See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

102 Orange Tree Rd E, East Palatka, FL, 32131

3beds
2baths
1,523sqft
$399,000
$262price/sqft
$2,930/moest. monthly cost
$117,200/yrincome needed

About This Home

SELLER WILL PAY CLOSING COSTS WITH ACCEPTABLE OFFER WHEN USING PREFERRED LENDER. New construction designed for space and function with 10’ ceilings, 8’ doors, and LVP flooring throughout, with tile in baths. The chef-inspired kitchen features quartz counters, spacious island seating, 42” soft-close wood cabinets, and stainless appliances, refrigerator included. Baths feature quartz vanities, designer tile, and a glass-enclosed owner’s shower. The added 3-car garage offers extra storage and flexibility for vehicles, hobbies, or a workshop. Custom landscaping, irrigation, and finished garage add quality throughout. Easy access to Palatka, St. Augustine, Crescent Beach, and I-95 gives you country living with big-city convenience. Photos are not of actual house but are the same floor plan.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

3/10
Palatka High SchoolGrades 7-126.3 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Concrete Fiber Board

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Traditional
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,523
  • Total interior livable area: 1,523 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 380927140500000020
  • Zoning: R-1A

Features

  • Stories: 1
  • Entry location: Ground Level

Lot

  • Lot size: 1.01 Acres
  • Features: 1/2 to 1 Acre

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Inland Flooding
Strong Wind
Tornado
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 $2,017$24,204
Home Insurance *$257$3,084
Property Taxes $459$5,508
Electricity $197$2,366
Total$2,930$35,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,457/yr
40% on housing$87,900/yr
45% on housing$78,133/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

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 32131$209
Putnam County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 32131$182
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)

Price History

DateEventPrice
2025-10-04Listed for sale$409,999
2025-04-28Sold$60,000
2024-09-16Listed for sale$68,500
2024-05-09Listing removed--
2023-11-14Listed for sale$75,000
2023-04-14Sold$39,000
2023-03-27Pending sale$54,900
2023-01-23Listed for sale$54,900
2022-10-22Listing removed--
2022-07-05Price change$59,900
2021-11-17Price change$65,000
2021-10-21Listed for sale$70,000
2021-09-19Listing removed--
2021-06-22Price change$65,000
2021-06-05Listed for sale$70,000
2018-06-19Sold$11,500
2018-06-12Pending sale$18,890
2018-05-10Price change$18,890
2017-10-24Price change$27,000
2017-06-05Listed for sale$32,000
2016-07-08Sold$6,200
2015-09-21Listed for sale$7,800
2015-08-12Listing removed$7,800
2015-07-21Pending sale$7,800
2015-06-02Listed for sale$7,800
2015-04-28Pending sale$7,800
2014-07-10Listed for sale$7,800

For Sale by Agent

AgentBob Holmquist
BrokerageWatson Realty Corp (A1A)

Similar Homes