130 Cedar Creek Rd Palatka, FL $ 539,900
130 Cedar Creek Rd
$ 539,900
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130 Cedar Creek Rd

Palatka, FL, 32177
$ 539,900
Bedrooms4 Baths2.0 Sq 1,451

Monthly Estimate*

$ 3,409

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Single Family Home for sale in Palatka, FL

for $539,900 with 4 bedrooms and 2 full baths. This 1,451 square foot home was built in 1964 on a lot size of 0.86.

Imagine ending each day watching spectacular sunsets over the St. Johns River from your own private dock. Whether you're boating, fishing, entertaining family and friends, or simply enjoying the peaceful waterfront setting, this move-in-ready retreat delivers the Florida lifestyle buyers have been searching for. Designed with flexibility in mind, this property features a fully separate guest/in-law suite complete with its own private entrance, kitchenette, and full bathroom ideal for extended family, guests, multi-generational living, or a private home office. Outdoor enthusiasts will appreciate the private dock, boat lift, RV hookup, and the included pontoon boat, making it easy to enjoy everything the St. Johns River has to offer from day one. Major recent improvements provide added peace of mind, including a complete professional rewiring of the entire home in 2026, a brand-new electrical panel, and all inspection-related electrical work completed. This exceptional waterfront property combines comfort, versatility, and modern updates with endless opportunities for recreation and relaxation. A rare opportunity to own a turnkey riverfront home where unforgettable memories are made.

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Single Family Active

Price

$ 539,900

Bedrooms

4

Full Bath

2

Property Type

Single Family

Taxes

$ 4,554

Style

Contemporary

Lot Size

0.86

Year Built

1964

Town/City

Palatka

County/Region

Putnam

MLS | Web ID

260401

Features
General
Living Area 1451
Heating Central Electric
Cooling Central Electric
Water Well
Construction Frame Concrete Fiber Board
Status Active Active
Full Baths 2
Year Built 1964
Subdivision Cedar Creek
Style Contemporary
Stories Count 1
Class RESIDENTIAL
Type Single Family Residence
New Construction Y/N No
Extras Bulkhead Private Dock In-Law Suite Partial Fence Workshop Boat Lift
Area 21 - Putnam County
Location River Front Rural Water Front
Legal Description Pt Of Lot 1 Or 85 P138
Bank/Corporate Owned? No
Price Per Sq Ft Total AG 372.09
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Interior
Interior Amenities Ceiling Fans Dishwasher Dryer Microwave Range Refrigerator Shed Washer
Flooring Tile
Beds 4
Master Bath Shower Only
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Exterior
Waterfront Type River
Waterfront Yes
Dock Yes
Lot Size Area 0.86
Lot Dimensions 37 461
Acreage 1/2 to 1 Acre
Lot Type Regular
Dock Permit Permit Current
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* Excluded Features
List By
Watson Realty Corp (A1a)

Broker

cheryld@watsonrealtycorp.com

Email

Affordability Calculator

$3,788
Per Month
90%
10%
0%
Monthly Principal & Interest
$3,409
Monthly Property Taxes
$380
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.
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Nearby
1995662 Elementary School
1995546 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
7/15/2026$539,900 -1.30% Price Down
6/24/2026$547,000 -1.26% Price Down
6/13/2026$554,000 -1.95% Price Down
5/7/2026$565,000 -1.74% Price Down
1/22/2026$575,000 Listed Price

Map


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130 Cedar Creek Rd, Palatka, FL, 32177 is a Single Family Home for sale at $539,900 with 1,451 sqft and a lot size of 0.86. 130 Cedar Creek Rd has 4 bedrooms, 2.0 baths, and was built in 1964. The property's zip code is 32177 which is in Palatka, FL