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  • Price cut: $50K (7/27)
    $519,900

    109 OAK TREE Lane, Palatka, FL 32177

    4beds
    3,380sqft
    : 
    $3,490/mo
    Get pre-qualified
    Single Family Residence
    Built in 1987
    0.5 Acres Lot
    $507,500 Zestimate®
    $154/sqft
    $-- HOA

    What's special

    Classic farmhouse sinkHeated poolUltimate outdoor kitchenOutdoor sinkBuilt-in grillCustom pecky cypress pantrySprawling master suite
    Welcome to your ultimate private oasis! This stunning 4-bedroom, 3-bathroom heated pool home is ready for entertaining. The Heart of the Home: A Culinary Masterpiece At the center of this residence is a chef's kitchen that perfectly blends rustic warmth with high-end functionality. Whether you are prepping a weekday dinner or catering a grand soirée, this space is fully equipped: Custom Cabinetry & Granite Countertops: Offering immense storage and beautiful, durable workspaces. Premium Details: Anchored by a classic farmhouse sink and a high-performance gas range. Coffee Bar: A dedicated station to elevate your morning routine. Custom Pecky Cypress Pantry: A gorgeous, architectural focal point providing ample, organized storage. Just off the kitchen, the welcoming living room features a cozy wood-burning fireplace--the perfect anchor for cool evenings. Directly adjacent to the living area is a versatile flex room. Ready to adapt to your lifestyle, this space is ideal for a lively game room, a quiet home office, or easily serving as a 5th bedroom. The Entertainer's Dream Backyard While the interior is spectacular, the backyard is where this property truly shines. Step through the back door into a year-round paradise: Heated Pool: Framed by elegant pavers, ensuring the pool season never has to end. Ultimate Outdoor Kitchen: A chef's dream setup featuring concrete countertops, a built-in grill, a stainless flat-top grill, a 2-burner stove, a mini fridge, and an outdoor sink to keep your drinks cold. Spa & Pergola: Wind down under the stars in your private spa, beautifully framed by a relaxing pergola. Covered Front & Back Porches: Giving you multiple spots to enjoy a morning coffee or an evening breeze in the shade. Your Personal Sanctuary & Practical Perks When it is time to unwind, the sprawling master suite offers a daily spa-like retreat: Dual Walk-In Closets: Abundant, separate wardrobe space. Dual Vanities: Ample room for busy mornings. Clawfoot Tub & Walk-In Shower: Choose between a long, deep soak or a refreshing rinse in the beautifully designed walk-in shower. The home's thoughtful layout is rounded out by practical features that make daily living a breeze. Outside, two separate driveways provide an abundance of parking for your guests, plus dedicated space for your boat, RV, and weekend toys. You'll also find a convenient storage shed on-site to keep all your lawn equipment and seasonal gear neatly organized and out of sight. This is more than just a home--it is a lifestyle. Schedule your private tour today to experience this unparalleled entertainer's dream in person!
    56 days
    634
    59

    Zillow last checked:

    Listing updated:

    Listed by:

    ANDREW REED MATHEWS 386-937-1471,

    TIMBER TO TIDES REALTY LLC 386-937-1471

    Source: realMLS,MLS#: 2155346MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater
      • Laundry: In Unit, Sink
      Features
      • Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
      • Number of fireplaces: 1
      • Fireplace features: Wood Burning
      Interior area
      • Total structure area: 4,702
      • Total interior livable area: 3,380 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage
      • Garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Covered, Front Porch, Side Porch
      • Exterior features: Outdoor Kitchen
      • Pool features: In Ground, Heated
      • Has spa: Yes
      • Spa features: Private
      • Fencing: Back Yard
      • Has view: Yes
      • View description: Pool
      Lot
      • Size: 0.5 Acres
      • Features: Corner Lot
      Details
      • Additional structures: Shed(s)
      • Parcel number: 091026656000000080

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 1987

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Well
      • Utilities for property: Electricity Connected

      Community & HOA

      Community
      • Subdivision: Metes & Bounds
      HOA
      • Has HOA: No
      Location
      • Region: Palatka

      Financial & listing details

      • Price per square foot: $154/sqft
      • Tax assessed value: $418,860
      • Annual tax amount: $3,368
      • Date on market: 8/18/2026
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Road surface type: Asphalt

        Estimated market value

        $507,500

        $482,000 - $533,000

        $2,895/mo

        Price history

        DateEventPrice
        8/18/2026Listed for sale$519,900$154/sqft
        Source: realMLS #2155346 Report a problem
        8/18/2026Pending sale$519,900$154/sqft
        Source: realMLS #2155346 Report a problem
        7/27/2026Price change$519,900-8.8%$154/sqft
        Source: realMLS #2155346 Report a problem
        7/14/2026Listed for sale$569,900$169/sqft
        Source: realMLS #2155346 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$1,313 +3.9%$418,860 +3.4%
        2023$1,264 +6.5%$405,250 +15.7%
        2022$1,187 +0.5%$350,300 +42.2%
        2021$1,181 -4.2%$246,360 +7.7%
        2020$1,232 +3.6%$228,720 +19.5%
        2018$1,189 $191,470 +114.5%
        2017$1,189 +0.5%$89,280 +5.5%
        2016$1,183 +8.2%$84,610 +0.7%
        2015$1,093 -4.8%$84,028 +0.8%
        2014$1,148 $83,361 +1.5%
        2013-- $82,129 +1.7%
        2012-- $80,756 +3%
        2011-- $78,404 +1.5%
        2010-- $77,245 +2.7%
        2009-- $75,214 +0.1%
        2008-- $75,139 +3%
        2007-- $72,950 +5.6%
        2005-- $69,098 +3%
        2004-- $67,085 +1.9%
        2003-- $65,834 +2.4%
        2002-- $64,291 +1.6%
        2001-- $63,279 +3%
        2000-- $61,436
        Find assessor info on the county website

        Monthly payment

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        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 32177

        Getting around

        7 / 100
        Car-Dependent
        41 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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