$385,0003 bd · 2 ba · 1,500 sq ft
Active·19 days on market
4117 Silver Lake Drive
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
Your next chapter starts with a brand-new home, a full acre, and a sought-after Silver Lake Dr. address! Just 5 minutes from Palatka's shopping, dining, and entertainment, this home offers room to spread out with everyday conveniences close by. A split floor plan and vaulted ceilings create an inviting setting for gathering with friends and family. Features include 2x6 exterior walls, spray-foam roofline insulation, Low-E windows, LP SmartSide siding, and architectural shingles. The professionally designed interior offers luxury vinyl plank and tile flooring, tile showers, quartz countertops, soft-close cabinetry, a gas stove, and a tankless water heater. The attached carport doubles as a covered back porch and cookout area, perfect for weekend barbecues and outdoor entertaining. With a full acre, there's plenty of space for gardening, yard games, outdoor hobbies, and relaxing in the fresh air. Enjoy the space you want and the convenience you need. Schedule your private tour today!
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.
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 (the whole 1-acre lot)
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: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,529 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 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, 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
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 6:47 AM, sunset 5:34 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real sun without the western afternoon heat.
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): $242/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 21, 2026Listed$385,000
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 $176/sq ft; this home is listed at $257/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 174 Geck Road, Palatka, FL 32177Listed by MOMENTUM REALTY | Aug 2026 | $260,000 | $202 | 3/2 | 1,290 | 0 | 0.4 |
| 155 Roddy Road, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $340,000 | $259 | 3/1.5 | 1,314 | 61 | 0.7 |
| 104 Heidt Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Nov 2026 | $230,000 | $150 | 3/2 | 1,537 | 137 | 0.9 |
| 110 Karen Drive, Palatka, FL 32177Listed by IHEART REALTY INC | Sep 2026 | $249,000 | $165 | 4/2 | 1,512 | 72 | 0.9 |
| 155 Carole Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $340,000 | $176 | 3/2.5 | 1,927 | 17 | 0.9 |
| 242 Mango Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $240,000 | $156 | 4/2 | 1,534 | 185 | 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.
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: 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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Krista Fracke
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