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Active

Active·6 days on market

106 Krantz Road

Palatka, FL 32177

$775,000$378/sqftEst. $3,997/moMLS# 2156125

Beds

Baths

2,048

Sq Ft

1992

Built

Garage

Yes

Pool

About this home

Palatka

Country Living at Its Finest! Exceptional opportunity to own this beautifully maintained private retreat on 10 pristine acres. 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 conveniences.

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,997

Principal & Interest: $3,997

Insurance (est.): $517

Estimated Total Monthly

$4,513

*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$3,997

Estimated total, before insurance$3,997/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).

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.

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 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.

Ask about this home

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 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

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.

Features

Price$775,000

Price / Sq Ft$378

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, Wall/Window Unit(s)

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)