524 CEDAR CREEK Road, Palatka, FL 32177

• 3 beds |
• 3 baths |
• 2,922 sqft

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 three stately palm trees framing the river's edge. Notably, the property is not located in a flood zone . 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. Two wood-burning fireplaces add warmth & character, and the open layout supports both everyday living & entertaining 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 This is more than a home--it's a fully equipped waterfront property designed for boating, entertaining, and living without compromise.

Listing Status:

Active

Date Added:

March 22, 2026

Data Last Updated:

March 29, 2026 at 5:35PM

Listing Office:

BARBARA B JENNESS PA : 904-823-0027

Listing Agent:

BARBARA JENNESS : 1 904-823-0027

MLS ID:

2136154

Interior

• General: Breakfast BarCeiling Fan(s)Eat-in KitchenKitchen IslandOpen FloorplanPrimary DownstairsVaulted Ceiling(s)Walk-In Closet(s)Primary Bathroom -Tub with Separate ShowerSplit Bedrooms
• Appliances: Convection OvenDryerDouble OvenDishwasherElectric CooktopElectric Water HeaterMicrowaveRefrigeratorWasherWater Softener Owned
• Laundry: Sink
• Flooring: TileWood
• A/C: Central AirElectric
• Heating:
• Fireplace: Wood BurningFireplaceFireplaces: 2
• Disability Feature: Accessible BedroomAccessible ClosetsAccessible Common AreaAccessible Central Living AreaAccessible EntranceAccessible Full BathAccessible Hallway(s)Accessible Kitchen

Exterior

• General: Boat SlipDockFire PitBoat LiftWorkshopBath
• Style: Ranch

Construction

• Roofing: Metal
• Windows: Skylight(s)
• General: Brick1

Location

• Road/Access: County Road
• Originating MLS: realMLS (Northeast Florida Multiple Listing Service)
• County: Putnam

Lot

• Zoning: 230827000000600010
• View: RiverWater
• Current Use: ResidentialSingle Family

Utilities

• Utilities: Electricity ConnectedOther200+ Amp Service
• Water: PrivateWell
• Sewer: Septic Tank

Financial

• Source: realMLS (Northeast Florida Multiple Listing Service)