524 Cedar Creek Rd Palatka, FL $ 950,000
524 Cedar Creek Rd
$ 950,000
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524 Cedar Creek Rd

Palatka, FL, 32177
$ 950,000
Bedrooms3 Baths3.0 Sq 3,722

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 3,722 square foot home was built in 1994 on a lot size of 1.47.

Set behind a private gate, this exceptional riverfront property offers approximately 128 feet of deep, navigable frontage along the St. Johns River—blending seclusion, usability, and a true waterfront lifestyle across roughly 1.47 acres. The residence features 3 bedrooms, 3 full baths, and nearly 3,000 square feet of thoughtfully designed living space, including wheelchair-accessible features for ease and comfort throughout. A Spanish-inspired tile-look metal roof (2021) makes a strong first impression, while mature palms, vibrant azaleas, and fruit trees frame the grounds along the water’s edge. Notably, the property is high and dry, situated in flood zone X. Inside, engineered Brazilian teak flooring (2022) carries through much of the open floor plan home. The kitchen is both functional and inviting, offering leathered granite countertops (2022), a breakfast bar, and an eat-in layout positioned to capture sweeping river views. Two wood-burning fireplaces add warmth and character. Step outside and the lifestyle takes center stage. The dock is fully equipped with water and electric, featuring a 10,000 lb. boat lift (approx. 12' x 21') and a generous wet slip (approx. 20' x 35'), providing direct access to the river. A waterfront tiki bar sets the tone for relaxed gatherings, with expansive views completing the backdrop. Great home for entertaining! Additional features include: - Detached, climate-controlled 20' x 40' workshop with potential for an accessory dwelling unit - Covered RV structure (approx. 20' x 42' x 14') with 20/30/50 amp service - Secondary gated access for RVs, boats, or equipment - Well and septic system, water softener, and reverse osmosis at kitchen sink - Attached 2-car garage - Open floor plan featuring stunning water views from almost all rooms! - Covered dock with Tiki Bar-perfect way to end the day - Huge screened back porch with wood ceiling a custom fans - Ample additional parking for guests - Newer roof, hardwood floors, granite countertops - Irrigation system servicing both front and rear grounds A rare opportunity to own a fully outfitted riverfront retreat—designed for boating, hosting, and living with intention.

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Single Family Active

Price

$ 950,000

Bedrooms

3

Full Bath

3

Property Type

Single Family

Taxes

$ 8,548

Style

Single Family Home

Lot Size

1.47

Year Built

1994

Town/City

Palatka

County/Region

Putnam

MLS | Web ID

261736

Features
General
Living Area 3722
Heating Central Electric Heat Pump
Cooling Central Electric
Water Well
Construction Brick
Status Active Active
Full Baths 3
Year Built 1994
Subdivision Bostwick
Style Single Family Home
Stories Count 1
Class RESIDENTIAL
Type Single Family Residence
New Construction Y/N No
Extras Auto Sprinkler Bedroom Downstairs Cathedral Ceiling Private Dock Fireplace Great Room Skylights Wheelchair Access Workshop Irrigation System/Well Boat Lift
Area 21 - Putnam County
Location River Front Water Front
Legal Description PT OF GOVT LOT 2 OR555 P1248 (EX OR586 P1305)(SUBJECT TO CLAY ELECT ESMT OR1137 P967)
Bank/Corporate Owned? No
Price Per Sq Ft Total AG 255.24
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Interior
Interior Amenities Ceiling Fans Chandelier Dishwasher Dryer Microwave Refrigerator Washer Window Treatments
Flooring Tile Wood
Beds 3
Master Bath Tub/Shower Separate Jetted Tub
Dining Room Length 22
Dining Room Width 17
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Exterior
Waterfront Type River
Waterfront Yes
Dock Yes
Lot Size Area 1.47
Lot Dimensions 64033
Acreage 1+ Acres
Dock Permit Permit Current
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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
1995662 Elementary School
1995546 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
4/7/2026$950,000 Listed Price

Map


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524 Cedar Creek Rd, Palatka, FL, 32177 is a Single Family Home for sale at $950,000 with 3,722 sqft and a lot size of 1.47. 524 Cedar Creek Rd has 3 bedrooms, 3.0 baths, and was built in 1994. The property's zip code is 32177 which is in Palatka, FL