$539,900
130 CEDAR CREEK Road, Palatka, FL 32177
Cedar Creek
- Price
- $539,900
- Beds / Baths
- 4 / 2
- Living area
- 1,451 sqft
- Year built
- 1964
- Type
- Residential
- Lot
- 0.86 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 235
$372/sqft asking, vs a $162/sqft median across 259 closed sales in 32177 over the last 12 months — 129% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Imagine ending each day watching spectacular sunsets over the St. Johns River from your own private dock. Whether you're boating, fishing, entertaining family and friends, or simply enjoying the peaceful waterfront setting, this move-in-ready retreat delivers the Florida lifestyle buyers have been searching for. Designed with flexibility in mind, this property features a fully separate guest/in-law suite complete with its own private entrance, kitchenette, and full bathroom ideal for extended family, guests, multi-generational living, or a private home office. Outdoor enthusiasts will appreciate the private dock, boat lift, RV hookup, and the included pontoon boat, making it easy to enjoy everything the St. Johns River has to offer from day one. Major recent improvements provide added peace of mind, including a complete professional rewiring of the entire home in 2026, a brand-new electrical panel, and all inspection-related electrical work completed. his exceptional waterfront property combines comfort, versatility, and modern updates with endless opportunities for recreation and relaxation. A rare opportunity to own a turnkey riverfront home where unforgettable memories are made.
What to check on this one
- Verify 1964 home qualifies for homeowners insurance; confirm roof age and last replacement date.
- Order 4-point inspection (electrical, plumbing, HVAC, roof) and wind-mitigation report—standard for pre-1980 NE Florida.
- Confirm flood zone designation; request elevation certificate if in AE/VE zone near St. Johns River.
- Inspect septic system age, pumping history, and tank location; verify well water quality if applicable.
- Review 2026 rewiring scope, permits pulled, and final inspection sign-off from Putnam County.
- Verify dock, boat lift, RV hookup legal status—deed restrictions, riparian rights, and any easements.
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 $431,920 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 WATSON REALTY CORP. Data via realMLS (Northeast Florida MLS), updated Aug 18, 2026, 3:15 AM.
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