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110 KAREN Drive, Palatka, FL, 32177

4beds
2baths
1,512sqft
$249,000
$165price/sqft
$1,826/moest. monthly cost
$73,040/yrincome needed

About This Home

Centrally located in Palatka, this beautifully renovated 4-bedroom, 2-bath home offers the feel of a brand-new home with the convenience of an established location. Just minutes from shopping, restaurants, and everyday conveniences, this home features a brand-new kitchen, updated living spaces, large yard, attached spacious workshop, and a functional layout that makes it completely move-in ready. Major updates include a new metal roof, new hot water heater, and new A/C, giving buyers added peace of mind from day one. Whether you're searching for your first home or your next home, this one offers comfort, value, and long-term potential.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

3/10
Palatka High SchoolGrades 7-121.1 mi

Construction

Condition

  • Year built: 1976

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,512 sqft

Property

Details

  • Parcel number: 141026807000300020

Features

  • Stories: 1

Parking

  • Parking features: Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Putnam County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,259$15,108
Home Insurance *$277$3,324
Property Taxes $93$1,116
Electricity $197$2,366
Total$1,826$21,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,605/yr
40% on housing$54,780/yr
45% on housing$48,693/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 32177$176
Putnam County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 32177$171
Putnam County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$249,000
2026-05-26Listed for sale$249,000
2025-05-14Sold$100,000
2025-05-02Pending sale$120,000
2025-04-26Listed for sale$120,000
2025-03-28Listing removed$149,000
2025-02-21Pending sale$149,000
2025-01-31Listed for sale$149,000
2025-01-22Pending sale$149,000
2024-12-16Price change$149,000
2024-11-13Listed for sale$165,000

For Sale by Agent

AgentCHAD FREEMAN
BrokerageIHEART REALTY INC

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