$365,000Sold4 bd · 2 ba · 2,182 sq ft
Sold·Closed Sep 23, 2026·31 days on market
101 Lisa Lane
Palatka, FL 32177
About this home
Palatka
Welcome to 101 Lisa Ln, a beautifully renovated 4-bed, 2-bath concrete block home offering peace of mind with its durable construction and 2017 metal roof! Inside, a massive open-concept kitchen, dining, and living area with a fireplace are perfect for entertaining and gathering. Outdoor entertaining is a breeze with an expansive screened-in back porch. The versatile 4th bedroom easily doubles as an office. Recent upgrades includes new windows, a tankless natural gas water heater, new appliances, and modern kitchen cabinetry with quartz countertops. A hidden safe room adds peace of mind, while the carport and outdoor storage shed provide convenience. Ideally situated in the heart of town, you're minutes from Ravine Gardens State Park, Palatka Golf Course, the Hwy 19 commercial corridor for shopping & restaurants, and multiple St. Johns River boat ramps - an exceptional blend of comfort, location, and lifestyle. Priced to Sell below a recent appraisal value!
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).
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 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: ~1,740 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 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, 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 14 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 13 mi · St. Johns River - Deep Creek
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.
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 6:47 AM, sunset 5:34 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.
- 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): $2,648/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, 2026Closed$369,900
- Aug 26, 2026Active Under Contract$369,900
- Aug 19, 2026Price change$369,900−$10,000
- Jul 24, 2026Listed$379,900
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 $186/sq ft; this home is listed at $167/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 171 Estates Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $455,000 | $200 | 4/3 | 2,272 | 29 | 0.1 |
| 161 Crestview Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Oct 2026 | $415,000 | $179 | 4/3 | 2,315 | 146 | 0.2 |
| 155 Carole Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $340,000 | $176 | 3/2.5 | 1,927 | 17 | 0.2 |
| 247 Estates Drive, Palatka, FL 32177Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $460,000 | $199 | 4/3 | 2,315 | 44 | 0.2 |
| 341 Alabama Avenue, Palatka, FL 32177Listed by BEACH STATE REALTY | May 2026 | $315,000 | $186 | 4/3 | 1,696 | 129 | 0.2 |
| 3222 Blair Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $298,000 | $123 | 3/2 | 2,413 | 0 | 0.3 |
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: COLDWELL BANKER BEN BATES INC
Sold by: COLDWELL BANKER BEN BATES INC (buyer's brokerage)
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 Sep 23, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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