524 CEDAR CREEK Road, Palatka, FL 32177 (MLS# 2136154)

524 CEDAR CREEK Road, Palatka, FL 32177

$899,000

Virtual Tour

https://www.zillow.com/view-imx/c3496181-00ad-4fe3-b259-3a7484c916ad?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Cooktop and dishwasher overlooking breakfast nook

Large walk-in shower with 2 shower heads

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 3,960 Lot Size (sq. ft.): 64,033 Status: Active

Current Price: $899,000 List Date: 3/22/2026 Last Modified: 7/01/2026

Overview

Description

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.

Supplements: Outdoors, the property is fully equipped for waterfront living. Enjoy a 10,000 lb. boat lift (12' x 21'), a spacious wet slip (approximately 20' x 35'), and direct access to navigable water. Dock has water and electric. The tiki bar creates an inviting setting for gatherings, while the dock and river views complete the experience. Additional impro ... (Read more)

Listing Details MLS# 2136154

General Property Information

Bedrooms Total: 3
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2922
Living Area Source: Public Records
Building Area Total: 3960
Year Built: 1994
Accessory Dwelling Unit Y/N: Yes
Homestead YN: Yes
Lot Size Acres: 1.47
Lot Size Dimensions: 170 x 367 x 128 x 348
Association YN: No
CDD Fee YN: No
Accessibility Features YN: Yes
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: Yes
Carport Spaces: 2
Pool Private YN: No
Water Body Access YN: Yes
Waterfront YN: Yes
Water Frontage Feet: 128
Furnished: Partially
Stories: Yes
Senior Community YN: No
Direction Faces: East
Directions: From Palatka take Hwy 17 north to right on Palmetto Bluff Road. At the end of the road take a left on Cedar Creek Road and continue to 524 on the right. Welcome to your Riverfront Estate!
Public Remarks: 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.
List Price/SqFt: 307.67
Bathrooms Half: 0

Property Features

Architectural Style: Ranch Levels: One Accessibility Features: Accessible Bedroom; Accessible Central Living Area; Accessible Closets; Accessible Common Area; Accessible Entrance; Accessible Full Bath; Accessible Hallway(s); Accessible Kitchen Rental Restrictions: No Minimum Appliances: Convection Oven; Dishwasher; Double Oven; Dryer; Electric Cooktop; Electric Water Heater; Microwave; Refrigerator; Washer; Water Softener Owned Fireplace Features: Wood Burning Interior Features: Breakfast Bar; Ceiling Fan(s); Eat-in Kitchen; Kitchen Island; Open Floorplan; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Skylight(s); Split Bedrooms; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Tile; Wood Laundry Features: Sink Utilities: Electricity Connected; Other Cooling: Central Air Heating: Central; Electric; Heat Pump Electric: 200+ Amp Service Water Source: Private; Well Sewer: Septic Tank Security Features: Security Fence; Security Gate; Security System Owned; Smoke Detector(s) Construction Materials: Brick Other Structures: Workshop Exterior Features: Boat Lift; Boat Slip; Dock; Fire Pit Patio And Porch Features: Covered; Front Porch; Rear Porch; Screened Spa Features: Bath Roof: Metal Parking Features: Attached; Carport; Garage; Garage Door Opener; Gated; RV Access/Parking Lot Features: Sprinklers In Front; Sprinklers In Rear View: River; Water Water Body Access Type: Navigable; Owned Waterfront Features: Navigable Water; River Front Fencing: Fenced Current Use: Residential; Single Family Road Frontage Type: County Road Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional Room Types: Bathroom 1; Bathroom 2; Bathroom 3; Bedroom 2; Bedroom 3; Dining Room; Kitchen; Laundry; Living Room; Primary Bedroom; Workshop; Other Room

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-03-22

Location Tax and Legal

Street Number: 524
Street Name: CEDAR CREEK
Street Suffix: Road
County: Putnam
State: FL
Postal Code: 32177
MLS Area Major: 563-East Bostwick/Bridgeport/Cedar Creek
Subdivision Name: Metes & Bounds

Status Change Information

Major Change Timestamp: 2026-07-01T18:07:47Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-07-01T18:07:47Z

Accessory Dwelling Information

Dwelling Type: Other
ADU Attached Y/N: No

More Information

Fireplace Features

Fireplaces Total: 2
Wood Burning: Yes

DPR Eligible

DPR Eligible: No

Room Types

Bathroom 1 Level: Main
Bathroom 2 Level: Main
Bathroom 3 Level: Main
Bedroom 2 Level: Main
Bedroom 3 Level: Main
Dining Room Level: Main
Kitchen Level: Main
Laundry Level: Main
Living Room Level: Main
Primary Bedroom Level: Main
Bathroom 1: Yes
Bathroom 2: Yes
Bathroom 3: Yes
Bedroom 2: Yes
Bedroom 3: Yes
Dining Room: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Primary Bedroom: Yes
Workshop: Yes
Other Room: Yes

Location, Tax, and Legal

Country: US
Parcel Number: 230827000000600010
Tax Annual Amount: 8548.94
Tax Year: 2025
Tax Legal Description: PT OF GOVT LOT 2 OR555 P1248, (EX OR586 P1305)(SUBJECT TO, CLAY ELECT ESMT OR1137 P967)

Accessibility Features

Accessible Bedroom: Yes
Accessible Central Living Area: Yes
Accessible Closets: Yes
Accessible Common Area: Yes
Accessible Entrance: Yes
Accessible Full Bath: Yes
Accessible Hallway(s): Yes
Accessible Kitchen: Yes

Appliances

Convection Oven: Yes
Dishwasher: Yes
Double Oven: Yes
Dryer: Yes
Electric Cooktop: Yes
Electric Water Heater: Yes
Microwave: Yes
Refrigerator: Yes
Washer: Yes
Water Softener Owned: Yes

Construction Materials

Brick: Yes

Cooling

Central Air: Yes
Electric: Yes

Current Use

Residential: Yes
Single Family: Yes

Electric

200+ Amp Service: Yes

Exterior Features

Boat Lift: Yes
Boat Slip: Yes
Dock: Yes
Fire Pit: Yes

Fencing

Fenced: Yes

Flooring

Tile: Yes
Wood: Yes

Heating

Central: Yes
Electric: Yes
Heat Pump: Yes

Laundry Features

Sink: Yes

Levels

One: Yes

Listing Terms

Cash: Yes
Conventional: Yes

Lot Features

Sprinklers In Front: Yes
Sprinklers In Rear: Yes

Other Structures

Workshop: Yes

Parking Features

Attached: Yes
Carport: Yes
Garage: Yes
Garage Door Opener: Yes
Gated: Yes
RV Access/Parking: Yes

Possession

Close Of Escrow: Yes

Road Frontage Type

County Road: Yes

Road Surface Type

Asphalt: Yes

Roof

Metal: Yes

Security Features

Security Fence: Yes
Security Gate: Yes
Security System Owned: Yes
Smoke Detector(s): Yes

Sewer

Septic Tank: Yes

Spa Features

Bath: Yes

Utilities

Electricity Connected: Yes
Other: Yes

View

River: Yes
Water: Yes

Water Source

Private: Yes
Well: Yes

Architectural Style

Ranch: Yes

Patio And Porch Features

Covered: Yes
Front Porch: Yes
Rear Porch: Yes
Screened: Yes

Waterfront Features

Navigable Water: Yes
River Front: Yes

Interior Features

Breakfast Bar: Yes
Ceiling Fan(s): Yes
Eat-in Kitchen: Yes
Kitchen Island: Yes
Open Floorplan: Yes
Primary Bathroom -Tub with Separate Shower: Yes
Primary Downstairs: Yes
Skylight(s): Yes
Split Bedrooms: Yes
Vaulted Ceiling(s): Yes
Walk-In Closet(s): Yes

Rental Restrictions

No Minimum: Yes

Water Body Access Type

Navigable: Yes
Owned: Yes

Room Information

Room Name	Level	Length	Width	Remarks
Dining Room	Main	22.00	17.50	Brazilian Teak
Living Room	Main	22.00	17.00	Brazilian Teak
Primary Bedroom	Main	20.00	15.00	Brazilian Teak
Bathroom 1	Main	23.50	8.50	Tile
Bedroom 2	Main	14.60	17.00	Brazilian Teak
Bedroom 3	Main	12.60	17.00	Brazilian Teak
Bathroom 2	Main	8.50	8.00	Tile
Kitchen	Main	21.00	20.50	Hardwood
Laundry	Main	7.00	6.00	Tile
Bathroom 3	Main	9.00	6.00	Tile
Workshop		40.00	20.00	Detached Shop-Heated/Cooled
Other		34.50	13.50	Screened Back Porch
Other		15.00	9.00	Covered Front Porch

Documents

2025 Tax Bill ›

Flood Disclosure ›

Seller's Disclosure ›

Survey ›

Expenses & Age of Roof, AC, Water Heater ›

Listing Office: BARBARA B JENNESS PA

Last Updated: July - 01 - 2026

Information deemed reliable but not guaranteed.

524 CEDAR CREEK Road, Palatka, FL 32177 (MLS# 2136154)