424 Cedar Creek Road, FL
Stellar MLS
1 / 1

$899,000

424 Cedar Creek RoadPalatka, FL 32177

Listing updated: October 19, 2026 at 2:52 PM ET

Active
Stellar MLSListing courtesy of Dogwood Realty · Meshell Perry · MLS #O6441756 · Active · 817-357-6276
3
Beds
3
Baths
2,323
Sq Ft
1.26
Acres
2021
Built
◆4-car garage◆1.26 acres◆$387/sqft◆360° tour
Single Family Residence

Property type

2021

Year built

54,886 sqft

Lot size

$387

Price / sq ft

No HOA

HOA dues

5

Days on market

4

Garage spaces

X

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

Principal & interest$4,546
Property taxes$820
Home insurance (est.)$412

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

  1. Status: Active
    Oct 15, 2026
  2. Listed$899,000
    Sep 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

RoomLevelDimensions
Living RoomFirst
Dining RoomFirst
Primary BedroomFirst
Bedroom 2First
Bedroom 3First
Primary BathroomFirst
Bathroom 2First
Bathroom 3First
KitchenFirst

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 riskFEMA Zone XPanel 12107C0090C

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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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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