$519,900
109 OAK TREE Lane, Palatka, FL 32177, Palatka, FL 32177
Metes & Bounds
- Price
- $519,900
- Beds / Baths
- 4 / 3
- Living area
- 3,380 sqft
- Year built
- 1987
- Type
- Residential
- Lot
- 0.5 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 36
$154/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 5% below the area's closed prices. Condition and lot vary; that's what a showing is for.
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!
What to check on this one
- Verify roof age and get 4-point inspection quote—1987 home may face insurer issues.
- Obtain flood zone designation and elevation certificate from Putnam County.
- Request roof, HVAC, and pool equipment service/replacement records.
- Confirm plumbing material (polybutylene or cast-iron risk for 1987 build).
- Get pool equipment inspection and current maintenance/repair history.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $415,920 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of TIMBER TO TIDES REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 18, 2026, 10:02 PM.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.