$595,000
442 CEDAR CREEK Road, Palatka, FL 32177, Palatka, FL 32177
Bunchs
- Price
- $595,000
- Beds / Baths
- 3 / 2
- Living area
- 1,309 sqft
- Year built
- 1973
- Type
- Residential
- Lot
- 2.09 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 2
Beautiful retreat on the St. Johns River. Country setting that is convenient to the First Coast Expressway with easy commute to Orange Park. Two manicured acres with beautiful live oak trees lining the circular drive. Peaceful river views from the enclosed porch overlooking the dock and bulkheaded riverfront. Detached garage has large workshop with french doors. Home has brand new heat pump, front deck with wheelchair ramp, split bedroom plan, large utility room and large dining room. These properties are getting harder and harder to find, don't miss out on this golden opportunity to have your year round or dream vacation home!
What to check on this one
- Verify flood zone designation and obtain elevation certificate for St. Johns River waterfront.
- Confirm roof age and get 4-point inspection given 1973 build year.
- Review plumbing material—cast-iron or polybutylene common in homes built pre-1975.
- Inspect septic system records and well maintenance history for rural Putnam County property.
- Obtain survey and verify bulkhead/dock permits and riverfront easements with Putnam County.
- Confirm heat pump installation date and transferability of any warranty or financing.
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
Loan $476,000 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 MODERN REALTY OF FLORIDA. Data via realMLS (Northeast Florida MLS), updated Jul 24, 2026, 10:15 PM.
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