$950,000
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
Maps
Documents
Contract Information
Current Price: $950,000
Property Sub Type: Single Family Residence
Property Attached YN: No
Status: Active
List Price: $950,000
Listing Contract Date: 2026-03-22
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
General Property Information
Bedrooms Total: 3
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2922
Living Area Source: Public Records
Building Area Total: 3960
Year Built: 1994
Accessory Dwelling Unit Y/N: Yes
Homestead YN: Yes
Lot Size Acres: 1.47
Lot Size Dimensions: 170 x 367 x 128 x 348
Association YN: No
CDD Fee YN: No
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
Waterfront YN: Yes
Water Frontage Feet: 128
Furnished: Partially
Stories: 1
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.
List Price/SqFt: 325.12
Status Change Information
Major Change Timestamp: 2026-03-22T19:36:11Z
Major Change Type: New Listing
Accessory Dwelling Information
Dwelling Type: Other
ADU Attached Y/N: No
Square Footage: 800
Fireplace Features
Fireplaces Total: 2
DPR Eligible
DPR Eligible: No
Room Types
Bathroom 1 Level: Main
Bathroom 2 Level: Main
Bathroom 3 Level: Main
Bedroom 2 Level: Main
Bedroom 3 Level: Main
Dining Room Level: Main
Kitchen Level: Main
Laundry Level: Main
Living Room Level: Main
Primary Bedroom Level: Main
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)
Flooring: Tile; Wood
Laundry Features: Sink
Utilities: Electricity Connected; Other
Cooling: Central Air
Heating: Central; Electric; Heat Pump
Electric: 200+ Amp Service
Water Source: Private; Well
Sewer: Septic Tank
Security Features: Security Fence; Security Gate; Security System Owned; Smoke Detector(s)
Construction Materials: Brick
Other Structures: Workshop
Exterior Features: Boat Lift; Boat Slip; Dock; Fire Pit
Patio And Porch Features: Covered; Front Porch; Rear Porch; Screened
Spa Features: Bath
Roof: Metal
Parking Features: Attached; Carport; Garage; Garage Door Opener; Gated; RV Access/Parking
Lot Features: Sprinklers In Front; Sprinklers In Rear
View: River; Water
Water Body Access Type: Navigable; Owned
Waterfront Features: Navigable Water; River Front
Fencing: Fenced
Current Use: Residential; Single Family
Road Frontage Type: County Road
Road Surface Type: Asphalt
Possession: Close Of Escrow
Listing Terms: Cash; Conventional
Room Types: Bathroom 1; Bathroom 2; Bathroom 3; Bedroom 2; Bedroom 3; Dining Room; Kitchen; Laundry; Living Room; Primary Bedroom; Workshop; Other Room
Supplements
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.
Room Information
| Room Name | Level | Length | Length | Width | Width | Remarks |
| Dining Room | Main | 22.00 | 22.00 | 17.50 | 17.50 | Brazilian Teak |
| Living Room | Main | 22.00 | 22.00 | 17.00 | 17.00 | Brazilian Teak |
| Primary Bedroom | Main | 20.00 | 20.00 | 15.00 | 15.00 | Brazilian Teak |
| Bathroom 1 | Main | 23.50 | 23.50 | 8.50 | 8.50 | Tile |
| Bedroom 2 | Main | 14.60 | 14.60 | 17.00 | 17.00 | Brazilian Teak |
| Bedroom 3 | Main | 12.60 | 12.60 | 17.00 | 17.00 | Brazilian Teak |
| Bathroom 2 | Main | 8.50 | 8.50 | 8.00 | 8.00 | Tile |
| Kitchen | Main | 21.00 | 21.00 | 20.50 | 20.50 | Hardwood |
| Laundry | Main | 7.00 | 7.00 | 6.00 | 6.00 | Tile |
| Bathroom 3 | Main | 9.00 | 9.00 | 6.00 | 6.00 | Tile |
| Workshop | 40.00 | 40.00 | 20.00 | 20.00 | Detached Shop-Heated/Cooled | |
| Other | 34.50 | 34.50 | 13.50 | 13.50 | Screened Back Porch | |
| Other | 15.00 | 15.00 | 9.00 | 9.00 | Covered Front Porch |
2025 Tax Bill 
Listing Office: BARBARA B JENNESS PA
Last Updated: May - 03 - 2026
Information deemed reliable but not guaranteed.