109 OAK TREE Lane
Palatka, FL, 32177 $ 569,900
Bedrooms4 Baths3.0 Sq 3,380 Monthly Estimate*
$ 3,598
for $569,900 with 4 bedrooms and 3 full baths. This 3,380 square foot home was built in 1987 on a lot size of 0.5.
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!
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FeaturesInteriorInterior Amenities Ceiling Fan(s) Pantry Primary Bathroom -Tub with Separate Shower Vaulted Ceiling(s) Walk-In Closet(s)
Furnished Y/N Unfurnished
Total Fireplaces 1
Fireplace Features Wood Burning
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Half Baths 0
Laundry Features In Unit Sink
Total Bedrooms 4
Total Baths 3
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GeneralSewer Septic Tank
Heating Central
Cooling Central Air
Utilities Electricity Connected
Possession Close Of Escrow
Roof Metal
Appliances Dishwasher Gas Range Gas Water Heater Microwave Refrigerator Tankless Water Heater
Garage Spaces 2.0
Patio/Porch Features Covered Front Porch Side Porch
Pool Features In Ground Heated
Year Built 1987
View Pool
Stories Count 2
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Current Use Residential
Parcel Number 091026656000000080
County Putnam
New Construction 0
Property Type Residential
HOA N
Attached Garage N
Subdivision Name Metes & Bounds
Garage Y/N Y
Other Structures Shed(s)
Total Rooms 0
Full Baths 3
Status Active
Directions From SR19 & SR20 Intersection head West on SR20 Turn Right on Silver Lake Rd Continue Right on Francis Church Rd Right on Oak Tree Ln House will be on the Right
City Palatka
Senior Community Y/N N
MLS Area 561-Greater Palatka
Lot Size Units Acres
Lot Size Square Feet 21780.0
Carport Y/N N
Listing Terms Cash Conventional FHA VA Loan
Spa Features Private
Property Attached Y/N N
Tax Annual Amount 3368.15
Home Warranty Y/N N
Lease Renewal Y/N N
MLS Area Minor 561-Greater Palatka
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Active
Cash True
Conventional True
Accessory Dwelling Unit Y/N N
Water Body Access Y/N None
CDD N
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ExteriorExterior Amenities Outdoor Kitchen
Fencing Back Yard
Parking Features Garage
Lot Features Corner Lot
Water Source Well
Lot Size Area 0.5
Spa N
Building Area Total 4702.0
Lot Size Acres 0.5
Road Surface Type Asphalt
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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* Excluded FeaturesList ByTimber To Tides Realty LlcBroker
Reed.Mathews@yahoo.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $3,598
- Monthly Property Taxes
- $281
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Palatka, FL
Average List Price $336,182
Percent of Sale Price 41%
About Palatka, FL 10,344 Population
2% Since 2002
$ 24,862 Median Income
35.51 Median Age
23% Households with Children
Trends Information provided by ATTOM Data Solutions.
308105 Elementary School
308138 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 7/14/2026 | $569,900 | | Listed Price |