Active·45 days on market
3325 S Palm Avenue
Palatka, FL 32177
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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
Welcome to this inviting, nearly new home on Palm Avenue! Built just one year ago, this home feels open and spacious from the moment you walk through the door. The vaulted ceilings add to the airy feel of the main living area, creating a comfortable space where everyone can gather without feeling crowded. The thoughtfully designed layout makes everyday living easy while still offering plenty of room to entertain family and friends. Situated on a desirable corner lot, the home also features a large, fully fenced yard with plenty of space for children and pets to play, weekend cookouts, gardening, or simply relaxing outdoors. With newer construction, a spacious interior, and an oversized yard that is already fenced, this home offers the comfort and flexibility so many buyers are looking for. Come see it for yourself and imagine making it your own!
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 2025)
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: ~1,515 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): $837/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 26, 2026Listed$235,000
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 $202/sq ft; this home is listed at $207/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2007 Sherman Avenue, Palatka, FL 32177Listed by BEACH STATE REALTY | Dec 2025 | $196,000 | $204 | 3/1 | 960 | 108 | 0.4 |
| 1814 Locust Avenue, Palatka, FL 32177Listed by SUPREME PATH BROKERAGE LLC | Aug 2026 | $165,000 | $155 | 3/1 | 1,063 | 85 | 0.6 |
| 155 Roddy Road, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $340,000 | $259 | 3/1.5 | 1,314 | 61 | 0.6 |
| 1820 Roselle Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jun 2026 | $175,000 | $124 | 2/1.5 | 1,415 | 34 | 0.6 |
| 2114 Westover Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Mar 2026 | $184,900 | $161 | 3/1 | 1,146 | 27 | 0.6 |
| 174 Geck Road, Palatka, FL 32177Listed by MOMENTUM REALTY | Aug 2026 | $260,000 | $202 | 3/2 | 1,290 | 0 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
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
Curious what nearby homes sold for?
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