$729,9003 bd · 2 ba · 2,048 sq ft
Active·100 days on market
106 Krantz Road
Palatka, FL 32177

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.
- • 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.
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.
Closest park or preserve
Deep Creek Conservation Areaabout 16 mi · 4.1 mi of trails
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 107 Krantz Road, Palatka, FL 32177Listed by HERRON REAL ESTATE LLC | Jan 2026 | $253,000 | $144 | 4/2 | 1,755 | 116 | 0.1 |
| 102 Goldenrod Lane, Palatka, FL 32177Listed by DUCK REALTY INC | Oct 2026 | $140,000 | $83 | 3/2 | 1,680 | 21 | 0.4 |
| 380 Stokes Landing Road, Palatka, FL 32177Listed by US REALTY HUB | Apr 2026 | $289,000 | $180 | 3/2 | 1,608 | 10 | 0.5 |
| 130 Woodbury Trail, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Dec 2025 | $780,000 | $333 | 3/2 | 2,343 | 189 | 0.8 |
| 294 Peniel Church Road, Palatka, FL 32177Listed by IHEART REALTY INC | Dec 2025 | $259,000 | $128 | 3/2 | 2,016 | 135 | 0.9 |
| 264 Peniel Church Road, Palatka, FL 32177Listed by MOMENTUM REALTY | Jul 2026 | $575,000 | $290 | 3/2 | 1,980 | 10 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
Keep looking
More homes in Metes & Bounds
Keep looking
Similar homes in Palatka
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines





