No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Jan 23, 2026·200 days on market
386 Cedar Creek Road
Palatka, FL 32177
About this home
Palatka
Welcome to 386 Cedar Creek Rd—your serene escape on the St. Johns River. Set on 2 private, tree-lined acres, this beautifully updated 4-bedroom, 3-bathroom home offers the perfect blend of nature, comfort, and waterfront living. Enjoy expansive river views from your screened lanai or open-air patio, where peaceful mornings and breathtaking sunsets become part of your daily routine. A true boater's dream, the property features a 340-foot dock with two boat lifts (16,000 lb & 8,000 lb) offering effortless access to the water for fishing, cruising, or exploring Florida's iconic waterways. Inside, you'll find 1,700 square feet of thoughtfully updated living space with two cozy fireplaces and a warm, inviting atmosphere. The property also includes a 20x40 garage—perfect for storing boats, vehicles, or creating a workshop—and two RV hookups, making it ideal for hosting guests or accommodating your adventurous lifestyle.
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: Metal — year not disclosed (home built 1988)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,449 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
Minnie Stabout 18 mi · 20 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 9 mi · 4.1 mi of trails
Closest public boat ramp
McCullough Creek at County Road 13 Primitive Access (Not Recommended)about 2 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 9 mi · Saint Johns River
Closest grocery store
Publixabout 13 mi · 250 Plaza Blvd, 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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:32 AM, sunset 6:50 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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): $5,568/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 $217/sq ft; this home is listed at $311/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 | 0 |
| 356 Cedar Creek Road, Palatka, FL 32177Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLC | Dec 2025 | $355,000 | $226 | 3/2 | 1,568 | 71 | 0.1 |
| 380 Cedar Creek Road, Palatka, FL 32177Listed by NICOSIA REALTY INC. | Oct 2025 | $527,500 | $413 | 3/2 | 1,276 | 193 | 0.1 |
| 543 Palmetto Bluff Road, Palatka, FL 32177Listed by ANCHOR REALTY JAX | Oct 2026 | $272,900 | $205 | 3/2 | 1,334 | 81 | 0.8 |
| 541 Palmetto Bluff Road, Palatka, FL 32177Listed by ANCHOR REALTY JAX | Aug 2026 | $289,900 | $217 | 3/2 | 1,334 | 45 | 0.8 |
| 112 Donald R Boulevard, Palatka, FL 32177Listed by WATSON REALTY CORP | Feb 2026 | $115,000 | $79 | 3/2 | 1,456 | 130 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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.
Keep looking
Similar homes in Palatka
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jan 23, 2026. 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines