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Sold·Closed May 7, 2025·19 days on market
516 Cedar Creek Road
Palatka, FL 32177
About this home
Palatka
Delight in the opulence of 178 feet of prime frontage on the St. Johns River at 516 Cedar Creek Rd. This property is securely enclosed with a chain-link fence and a bespoke electric gate, ensuring your privacy while offering easy access. You'll be captivated by the majestic oaks that beautifully ornament the expansive grounds, enhancing the natural beauty of the locale. As you approach the property, the covered front porch, offering unimpeded panoramic vistas of the surroundings, beckons you to step inside and explore further. The kitchen, an epicurean's dream, is equipped with abundant granite countertops, a gas range, a 3-door refrigerator, an additional built-in electric oven, a microwave, and a well-appointed pantry. The master suite is your private haven, featuring dual sinks. And, if the weather turns chilly, stay cozy by the inviting wood-burning fireplace.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,676 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
A Street ramp and lotsabout 19 mi · 45 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 10 mi · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 8 mi · Saint Johns River
Closest grocery store
Publixabout 13 mi · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $6,418/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $270/sq ft; this home is listed at $331/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 370 Cedar Creek Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Aug 2026 | $400,000 | $191 | 3/2.5 | 2,092 | 1 | 1.3 |
| 162 Pioneer Trail, Green Cove Springs, FL 32043Listed by MAXREV, LLC | Jun 2025 | $575,000 | $270 | 3/2.5 | 2,132 | 154 | 1.3 |
| 162 W Horseshoe Court, Palatka, FL 32177Listed by WATKINS REALTY GROUP | Jul 2025 | $551,000 | $284 | 3/2 | 1,937 | 27 | 1.5 |
| 167 Slew Court, Palatka, FL 32177Listed by WATKINS REALTY GROUP | Jun 2025 | $470,000 | $234 | 4/2 | 2,008 | 123 | 1.6 |
| 1620 County Road 13 S, Elkton, FL 32033Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $395,000 | $212 | 3/2 | 1,860 | 68 | 2 |
| 1720 County Road 13 S, Elkton, FL 32033Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $675,000 | $301 | 4/2 | 2,246 | 61 | 2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HELEN HERSEY REALTY
Sold by: HOUSE & HAVEN (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 7, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines