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Active

Active·44 days on market

321 Eagle Creek Road

Palatka, FL 32043

$619,000$239/sqftEst. $3,156/moMLS# 2151633

Beds

Baths

2,587

Sq Ft

2007

Built

Garage

Pool

About this home

Palatka

Welcome to this spacious 4-bedroom, 2.5-bath home located in the quiet Cedar Creek area of Putnam County. Situated on 1.65 acres, directly across the street from the St. Johns River, this property offers a peaceful country setting to enjoy everyday living. Inside, you'll find plenty of room for family and friends with a comfortable layout that includes open concept living spaces and well-sized bedrooms. The home is perfect for relaxing, entertaining, or simply enjoying the laid-back Florida lifestyle. Step outside and take in the river views, enjoy the fresh air, or spend your weekends fishing, boating, and exploring everything the St. Johns River has to offer. The property provides a great combination of privacy and convenience, with easy access to nearby shopping, dining, and schools. If you're looking for a spacious home in a scenic location with room to spread out, this property is a must-see.

Cost to own

Mortgage calculator

Home Price

$619,000

Down Payment: 20%

$123,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,156

Principal & Interest: $3,156

Insurance (est.): $413

Estimated Total Monthly

$3,569

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,156

Estimated total, before insurance$3,156/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,690/yr · $307/mo

• 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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,690/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2007)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,495 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 home

As of July 2026, this 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.

History

Price & status history

Jul 18, 2026Price change$619,000−$11,000
Jun 21, 2026Listed$630,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$619,000

Price / Sq Ft$239

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,587

Total Structure Area3,866 sq ft

Acres1.65 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryJames A. Long

HighPalatka

Community Information

Address321 Eagle Creek Road, Palatka, FL 32043

Area563-East Bostwick/Bridgeport/Cedar Creek

SubdivisionCedar Creek

CityPalatka

CountyPutnam

StateFL

Zip Code32043

Lot Size71,874 sq ft

Parcel Number100827134500100060

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Not Available, Water Available

SewerSeptic Tank

Water SourceWell

ParkingAttached, Garage, RV Access/Parking

ViewPond, River, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)