524 CEDAR CREEK Road Palatka, FL 32177 MLS# 2136154 3 beds | 3 baths | 3960 sqft
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Property 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.
Details
Documents
Contract Information
Property Attached YN: No
Current Price: $950,000
Property Sub Type: Single Family Residence
Status: Active
List Price: $950,000
Listing Contract Date: 2026-03-22
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)
General Property Information
Lot Size Acres: 1.47
Bathrooms Half: 0
Lot Size Dimensions: 170 x 367 x 128 x 348
Living Area: 2922
Living Area Source: Public Records
Building Area Total: 3960
CDD Fee YN: No
Accessory Dwelling Unit Y/N: Yes
Association YN: No
Homestead YN: Yes
Waterfront YN: Yes
Water Frontage Feet: 128
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.
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
Furnished: Partially
Stories: 1
List Price/SqFt: 325.12
Bedrooms Total: 3
Bathrooms Full: 3
Bathrooms Total: 3
Year Built: 1994
Accessibility Features
Accessible Bedroom: 1
Accessible Central Living Area: 1
Accessible Closets: 1
Accessible Common Area: 1
Accessible Entrance: 1
Accessible Full Bath: 1
Accessible Hallway(s): 1
Accessible Kitchen: 1
Appliances
Convection Oven: 1
Dishwasher: 1
Double Oven: 1
Dryer: 1
Electric Cooktop: 1
Electric Water Heater: 1
Microwave: 1
Refrigerator: 1
Washer: 1
Water Softener Owned: 1
Construction Materials
Brick: 1
Cooling
Central Air: 1
Electric: 1
Current Use
Residential: 1
Single Family: 1
Electric
200+ Amp Service: 1
Exterior Features
Boat Lift: 1
Boat Slip: 1
Dock: 1
Fire Pit: 1
Fencing
Fenced: 1
Fireplace Features
Fireplaces Total: 2
Wood Burning: 1
Flooring
Tile: 1
Wood: 1
Heating
Central: 1
Electric: 1
Heat Pump: 1
Laundry Features
Sink: 1
Levels
One: 1
Listing Terms
Cash: 1
Conventional: 1
Lot Features
Sprinklers In Front: 1
Sprinklers In Rear: 1
Other Structures
Workshop: 1
Parking Features
Attached: 1
Carport: 1
Garage: 1
Garage Door Opener: 1
Gated: 1
RV Access/Parking: 1
Possession
Close Of Escrow: 1
Road Frontage Type
County Road: 1
Road Surface Type
Asphalt: 1
Roof
Metal: 1
Security Features
Security Fence: 1
Security Gate: 1
Security System Owned: 1
Smoke Detector(s): 1
Sewer
Septic Tank: 1
Spa Features
Bath: 1
Utilities
Electricity Connected: 1
Other: 1
View
River: 1
Water: 1
Water Source
Private: 1
Well: 1
Architectural Style
Ranch: 1
Patio And Porch Features
Covered: 1
Front Porch: 1
Rear Porch: 1
Screened: 1
Waterfront Features
Navigable Water: 1
River Front: 1
Accessory Dwelling Information
Dwelling Type: Other
ADU Attached Y/N: No
Square Footage: 800
Interior Features
Breakfast Bar: 1
Ceiling Fan(s): 1
Eat-in Kitchen: 1
Kitchen Island: 1
Open Floorplan: 1
Primary Bathroom -Tub with Separate Shower: 1
Primary Downstairs: 1
Skylight(s): 1
Split Bedrooms: 1
Vaulted Ceiling(s): 1
Walk-In Closet(s): 1
Rental Restrictions
No Minimum: 1
Water Body Access Type
Navigable: 1
Owned: 1
DPR Eligible
DPR Eligible: No
Room Types
Bathroom 1: 1
Bathroom 1 Level: Main
Bathroom 2: 1
Bathroom 2 Level: Main
Bathroom 3: 1
Bathroom 3 Level: Main
Bedroom 2: 1
Bedroom 2 Level: Main
Bedroom 3: 1
Bedroom 3 Level: Main
Dining Room: 1
Dining Room Level: Main
Kitchen: 1
Kitchen Level: Main
Laundry: 1
Laundry Level: Main
Living Room: 1
Living Room Level: Main
Primary Bedroom: 1
Primary Bedroom Level: Main
Workshop: 1
Other Room: 1
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: 2026-03-22T19:36:11Z
Major Change Type: New Listing
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)
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.
2025 Tax Bill 
