Active·1 day on market
100 Sherri Lane
Palatka, FL 32177
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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
Palatka
Enjoy the space, flexibility, and comfort this beautiful brick home has to offer! With over 3,100 sq. ft. of living space, this home is ideal for multi-generational living, extended family, or hosting guests while maintaining privacy. The main home offers 3 bedrooms and 3 baths, complemented by an attached efficiency apartment with a full kitchen, bath, walk-in closet, and living/bedroom area. Gather around the fireplace in the spacious living room, enjoy casual meals in the kitchen's breakfast nook, or entertain in the formal living and dining rooms. A dedicated office provides the perfect work-from-home space. The generous primary suite offers a relaxing retreat, while the large Florida room invites year-round entertaining and overlooks an oversized backyard with room for a pool. Fresh interior paint and new carpet add a fresh feel. An oversized 2-car garage and circular driveway provide plenty of parking. A home designed for comfortable living and room to grow!
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 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,682 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 October 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.
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 15 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 14 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,265/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
- Oct 20, 2026Listed$499,900
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 $165/sq ft; this home is listed at $160/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 103 Stephanie Street, Palatka, FL 32177Listed by EAZ REALTY LLC | May 2026 | $489,000 | $211 | 3/3 | 2,320 | 366 | 0.2 |
| 114 E Camelot Drive, Palatka, FL 32177Listed by CENTURY 21 BECKHAM REALTY | May 2025 | $530,265 | $155 | 4/3.5 | 3,412 | 46 | 0.3 |
| 102 Round Lake Circle, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | May 2025 | $475,000 | $170 | 4/2.5 | 2,802 | 60 | 0.4 |
| 229 Davis Lake Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | May 2026 | $399,900 | $145 | 4/2.5 | 2,760 | 177 | 0.5 |
| 100 Redbud Woods Trail, Palatka, FL 32177Listed by BEACH STATE REALTY | Sep 2025 | $420,000 | $165 | 4/3.5 | 2,546 | 83 | 0.8 |
| 103 Point Of Woods Trail, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | May 2025 | $350,000 | $150 | 3/2 | 2,339 | 149 | 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
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
Broker Associate
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