Sold·Closed Sep 3, 2026·2 days on market
442 Cedar Creek Road
Palatka, FL 32177
About this home
Palatka
Beautiful retreat on the St. Johns River. Country setting that is convenient to the First Coast Expressway with easy commute to Orange Park. Two manicured acres with beautiful live oak trees lining the circular drive. Peaceful river views from the enclosed porch overlooking the dock and bulkheaded riverfront. Detached garage has large workshop with french doors. Home has brand new heat pump, front deck with wheelchair ramp, split bedroom plan, large utility room and large dining room. These properties are getting harder and harder to find, don't miss out on this golden opportunity to have your year round or dream vacation home!
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 (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: material not specified — year not disclosed (home built 1973)
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: ~1,326 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,020/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
- Sep 3, 2026Closed$595,000
- Jul 24, 2026Pending$595,000
- Jul 23, 2026Active Under Contract$595,000
- Jul 22, 2026Active$595,000
- Jul 20, 2026Listed$595,000
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 $217/sq ft; this home is listed at $455/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 550 Cedar Creek Road 2, Palatka, FL 32177Listed by GREAT EXPECTATIONS REALTY | Aug 2026 | $315,000 | $255 | 2/2 | 1,233 | 61 | 0.7 |
| 541 Palmetto Bluff Road, Palatka, FL 32177Listed by ANCHOR REALTY JAX | Aug 2026 | $289,900 | $217 | 3/2 | 1,334 | 45 | 1.3 |
| 117 Mackerel Avenue, Palatka, FL 32177Listed by MAXREV, LLC | Jul 2026 | $247,900 | $188 | 3/2 | 1,321 | 8 | 1.4 |
| 120 Barracuda Drive, Palatka, FL 32177Listed by INTERLACHEN REALTY SERVICES, INC | Jun 2026 | $155,000 | $108 | 3/2 | 1,440 | 42 | 1.5 |
| 137 Bonita Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $160,000 | $148 | 2/2 | 1,078 | 157 | 1.7 |
| 152 Pioneer Trail, Palatka, FL 32043Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $500,000 | $340 | 3/2 | 1,469 | 30 | 1.8 |
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: MODERN REALTY OF FLORIDA
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 Sep 3, 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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