424 CEDAR CREEK ROAD
Palatka, FL, 32177 $ 885,000
Bedrooms3 Baths3.0 Sq 2,323 Monthly Estimate*
$ 6,112
for $885,000 with 3 bedrooms and 3 full baths. This 2,323 square foot home was built in 2021 on a lot size of 1.26.
125 FEET OF ST. JOHNS RIVER FRONTAGE! Experience the ultimate Florida riverfront lifestyle on 1.26 fenced acres with your own private dock and incredible outdoor living space. Built just 5 years ago, this beautifully designed 3-bedroom, 3-bath home offers 2,323 heated and cooled square feet plus more than 1,300 square feet of wraparound porches crafted to take full advantage of the scenic riverfront setting. The impressive outdoor living area includes a 12x56 covered back porch overlooking the river—the perfect setting for morning coffee, family gatherings, high-end entertaining, or simply unwinding by the water. Inside, enjoy LVP flooring, granite countertops, solid wood soft-close cabinetry, and premium appliances. Complete with a 24x40 detached workshop, 3-person Jacuzzi, 24KW generator, and electric gate, 424 Cedar Creek Rd offers the space and lifestyle to make the St. Johns River your backyard! solid wood soft-close cabinetry and walk-in closets in every bedroom. The well-equipped kitchen features a gas LG double-oven range, KitchenAid electric wall oven and Samsung Bespoke refrigerator. A spacious laundry room offers additional cabinetry, a utility sink and granite countertops. This home was built with durability and efficiency in mind, featuring 2x6 exterior wall construction, ZIP System sheathing, a metal roof, hardboard siding, high-efficiency 18 SEER Trane variable-speed HVAC system, tankless gas water heater and a 24KW whole-house generator supplied by a 250-gallon propane tank. Storage and workspace are exceptional with an attached finished 2-car garage plus a detached 24x40 metal building with A/C and an additional 12x40 carport. The property also features an electric entry gate, whole-house water filtration and softener system, pump house, additional electrical capacity for future backyard improvements and a recently replaced septic pump. Riverfront, acreage, exceptional construction, more than 1,300 square feet of covered outdoor living and room for the boats, vehicles, toys and hobbies--424 Cedar Creek Rd offers the space and lifestyle to make the St. Johns River your backyard.
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FeaturesGeneralSewer Septic Tank
Heating Central
Cooling Central Air
Utilities Cable Connected Electricity Connected Sewer Connected Water Connected
Roof Metal
Appliances Built-In Oven Dishwasher Disposal Gas Water Heater Microwave Refrigerator
Zoning RESI
Garage Spaces 4
Patio/Porch Features Porch Rear Porch Wrap Around
Construction Materials Concrete Wood Frame
Year Built 2021
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
County Putnam
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name BUNCHS SUB
Facing Direction East
Garage Y/N true
Total Rooms 9
Full Baths 3
Status Active
Directions Head south on Hwy 17 toward Palatka. Left on Palmetto Bluff Rd. Left onto Cedar Creek Rd. House is on the right
City PALATKA
Senior Community Y/N false
MLS Area 32177 - Palatka
Lot Size Units Acres
Lot Size Square Feet 54886
Carport Spaces 2
Carport Y/N true
Listing Terms Cash Conventional FHA VA Loan
Land Lease Y/N false
Tax Annual Amount 9834
Additional Parcels Y/N false
Lease Considered Y/N false
Virtual Tour https://www.propertypanorama.com/instaview/stellar/O6441756
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 18
Legal Description PT OF GOVT LOTS 3 & 4 (BUNCH'S S/D UNREC LOT 18) OR110 P699
Water Access Y/N false
Water View Y/N false
Flood Zone Code X
In Law Suite YN false
Flood Zone Code X Y
DockY/N true
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InteriorInterior Amenities Eating Space In Kitchen Open Floorplan Split Bedroom
Flooring Carpet Luxury Vinyl
Furnished Y/N Negotiable
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Inside
Total Bedrooms 3
Total Baths 3
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ExteriorExterior Amenities Outdoor Kitchen
Water Source Well
Lot Size Area 1.26
Foundation Details Slab
Building Area Total 4262
Lot Size Acres 1.26
Road Surface Type Asphalt
Private Pool false
Waterfront Y/N false
Covered Spaces 6
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* Excluded FeaturesList Bymeshell@dogwoodrealtyfl.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $6,112
- Monthly Property Taxes
- $820
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% 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 $304,793
Percent of Sale Price 66%
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.
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 11/8/2026 | $885,000 | -1.56% | Price Down |
| 9/14/2026 | $899,000 | | Listed Price |