
$899,000
424 Cedar Creek RoadPalatka, FL 32177
Listing updated: October 19, 2026 at 2:52 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
125 FEET OF ST. JOHNS RIVER FRONTAGE! Experience the ultimate Florida riverfront lifestyle on 1.26 fenced acres with your own private dock and incredible outdoor living space. Built just 5 years ago, this beautifully designed 3-bedroom, 3-bath home offers 2,323 heated and cooled square feet plus more than 1,300 square feet of wraparound porches crafted to take full advantage of the scenic riverfront setting. The impressive outdoor living area includes a 12x56 covered back porch overlooking the river—the perfect setting for morning coffee, family gatherings, high-end entertaining, or simply unwinding by the water. Inside, enjoy LVP flooring, granite countertops, solid wood soft-close cabinetry, and premium appliances. Complete with a 24x40 detached workshop, 3-person Jacuzzi, 24KW generator, and electric gate, 424 Cedar Creek Rd offers the space and lifestyle to make the St. Johns River your backyard! solid wood soft-close cabinetry and walk-in closets in every bedroom. The well-equipped kitchen features a gas LG double-oven range, KitchenAid electric wall oven and Samsung Bespoke refrigerator. A spacious laundry room offers additional cabinetry, a utility sink and granite countertops. This home was built with durability and efficiency in mind, featuring 2x6 exterior wall construction, ZIP System sheathing, a metal roof, hardboard siding, high-efficiency 18 SEER Trane variable-speed HVAC system, tankless gas water heater and a 24KW whole-house generator supplied by a 250-gallon propane tank. Storage and workspace are exceptional with an attached finished 2-car garage plus a detached 24x40 metal building with A/C and an additional 12x40 carport. The property also features an electric entry gate, whole-house water filtration and softener system, pump house, additional electrical capacity for future backyard improvements and a recently replaced septic pump. Riverfront, acreage, exceptional construction, more than 1,300 square feet of covered outdoor living and room for the boats, vehicles, toys and hobbies--424 Cedar Creek Rd offers the space and lifestyle to make the St. Johns River your backyard.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history5 days on market
- Status: ActiveOct 15, 2026
- Listed$899,000Sep 29, 2026
Property Documents
Documents the listing agent has made public for this property. Free to view and download.
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 5
- Subdivision
- Bunchs Sub
- County
- Putnam
- Year built
- 2021
- Living area
- 2,323 sq ft
- Price/sq ft
- $387
- Building area
- 4,262 sq ft (Public Records)
- Lot size
- 54,886 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- X (12107C0090C)
- Garage
- 4 spaces
- Annual taxes
- $9,834 (2025)
- Parcel #
- 23-08-27-1020-0000-0180
- Zoning
- RESI
- MLS #
- O6441756
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Flooring
- Carpet, Luxury Vinyl
- Appliances
- Built-In Oven, Dishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator
- Interior features
- Eat-in Kitchen, Open Floorplan, Split Bedroom
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 4
- Attached garage
- Yes
- Carport
- Yes
HOA & Financial
- Total monthly fees
- None
- Total annual fees
- None
- CDD
- No
- Homestead exemption
- Yes
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- No
Exterior & Construction
- Exterior features
- Outdoor Kitchen
- Construction materials
- Concrete, Frame
- Roof
- Metal
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Septic Tank
- Water source
- Well
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | |
| Dining Room | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Primary Bathroom | First | |
| Bathroom 2 | First | |
| Bathroom 3 | First | |
| Kitchen | First |
Listing Details
- Listing date
- 2026-09-10
- On market date
- 2026-09-29
- Original list price
- $899,000
- Occupant type
- Owner
- MLS area
- 32177 - Palatka
- Listing AOR
- Orlando Regional
- Status changed
- 2026-10-15
- Tax legal description
- PT OF GOVT LOTS 3 & 4 (BUNCH'S S/D UNREC LOT 18) OR110 P699
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Head south on Hwy 17 toward Palatka. Left on Palmetto Bluff Rd. Left onto Cedar Creek Rd. House is on the right
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IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of October 19, 2026 at 2:52 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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