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Active Under Contract

Active Under Contract·7 days on market

370 Cedar Creek Road

Palatka, FL 32177

$400,000$191/sqftEst. $2,063/moMLS# 2155939

Beds

Baths

2,092

Sq Ft

2014

Built

Garage

Pool

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

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,063

Principal & Interest: $2,063

Insurance (est.): $267

Estimated Total Monthly

$2,329

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,063

Estimated total, before insurance$2,063/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,692/yr · $308/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): $3,692/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.

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 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 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.

Features

Price$400,000

Price / Sq Ft$191

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,092

Acres0.64 acres

Year Built2014

TypeResidential

Sub-TypeMobile Home

StyleRanch

Property ConditionFixer

StatusActive Under Contract

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryJames A. Long

HighPalatka

Community Information

Address370 Cedar Creek Road, Palatka, FL 32177

Area563-East Bostwick/Bridgeport/Cedar Creek

SubdivisionBostwick

CityPalatka

CountyPutnam

StateFL

Zip Code32177

Lot Size27,878.4 sq ft

Parcel Number250827947000000360

ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingCarport, Covered, Detached, Garage, RV Access/Parking

ViewRiver

Waterfront TypeNavigable Water, Ocean Access, River Front

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories1

LevelsOne

SecuritySmoke Detector(s)