Active·39 days on market
108 Roberts Road 1
East Palatka, FL 32131
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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
East Palatka
INVESTOR SPECIAL/TLC OPPORTUNITY! Bring your vision and unlock the possibilities at 108 Roberts Road in East Palatka! Situated on 1.47 private acres in a quiet setting on a private road, this property offers plenty of room & potential for the buyer ready to take on a project. The 1994 home features 2 bedrooms, 1 bath and 1,456 sq ft. The property also includes a 30x50 pole barn with concrete floors and separate storage shed. Well and septic are functioning and reported in good condition, as well as metal roof installed approx. 6 years ago and regularly maintained A/C. An additional 1945 2/1 structure is located on the property but is considered to need complete update; safety and usability are unknown. With acreage, privacy, existing utilities and multiple possibilities, this could be a great opportunity for an investor, renovator or buyer looking to create their own vision. Property is being sold AS-IS. Washer/dryer and appliances convey.
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: material not specified — year not disclosed (home built 1994)
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: ~1,630 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $887/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 21, 2026Price change$149,900−$10,000
- Sep 2, 2026Active$159,900
- Sep 1, 2026Pending$159,900
- Aug 15, 2026Listed$159,900
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 $172/sq ft; this home is listed at $103/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 136 W St Johns Terrace, East Palatka, FL 32131Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2025 | $217,000 | $161 | 3/1.5 | 1,350 | 318 | 1.9 |
| 226 River Drive, East Palatka, FL 32131Listed by HERRON REAL ESTATE LLC | Jul 2026 | $245,000 | $134 | 4/2 | 1,835 | 83 | 2 |
| 231 E State Road 100, San Mateo, FL 32187Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $364,000 | $236 | 3/2 | 1,545 | 113 | 2.1 |
| 110 Big Apple Road, East Palatka, FL 32131Listed by YOUR CHOICE REAL ESTATE | Jul 2026 | $244,999 | $172 | 4/2 | 1,428 | 243 | 2.1 |
| 122 Culpepper Road, San Mateo, FL 32187Listed by HOMECOIN.COM | Jun 2026 | $189,000 | $175 | 3/2 | 1,080 | 230 | 2.1 |
| 108 Big Apple Road, East Palatka, FL 32131Listed by YOUR CHOICE REAL ESTATE | May 2026 | $243,999 | $171 | 4/2 | 1,428 | 219 | 2.1 |
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.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: IHEART REALTY 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
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
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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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines