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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$729,9003 bd · 2 ba · 2,048 sq ft

Active·100 days on market

106 Krantz Road

Palatka, FL 32177

$729,900$356/sqftEst. $3,979/mo mortgageMLS# 2156125
↓ $45,100 below original list
3
Beds
2
Baths
2,048
Sq Ft
1992
Built
2
Garage
Yes
Pool
House in Zone XNo HOA10.07 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

10 pristine acres that can be divided into approximately 6.4 acres with buildings and separately fenced 3.3 acre tract with well. This 3-bedroom, 2-bath ranch home features a formal living room, spacious family room, generous dining area, & a well-appointed kitchen with breakfast bar & built-in dining nook. The owner's suite includes a whirlpool tub & separate shower. Enjoy relaxing or entertaining in your backyard oasis with a sparkling in-ground pool, screened lanai, & covered patio. Additional features include a metal roof with solar panels & backup battery system providing uninterrupted power during grid outages, a 30x40 equipment workshop with front & rear garage doors, spacious pole barn, 2-car covered carport, electric access gate and mostly fenced acreage. Ideal for horses, hobby farming, RVs, boats, or equipment storage. Offering privacy, versatility, and room to grow, this exceptional property provides peaceful country living a short drive from everyday convenience.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$3,979
Estimated total, before insurance$3,979/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,921/yr · $493/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

$729,900
$145,980
Loan Term
Monthly Payment
$3,979
Principal & Interest: $3,979
Insurance (est.): $487
Estimated Total Monthly
$4,466
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

The house sits in FEMA Zone X (minimal flood hazard)

Zone AE covers 35% of this 9.9-acre lot, away from the house; the rest is Zone X (minimal) 65%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1992)

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: ~1,666 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.

As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,921/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 15, 2026Price change$729,900−$20,000
  • Aug 16, 2026Price change$749,900−$25,100
  • Aug 2, 2026Active$775,000
  • Jul 19, 2026Listed$775,000

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 $356/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
107 Krantz Road, Palatka, FL 32177Listed by HERRON REAL ESTATE LLCJan 2026$253,000$1444/21,7551160.1
102 Goldenrod Lane, Palatka, FL 32177Listed by DUCK REALTY INCOct 2026$140,000$833/21,680210.4
380 Stokes Landing Road, Palatka, FL 32177Listed by US REALTY HUBApr 2026$289,000$1803/21,608100.5
130 Woodbury Trail, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCDec 2025$780,000$3333/22,3431890.8
294 Peniel Church Road, Palatka, FL 32177Listed by IHEART REALTY INCDec 2025$259,000$1283/22,0161350.9
264 Peniel Church Road, Palatka, FL 32177Listed by MOMENTUM REALTYJul 2026$575,000$2903/21,980101

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$729,900
Price / Sq Ft$356
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,048
Total Structure Area3,248 sq ft
Acres10.07 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive
# of Garages2
# of Carport Spaces2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ElementaryKelley Smith
HighPalatka

Community Information

Address106 Krantz Road, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size438,649.2 sq ft
Parcel Number281026000001800110
ZoningAgricultural

Amenities

UtilitiesSewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport, RV Access/Parking
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Freezer, Microwave
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionAgricultural, Cleared
Patio / PorchCovered, Front Porch, Patio, Porch, Screened
FencingChain Link, Cross Fenced, Wire, Wrought Iron
ConstructionWood Siding
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedAugust 2, 2026
Days on Market100
Tax Amount$5,921.49
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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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