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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

$525,0003 bd · 3 ba · 1,705 sq ft

Active·5 days on market

111 W McCormick Road

East Palatka, FL 32131

$525,000$308/sqftEst. $2,862/mo mortgageMLS# 2171267
3
Beds
3
Baths
1,705
Sq Ft
1950
Built
2
Garage
No
Pool
House in Zone XNo HOA6.77 acresSingle 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

East Palatka

MUST SEE! EXCEPTIONAL 6.77 ACRES WITH TONS OF POTENTIAL! Discover this unique opportunity just off SR 207 in East Palatka! Situated on 6.77 acres, this spacious 3-bedroom, 3-bathroom home has already undergone extensive improvements in 2023, including a new roof, HVAC system, tankless water heater, updated kitchen, plumbing, all-new electrical, and spray foam insulation.While many of the major updates have been completed, the home still needs some TLC and additional finishing touches, offering the perfect opportunity to add your personal style and make it your own! All appliances convey, including the washer and dryer. The property is connected to public water and sewer! With 6.77 acres and RS-2 zoning, the possibilities are worth exploring! Enjoy the space, privacy, and flexibility this property offers.

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$2,862
Estimated total, before insurance$2,862/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,188/yr · $182/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

$525,000
$105,000
Loan Term
Monthly Payment
$2,862
Principal & Interest: $2,862
Insurance (est.): $350
Estimated Total Monthly
$3,212
*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.

The house sits in FEMA Zone X (minimal flood hazard)

Zone A covers 30% of this 6.7-acre lot, away from the house; the rest is Zone X (minimal) 70%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Metal — year not disclosed (home built 1950)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,472 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

As of November 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

2025 property taxes (current owner): $2,188/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 4, 2026Active$525,000
  • Oct 28, 2026Listed$525,000

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 $145/sq ft; this home is listed at $308/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
200 Maryland Avenue, East Palatka, FL 32131Listed by US REALTY HUBDec 2025$269,900$1763/21,5361010.2
105 Old Cherry Lane, East Palatka, FL 32131Listed by DUCK REALTY INCNov 2025$165,000$1202/21,37740.3
140 W St Johns Terrace, East Palatka, FL 32131Listed by FLORIDA HOMES REALTY & MTG LLCNov 2025$225,000$1453/21,5561510.5
145 E McCormick Road, East Palatka, FL 32131Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2025$193,000$1443/21,344430.5
136 W St Johns Terrace, East Palatka, FL 32131Listed by FLORIDA HOMES REALTY & MTG LLCJun 2025$217,000$1613/1.51,3503180.5
130 W Louis Broer Road, East Palatka, FL 32131Listed by IHEART REALTY INCSep 2026$180,000$884/22,052700.6

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$525,000
Price / Sq Ft$308
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,705
Acres6.77 acres
Year Built1950
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryBrowning Pearce
HighPalatka

Community Information

Address111 W McCormick Road, East Palatka, FL 32131
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionMetes & Bounds
CityEast Palatka
CountyPutnam
StateFL
Zip Code32131
Lot Size294,901.2 sq ft
Parcel Number081027000000700000

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry
AppliancesDishwasher, Double Oven, Electric Range, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionMany Trees
Patio / PorchCovered, Rear Porch
RoofMetal
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 4, 2026
Days on Market5
Tax Amount$2,187.83
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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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