Palatka, FL 32177 · 3 Beds, 2 Baths, 1,309 SqFt, 2.09 Acres
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 442 CEDAR CREEK Road, Palatka, FL 32177:
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 Status (1973)
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.
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.
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.
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:
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:
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"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.
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.
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.
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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