Active Under Contract·79 days on market
219 Halsey Street
Palatka, FL 32177
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palatka
219 Halsey St offers a RARE OPPORTUNITY to own a practically brand-new home at a used-home price!!! Built in the heart of Palatka in 2024, this 3-bedroom, 2-bath residence blends modern construction with thoughtful extra. Durable concrete block construction paired with a metal roof provides long-term stability and peace of mind, paired with modern features like an instant tankless gas water heater. A 624 sq ft metal building plus 336 sq ft carport in the back provides ideal space for storage, hobbies, or equipment. The property includes a private well for irrigation and is mostly fenced, with a full perimeter fence to be completed by Closing. With its fresh construction, added utility features, and central location, this home delivers exceptional value and convenience in one compelling package!
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 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,246 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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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): $2,635/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 28, 2026Active Under Contract$239,900
- Sep 16, 2026Price change$239,900−$10,000
- Jul 23, 2026Listed$249,900
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 $187/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3201 Weaver Road, Palatka, FL 32177Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $136,500 | $137 | 2/1 | 997 | 15 | 0.3 |
| 3308 Ross Circle, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $198,000 | $206 | 3/2 | 960 | 235 | 0.3 |
| 102 Fernwood Street, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2025 | $183,000 | $187 | 3/2 | 981 | 24 | 0.3 |
| 2213 Gillis Street, Palatka, FL 32177Listed by SMILEEHOUSE AUCTION CO LLC | Nov 2025 | $79,000 | $83 | 2/1 | 952 | 7 | 0.4 |
| 120 E Oak Hill Drive, Palatka, FL 32177Listed by LANTERN REALTY, LLC. | Jul 2026 | $199,900 | $165 | 3/1 | 1,210 | 69 | 0.5 |
| 113 W Oak Hill Drive, Palatka, FL 32177Listed by RE/MAX SPECIALISTS | Apr 2026 | $165,000 | $194 | 2/1 | 849 | 187 | 0.5 |
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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Krista Fracke
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