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Sold·Closed Apr 20, 2026·91 days on market
472 Cedar Creek Road
Palatka, FL 32177
About this home
Palatka
Charming waterfront retreat featuring 2 bedrooms and 2 baths with an open great room designed for relaxed coastal living. Enjoy tranquil water views from the screened porch, perfect for morning coffee or evening breezes. Situated on a spacious lot offering privacy, outdoor enjoyment, and room to expand-ideal for boating, fishing or simply embracing the waterfront 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 1977)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,529 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): $1,246/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 $291/sq ft; this home is listed at $283/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 442 Cedar Creek Road, Palatka, FL 32177Listed by MODERN REALTY OF FLORIDA | Sep 2026 | $545,000 | $416 | 3/2 | 1,309 | 2 | 0.3 |
| 550 Cedar Creek Road 2, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Aug 2026 | $315,000 | $255 | 2/2 | 1,233 | 61 | 0.4 |
| 104 Creek Lane, Palatka, FL 32177Listed by LPT REALTY LLC | May 2026 | $210,000 | $182 | 2/2 | 1,152 | 26 | 1.1 |
| 386 Cedar Creek Road, Palatka, FL 32177Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jan 2026 | $500,000 | $291 | 4/3 | 1,718 | 200 | 1.1 |
| 380 Cedar Creek Road, Palatka, FL 32177Listed by NICOSIA REALTY INC. | Oct 2025 | $527,500 | $413 | 3/2 | 1,276 | 193 | 1.1 |
| 356 Cedar Creek Road, Palatka, FL 32177Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLC | Dec 2025 | $355,000 | $226 | 3/2 | 1,568 | 71 | 1.3 |
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: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
Sold by: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY (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 Apr 20, 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines