Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$899,000

524 CEDAR CREEK Road, Palatka, FL 32177

Bostwick

Price
$899,000
Beds / Baths
3 / 3
Living area
3,722 sqft
Year built
1994
Type
Residential
Lot
1.47 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
163

Welcome to a rare, gated riverfront estate offering 128 feet of navigable waterfront along the St. Johns River on approximately 1.47 acres. 2922 sq. ft. custom-built home + 800 sq. ft. shop. 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.

What to check on this one

  • Confirm flood zone X designation in writing; obtain FEMA map.
  • Verify roof installation date 2021 and get inspection report.
  • Review boat lift/dock permits, easements, and St. Johns River access rights.
  • Inspect plumbing for polybutylene or cast-iron; 1994 home typical age.
  • Confirm workshop structure is permitted accessory building, not ADU.
  • Get septic system inspection and service records for 1.47-acre lot.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$4,665/mo
Property tax (1.1% eff., Putnam Co.)$824/mo
Homeowners insurance (est.)$524/mo
All-in monthly (est.)$6,013/mo

Loan $719,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of BARBARA B JENNESS PA. Data via realMLS (Northeast Florida MLS), updated Aug 26, 2026, 8:27 PM.

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. Information is deemed reliable but not guaranteed.