524 CEDAR CREEK Road Palatka, FL $ 950,000
524 CEDAR CREEK Road
$ 950,000
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524 CEDAR CREEK Road

Palatka, FL, 32177
$ 950,000
Bedrooms3 Baths3.0 Sq 2,922

Monthly Estimate*

$ 5,849

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Single Family Home for sale in Palatka, FL

for $950,000 with 3 bedrooms and 3 full baths. This 2,922 square foot home was built in 1994 on a lot size of 1.47.

Welcome to a rare, gated riverfront estate offering 128 feet of navigable waterfront along the St. Johns River--where privacy, function, and lifestyle converge on approximately 1.47 acres. Behind an elegant security gate, this 3-bedroom, 3-bath residence spans nearly 3,000 square feet and is thoughtfully designed for both comfort and accessibility, featuring wheelchair-friendly living spaces throughout. A striking Spanish-style tile-look metal roof (2021) sets the tone, complemented by fruit trees, blooming azaleas and three stately palm trees framing the river's edge. Notably, the property is not located in a flood zone . Inside, engineered Brazilian teak flooring (2022) flows through much of the home, while the eat-in kitchen is enhanced with leathered granite countertops (2022), , breakfast bar, & functional design overlooking the beautiful St. Johns River. Two wood-burning fireplaces add warmth & character, and the open layout supports both everyday living & entertaining Outdoors, the property is fully equipped for waterfront living. Enjoy a 10,000 lb. boat lift (12' x 21'), a spacious wet slip (approximately 20' x 35'), and direct access to navigable water. Dock has water and electric. The tiki bar creates an inviting setting for gatherings, while the dock and river views complete the experience. Additional improvements and features include: - Detached climate-controlled workshop (20' x 40') could be used as Accessary Dwelling Unit. - Covered RV structure (approximately 20' x 42' x 14') with 20/30/50 amp receptacles - Second gated entrance for RV and equipment access - Well and septic system, water softener, and reverse osmosis at kitchen sink - Attached 2-car garage - Plenty of additional parking - room for all your guests! - Irrigation System for front and back of the property This is more than a home--it's a fully equipped waterfront property designed for boating, entertaining, and living without compromise.

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Single Family Active

Price

$ 950,000

Bedrooms

3

Full Bath

3

Property Type

Single Family

Taxes

$ 8,548

Style

Ranch

Lot Size

1.47

Year Built

1994

Town/City

Palatka

County/Region

Putnam

MLS | Web ID

2136154

Features
Interior
Interior Amenities Breakfast Bar Breakfast Nook Ceiling Fan(s) Kitchen Island Open Floorplan Primary Bathroom -Tub with Separate Shower Primary Downstairs Split Bedrooms Vaulted Ceiling(s) Walk-In Closet(s)
Flooring Tile Wood
Furnished Y/N Partially
Total Fireplaces 2
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 Sink
Total Bedrooms 3
Total Baths 3
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General
Sewer Septic Tank
Heating Central Electric Heat Pump
Cooling Central Air Electric
Utilities Electricity Connected Other
Possession Close Of Escrow
Roof Metal
Appliances Convection Oven Dishwasher Double Oven Dryer Electric Cooktop Electric Water Heater Microwave Refrigerator Washer Water Softener Owned
Garage Spaces 2.0
Patio/Porch Features Covered Front Porch Rear Porch Screened
Architectural Style Ranch
Security Features Security Fence Security Gate Security System Owned Smoke Detector(s)
Construction Materials Brick
Year Built 1994
View River Water
Stories Count 1
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Current Use Residential Single Family
Parcel Number 230827000000600010
Waterfront Features Navigable Water River Front
Accessibility Accessible Bedroom Accessible Central Living Area Accessible Closets Accessible Common Area Accessible Entrance Accessible Full Bath Accessible Hallway(s) Accessible Kitchen
County Putnam
New Construction 0
Property Type Residential
HOA N
Attached Garage Y
Subdivision Name Metes & Bounds
Facing Direction East
Garage Y/N Y
Other Structures Workshop
Total Rooms 13
Full Baths 3
Status Active
Directions From Palatka take Hwy 17 north to right on Palmetto Bluff Road. At the end of the road take a left on Cedar Creek Road and continue to 524 on the right. Welcome to your Riverfront Estate!
City Palatka
Senior Community Y/N N
MLS Area 563-East Bostwick/Bridgeport/Cedar Creek
Lot Size Units Acres
Lot Size Square Feet 64033.2
Carport Spaces 2.0
Carport Y/N Y
Listing Terms Cash Conventional
Spa Features Bath
Property Attached Y/N N
Tax Annual Amount 8548.94
Home Warranty Y/N N
Lease Renewal Y/N N
MLS Area Minor 563-East Bostwick/Bridgeport/Cedar Creek
Lease Considered Y/N N
Rent Control Y/N N
Virtual Tour https://www.zillow.com/view-imx/c3496181-00ad-4fe3-b259-3a7484c916ad?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard
Standard Status Active
Cash True
Conventional True
ADU N
Accessory Dwelling Unit Y/N Y
Water Body Access Y/N None
CDD N
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Exterior
Exterior Amenities Boat Lift Boat Slip Dock Fire Pit
Fencing Fenced
Parking Features Attached Carport Garage Garage Door Opener Gated RV Access/Parking
Lot Features Sprinklers In Front Sprinklers In Rear
Water Source Private Well
Lot Size Area 1.47
Spa N
Building Area Total 3960.0
Lot Dimensions 170 x 367 x 128 x 348
Lot Size Acres 1.47
Road Surface Type Asphalt
Waterfront Y/N Y
Road Frontage Type County Road
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 524
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* Excluded Features
List By
Barbara B Jenness Pa

Broker

Barbara@BarbaraJenness.com

Email

Affordability Calculator

$6,562
Per Month
89%
11%
0%
Monthly Principal & Interest
$5,849
Monthly Property Taxes
$712
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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
308105 Elementary School
308138 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
3/22/2026$950,000 Listed Price

Map


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524 CEDAR CREEK Road, Palatka, FL, 32177 is a Single Family Home for sale at $950,000 with 2,922 sqft and a lot size of 1.47. 524 CEDAR CREEK Road has 3 bedrooms, 3.0 baths, and was built in 1994. The property's zip code is 32177 which is in Palatka, FL