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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$414,9004 bd · 3 ba · 2,930 sq ft

Active·12 days on market

2101 Carr Street

Palatka, FL 32177

$414,900$142/sqftEst. $2,262/mo mortgageMLS# 2170915
↓ $10,100 below original list
4
Beds
3
Baths
2,930
Sq Ft
1951
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA14,375 sqft lotSingle Family Residence1 story

See it this week

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 2101 Carr Street, where Southern charm meets modern comfort and resort-inspired Florida living. Beyond the gated entrance and circular driveway, discover a beautifully updated home with a split-bedroom floor plan, private master or mother-in-law suite, and dedicated theater room. Extensive improvements. Outside, a private retreat awaits with a resurfaced swimming pool, expansive paver patio, oversized fire pit, and refreshed landscaping. Fully fenced grounds, a two-car carport, and a rare underground bunker add convenience and distinctive character. Just minutes from historic Downtown Palatka and the St. Johns River, this home blends flexible living, memorable entertaining, and an easygoing Northeast Florida lifestyle.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,262
Estimated total, before insurance$2,262/mo
Seller’s 2026 tax billper the MLS — includes any CDD / assessments$3,066/yr · $255/mo
  • • 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

$414,900
$82,980
Loan Term
Monthly Payment
$2,262
Principal & Interest: $2,262
Insurance (est.): $277
Estimated Total Monthly
$2,539
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 1951)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0040061 - Palatka WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,749 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.

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

2026 property taxes (current owner): $3,066/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

  • Nov 10, 2026Price change$414,900−$10,100
  • Oct 28, 2026Active$425,000
  • Oct 24, 2026Listed$425,000

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 $116/sq ft; this home is listed at $142/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2011 Carr Street, Palatka, FL 32177Listed by COLDWELL BANKER PREMIER PROPERTIESDec 2025$305,000$1133/22,708700.1
2155 Diana Drive, Palatka, FL 32177Listed by MOMENTUM REALTYSep 2025$260,000$1274/3.52,054640.1
2129 Diana Drive, Palatka, FL 32177Listed by DJ & LINDSEY REAL ESTATEAug 2025$440,000$1165/3.53,785910.1
2118 Gillis Street, Palatka, FL 32177Listed by MOMENTUM REALTYApr 2026$345,000$1075/33,222160.2
703 Emmett Street, Palatka, FL 32177Listed by DUCK REALTY INCMar 2026$315,000$1144/22,7582820.9
107 E Cardinal Street, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCMar 2026$695,000$3243/22,148110.9

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

Price$414,900
Price / Sq Ft$142
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,930
Acres0.33 acres
Year Built1951
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric, Patio Home, Ranch
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ElementaryMoseley
HighPalatka

Community Information

Address2101 Carr Street, Palatka, FL 32177
Area561-Greater Palatka
SubdivisionHighland Pines
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size14,374.8 sq ft
Lot Dimensions122 x111
Parcel Number121026375000200010
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Carport, Circular Driveway, Covered, Other
ViewPool

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, In-Law Floorplan, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Trash Compactor
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Sink, Washer Hookup
SecuritySecurity Gate, Security Lights

Exterior

Exterior FeaturesCourtyard, Fire Pit
Lot DescriptionCorner Lot, Few Trees
Patio / PorchCovered, Front Porch, Patio, Rear Porch
FencingBack Yard, Privacy, Vinyl
RoofMetal
ConstructionBrick
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedOctober 28, 2026
Days on Market12
Tax Amount$3,065.78
Tax Year2026
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TIMBER TO TIDES REALTY 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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