

Square Footage2,509

Acres22.46 acres

Year Built1955

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address125 Key Road, Palatka, FL 32177

Area562-Bardin/West Bostwick

SubdivisionMetes & Bounds

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size978,357.6 sq ft

Parcel Number170926000004000000

ZoningAgricultural

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourcePrivate, Well

Green / EnergyAppliances, Thermostat

ParkingAdditional Parking, Carport, Detached Carport, Garage, Guest, Off Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Instant Hot Water, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup