Sold·Closed Aug 19, 2026·30 days on market
152 Pioneer Trail
Palatka, FL 32043
About this home
Palatka
Experience living just off the St Johns River on beautiful Cedar Creek in this custom-built, two-story A-Frame log home. Offering distinctive living space, this one-of-a-kind home showcases soaring 22-foot ceilings, tongue-and-groove walls, handcrafted doors, pine & bamboo flooring, & countless custom details throughout. The open-concept great room is highlighted by dramatic floor-to-ceiling windows providing breathtaking views of the property's winding boardwalk that meanders through native Florida landscape to the waterfront which features a dock with a covered boathouse. The first floor offers two bedrooms and a full bath, while the spacious second-floor owner's suite serves as a private retreat with its own private deck, sitting area with wet bar overlooking the great room. This rare Cedar Creek waterfront property offers rustic character, modern comfort, & direct access to the St Johns River, creating an extraordinary opportunity for those seeking a peaceful waterfront sanctuary.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: Metal — year not disclosed (home built 2007)
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: ~1,457 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,577/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 21, 2026Closed$500,000
- Jul 27, 2026Active Under Contract$500,000
- Jul 21, 2026Listed$500,000
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 $299/sq ft; this home is listed at $340/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 110 Pioneer Trail, Green Cove Springs, FL 32043Listed by LOKATION | Jul 2026 | $549,000 | $368 | 3/2 | 1,492 | 54 | 0.4 |
| 215 Pioneer Trail, Green Cove Springs, FL 32043Listed by FATHOM REALTY FL, LLC. | Nov 2025 | $530,000 | $299 | 3/2.5 | 1,770 | 34 | 0.5 |
| 550 Cedar Creek Road 2, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Aug 2026 | $315,000 | $255 | 2/2 | 1,233 | 61 | 1.1 |
| 442 Cedar Creek Road, Palatka, FL 32177Listed by MODERN REALTY OF FLORIDA | Sep 2026 | $545,000 | $416 | 3/2 | 1,309 | 2 | 1.8 |
| 6589 Seldom Rest Road, Green Cove Springs, FL 32043Listed by ZORI REALTY | Sep 2026 | $400,000 | $275 | 3/2 | 1,456 | 45 | 2.4 |
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: COLDWELL BANKER BEN BATES INC
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
This home sold on Aug 19, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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