Sold·Closed Aug 24, 2026·1 day on market
370 Cedar Creek Road
Palatka, FL 32177
About this home
Palatka
St. Johns River living awaits at 370 Cedar Creek Rd in Palatka! This well-maintained 3-bedroom, 2.5 bath home offers 2,092 sq. ft. on a spacious .68-acre lot in one of Putnam County's most desirable river communities. Enjoy all the St. Johns River has to offer with a private dock, making boating, fishing, kayaking, and sunset cruises just steps away. The dock is ready for new decking, providing a great opportunity to customize your river access. Inside, you'll find a spacious, functional floor plan with generous living areas and plenty of room to entertain. Outside, there's ample space for your boat, RV, and outdoor toys. With auto start whole house 20KW Generac generator, this home offers the perfect blend of peaceful Old Florida charm and the waterfront lifestyle you've been searching for.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,515 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 homeAs 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.
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 7:25 AM, sunset 7:00 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.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing 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
2025 property taxes (current owner): $3,692/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.
History
Price & status history
- Aug 24, 2026Closed$400,000
- Aug 21, 2026Pending$400,000
- Jul 31, 2026Active Under Contract$400,000
- Jul 30, 2026Active$400,000
- Jul 17, 2026Listed$400,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $260/sq ft; this home is listed at $191/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 110 Cedar Creek Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $465,000 | $260 | 2/2 | 1,789 | 4 | 1.2 |
| 290 Tarpon Boulevard, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $249,900 | $143 | 3/2 | 1,747 | 11 | 1.3 |
| 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 | 1.8 |
| 202 Saint Johns Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $480,000 | $246 | 3/2 | 1,953 | 88 | 1.8 |
| 167 Slew Court, Palatka, FL 32177Listed by WATKINS REALTY GROUP | Jun 2025 | $470,000 | $234 | 4/2 | 2,008 | 123 | 2 |
| 111 E Groveland Lane, East Palatka, FL 32131Listed by TIMBER TO TIDES REALTY LLC | Jun 2026 | $900,000 | $427 | 3/3 | 2,109 | 1 | 2.2 |
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: WATSON REALTY CORP
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
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 24, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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