Active·86 days on market
322 S 17th Street
Palatka, FL 32177
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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
This 3-bedroom, 1-bath home offers 1,673 square feet and sits on a spacious corner lot, giving you plenty of room both inside and out. You'll get the character of an older home without the big-ticket headaches. Major updates include a metal roof, HVAC, electrical panel, and tankless water heater. Inside, you'll find hardwood and luxury vinyl plank flooring, plus a beautifully updated kitchen with white shaker cabinets, granite countertops, and stainless steel appliances. Step outside to a large, fenced backyard with room for kids, pets, your boat, or weekend get-togethers. The location is hard to beat, too. You're close to schools, shopping, restaurants, and medical facilities, with the St. Johns River just minutes away. Plus, Hank Bryan Park is right across the street, and several other parks are within walking distance. This one is the perfect mix of charm, updates, and convenience.
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: Metal — year not disclosed (home built 1951)
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: ~1,604 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): $3,027/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 15, 2026Price change$236,000−$4,000
- Jul 16, 2026Listed$240,000
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 $141/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1820 Carr Street, Palatka, FL 32177Listed by WJH BROKERAGE FL LLC | Sep 2026 | $243,990 | $189 | 3/2 | 1,290 | 142 | 0.1 |
| 611 Moseley Avenue, Palatka, FL 32177Listed by BALDWIN FAMILY REALTY LLC | Aug 2026 | $140,000 | $82 | 3/2 | 1,716 | 3 | 0.2 |
| 621 S 18th Street, Palatka, FL 32177Listed by MOMENTUM REALTY | Aug 2026 | $228,000 | $158 | 3/2 | 1,440 | 30 | 0.2 |
| 306 S 14th Street, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $285,000 | $183 | 3/2 | 1,557 | 12 | 0.2 |
| 621 S 18th Street, Palatka, FL 32177Listed by MOMENTUM REALTY | Mar 2026 | $60,000 | $42 | 3/2 | 1,440 | 3 | 0.2 |
| 610 S 14th Street, Palatka, FL 32177Listed by REAL BROKER LLC | Jun 2026 | $210,000 | $160 | 3/1 | 1,310 | 40 | 0.3 |
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: TIMBER TO TIDES REALTY LLC
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
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 home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines