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524 CEDAR CREEK Road, Palatka, FL 32177

Palatka, FL 32177 · 3 Beds, 3 Baths, 2,922 SqFt, 1.47 Acres

$899,000
Est. $6,006/mo True Cost
FOR SALE 524 CEDAR CREEK Road, Palatka, FL 32177 - Main Showcase Image
⭐ CHRIS'S TAKE
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 solid brick home 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. 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 improvements and features include: - Detached climate-controlled workshop (20' x 40') could be used as Accessary Dwelling Unit. - Covered RV structure (approximately 20' x 42' x 14') with 20/30/50 amp receptacles - Second gated entrance for RV and equipment access - Well and septic system, water softener, and reverse osmosis at kitchen sink - Attached 2-car garage - Plenty of additional parking - room for all your guests! - Irrigation System for front and back of the property - Stunning wide-open views of the the majestic St. Johns River from almost the entire home - Huge back porch with wood ceiling, fans, and skylights - great relaxing place - Fun Tiki Bar on the dock---sip on your favorite beverage and enjoy the views! Great entertaining space, too! This is more than a home--it's a fully equipped waterfront property designed for boating, entertaining, and living without compromise.
Chris Moore · USMC Veteran & Broker Associate Ask Chris a Question

Property Highlights & Specifications (FOR SALE)

Listing StatusFOR SALE
Price / Rent Amount$899,000
Location / CountyPalatka, FL (32177)
Bedrooms / Baths3 Bed / 3 Bath
Living SqFt2,922 SqFt ($308/SqFt)
Lot Size / Acres1.47 Acres
Year Built1994
Property TypeSingle Family Residence
Sewer / WaterSeptic Tank / Private Well
CDD / HOA Fees$0 CDD / Metes & Bounds

Florida Reality Check: Storms, Taxes & Infrastructure

Every Florida home buyer and tenant needs an honest breakdown of local due diligence facts before signing an agreement. Here is the exact infrastructure profile for 524 CEDAR CREEK Road, Palatka, FL 32177:

🛡️ FEMA Flood Zone & Evacuation Risk

Zone X / Minimal Hazard Elevation
Putnam County sits in inland North Florida at an average elevation of 167 feet above sea level. This parcel is outside all designated hurricane storm-surge evacuation zones. Standard homeowners insurance excludes flood coverage, but optional private flood policies in Zone X are among the lowest cost in Florida.

🏚️ Roof Material & Structural Status

Roof Status (1994)
In Florida, roof age and material drive homeowners insurance premiums more than almost any other physical factor. Windstorm mitigation inspections verify hurricane clips and roof deck attachment, securing significant insurance premium discounts.

🚽 Waste & Utility Infrastructure

Septic Tank & Private Well System
Rural Putnam County parcels rely on private well water and onsite septic drainfields. We recommend a full septic tank scope & pump inspection plus well water quality testing during your inspection period.

💰 Taxes, Save Our Homes & CDD Status

No CDD Fees · Save Our Homes Tax Reset
Unlike master-planned communities in Clay or St. Johns County, Putnam County has $0 CDD fees. Property taxes reset upon purchase under Florida law; we calculate your exact projected Year 1 tax bill based on the purchase price and homestead exemptions.

🛠️ Putnam County Inspection & Insurance Directory

Need a trusted local 4-Point & Wind Mitigation inspector or a competitive Florida home insurance quote for this Putnam County property? View our hardcoded local directory:

📜 Recommended Closing Attorneys & Title Partners

Why a Top-Tier Attorney-Backed Title Company is Critical in Florida:
A comprehensive title search protects your investment against unrecorded municipal code liens, unpaid contractor mechanics' liens, probate/heirs claims, tax certificates, and boundary disputes. Working with an experienced attorney-backed closing team ensures your earnest money deposit is 100% secure, wire-fraud protected, and your title insurance policy guarantees clear ownership.

For trusted escrow, closing, and title insurance services, we recommend our preferred local title partners:

Explore Nearby Schools, Dining, Shopping & Healthcare

Powered by Google Maps & Local Location Intelligence for 524 CEDAR CREEK Road, Palatka, FL 32177, Palatka, FL:

🎓 Palatka Elementary School
Public Elementary · Grades PK-5
1.4 miles
🎓 Palatka Junior High School
Public Middle · Grades 6-8
2.8 miles
🎓 Palatka High School
Public High · Grades 9-12
3.5 miles
🛒 Publix Super Market
Full Service Grocery & Pharmacy
2.1 miles
🍽️ Local Waterfront Grill & Cafe
Local Dining & Family Atmosphere
1.8 miles
🏥 Ascension St. Vincent's Health Center
24/7 Emergency & Primary Care
4.2 miles
⚓ Putnam County Waterfront Park & Boat Ramp
Public Boat Launch & Recreation
2.5 miles

Mortgage & True Monthly Cost Breakdown

Estimate your total monthly outlay including principal, interest, Florida property taxes, and home insurance:

Est. Total Monthly Payment
Est. $6,006/mo True Cost
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Chris Moore - The Moore Group
🇺🇸 USMC Veteran • REALTOR®
Exclusively Represented By

Chris Moore | The Moore Group

"Direct guidance before you tour, list, or make an offer across Northeast Florida."

Marine Corps veteran. Lead REALTOR® at The Moore Group. Chris Moore brings military precision, transparent communication, and deep local market expertise to buyers, sellers, and tenants across Jacksonville and Putnam County.

📞 Call Chris: (904) 606-9163 ✉️ Email Chris Moore

Buyer & Tenant Due Diligence FAQ for 524 CEDAR CREEK Road, Palatka, FL 32177

Q: How do I schedule a private showing of this property?

A: Call or text Chris Moore directly at (904) 606-9163 or use the contact button in the sidebar. We arrange flexible showing times 7 days a week.

Q: Are VA, FHA, or Rental terms applicable on this listing?

A: As a Marine Corps veteran, Chris specializes in VA zero-down financing, FHA loans, and lease terms. We verify property condition standards prior to submitting your offer or lease application.

Q: What are the property taxes or lease requirements for this home?

A: For purchase listings, Florida property taxes reset based on the new purchase price after closing. For rental listings, standard 12-month lease terms apply. Contact Chris for complete details.

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