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524 CEDAR CREEK Road, Palatka, FL 32177

$919,000
MLS# 2136154
3
Bedrooms
3
Bathrooms
2,922
Sq Ft
1994
Year Built

About This Home — 524 CEDAR CREEK Road

Welcome to a rare, gated riverfront estate offering 128 feet of navigable waterfront along the St. Johns River--where privacy, function, and lifestyle converge on approximately 1.47 acres. Behind an elegant security gate, this 3-bedroom, 3-bath residence spans nearly 3,000 square feet and is thoughtfully designed for both comfort and accessibility, featuring wheelchair-friendly living spaces throughout. A striking Spanish-style tile-look metal roof (2021) sets the tone, complemented by fruit trees, blooming azaleas and 3 palm trees framing the river's edge. Property is high and dry in flood zone X. Inside, engineered Brazilian teak flooring (2022) flows through much of the home, while the eat-in kitchen is enhanced with leathered granite countertops (2022), , breakfast bar, & functional design overlooking the beautiful St. Johns River. 2 wood-burning fireplaces add warmth & character, and the open layout provides relaxing living and water views from most rooms.

Features

Price$919,000
Price / Sq Ft$315
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,922
Total Structure Area3,960 sq ft
Acres1.47 acres
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

Community Information

Address524 CEDAR CREEK Road, Palatka, FL 32177
Area563-East Bostwick/Bridgeport/Cedar Creek
SubdivisionMetes & Bounds
CityPalatka
CountyPutnam
StateFL
Zip Code32177
Lot Size64,033.2 sq ft
Lot Dimensions170 x 367 x 128 x 348
Parcel Number230827000000600010

Amenities

UtilitiesElectricity Connected, Other
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAttached, Carport, Garage, Garage Door Opener, Gated, RV Access/Parking
ViewRiver, Water
Waterfront TypeNavigable Water, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundrySink
Window FeaturesSkylight(s)
SecuritySecurity Fence, Security Gate, Security System Owned, Smoke Detector(s)
Spa FeaturesBath

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock, Fire Pit
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingFenced
RoofMetal
ConstructionBrick
Other StructuresWorkshop
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedMarch 22, 2026
Days on Market69
Tax Amount$8,548.94
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$919,000
$183,800
Loan Term
Monthly Payment
$4,891
Principal & Interest: $4,891
Est. Taxes & Insurance: $1,223
Estimated Total Monthly
$6,114
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: BARBARA B JENNESS PABarbara Jenness, Waterfront Specialist · Barbara@BarbaraJenness.com

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida