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.
Active
$950,000
524 CEDAR CREEK Road, Palatka, FL 32177
3beds
2,922sqft
Est.:
Single Family Residence
Built in 1994
1.47 Acres Lot
$-- Zestimate®
$325/sqft
$-- HOA
What's special
Two wood-burning fireplacesFruit treesBlooming azaleasBreakfast barGated riverfront estateElegant security gateEat-in kitchen
- 7 days |
- 992 |
- 47 |
Likely to sell faster than
Zillow last checked: 7 hours ago
Listing updated: March 28, 2026 at 08:38am
Listed by:
BARBARA JENNESS,
BARBARA B JENNESS PA 904-823-0027
Source: realMLS,MLS#: 2136154
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Bedroom 2
- Description: Brazilian Teak
- Level: Main
- Area: 248.2 Square Feet
- Dimensions: 14.60 x 17.00
Bedroom 3
- Description: Brazilian Teak
- Level: Main
- Area: 214.2 Square Feet
- Dimensions: 12.60 x 17.00
Primary bathroom
- Description: Brazilian Teak
- Level: Main
- Area: 300 Square Feet
- Dimensions: 20.00 x 15.00
Bathroom 1
- Description: Tile
- Level: Main
- Area: 199.75 Square Feet
- Dimensions: 23.50 x 8.50
Bathroom 2
- Description: Tile
- Level: Main
- Area: 68 Square Feet
- Dimensions: 8.50 x 8.00
Bathroom 3
- Description: Tile
- Level: Main
- Area: 54 Square Feet
- Dimensions: 9.00 x 6.00
Dining room
- Description: Brazilian Teak
- Level: Main
- Area: 385 Square Feet
- Dimensions: 22.00 x 17.50
Kitchen
- Description: Hardwood
- Level: Main
- Area: 430.5 Square Feet
- Dimensions: 21.00 x 20.50
Laundry
- Description: Tile
- Level: Main
- Area: 42 Square Feet
- Dimensions: 7.00 x 6.00
Living room
- Description: Brazilian Teak
- Level: Main
- Area: 374 Square Feet
- Dimensions: 22.00 x 17.00
Other
- Description: Screened Back Porch
- Area: 465.75 Square Feet
- Dimensions: 34.50 x 13.50
Other
- Description: Covered Front Porch
- Area: 135 Square Feet
- Dimensions: 15.00 x 9.00
Workshop
- Description: Detached Shop-Heated/Cooled
- Area: 800 Square Feet
- Dimensions: 40.00 x 20.00
Heating
- Central, Electric, Heat Pump
Cooling
- Central Air, Electric
Appliances
- Included: Convection Oven, Dishwasher, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
- Laundry: Sink
Features
- Breakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Master Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
- Flooring: Tile, Wood
- Windows: Skylight(s)
- Number of fireplaces: 2
- Fireplace features: Wood Burning
Interior area
- Total structure area: 3,960
- Total interior livable area: 2,922 sqft
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Attached, Carport, Garage, Garage Door Opener, Gated, RV Access/Parking
- Attached garage spaces: 2
- Carport spaces: 2
- Covered spaces: 4
Accessibility
- Accessibility features: Accessible Bedroom, Accessible Central Living Area, Accessible Closets, Accessible Common Area, Accessible Entrance, Accessible Full Bath, Accessible Hallway(s), Accessible Kitchen
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Front Porch, Rear Porch, Screened
- Exterior features: Boat Lift, Boat Slip, Dock, Fire Pit
- Spa features: Bath
- Fencing: Fenced
- Has view: Yes
- View description: River, Water
- Has water view: Yes
- Water view: River,Water
- Waterfront features: Navigable Water, River Front
Lot
- Size: 1.47 Acres
- Dimensions: 170 x 367 x 128 x 348
- Features: Sprinklers In Front, Sprinklers In Rear
Details
- Additional structures: Workshop
- Parcel number: 230827000000600010
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Roof: Metal
Condition
- New construction: No
- Year built: 1994
Utilities & green energy
- Sewer: Septic Tank
- Water: Private, Well
- Utilities for property: Electricity Connected, Other
Community & HOA
Community
- Security: Security Fence, Security Gate, Security System Owned, Smoke Detector(s)
- Subdivision: Metes & Bounds
HOA
- Has HOA: No
Location
- Region: Palatka
Financial & listing details
- Price per square foot: $325/sqft
- Tax assessed value: $734,440
- Annual tax amount: $8,548
- Date on market: 3/22/2026
- Listing terms: Cash,Conventional
- Road surface type: Asphalt
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/22/2026 | Listed for sale | $950,000+72.7%$325/sqft |
Source:  realMLS #2136154 Report a problem | ||
| 9/3/2020 | Sold | $550,000-6.8%$188/sqft |
Source: realMLS #1059079 Report a problem | ||
| 7/27/2020 | Pending sale | $589,900$202/sqft |
Source: COLDWELL BANKER BEN BATES REALTY #1059079 Report a problem | ||
| 7/7/2020 | Listed for sale | $589,900$202/sqft |
Source: COLDWELL BANKER BEN BATES REALTY #1059079 Report a problem | ||
| 6/27/2020 | Pending sale | $589,900$202/sqft |
Source: COLDWELL BANKER BEN BATES REALTY #1059079 Report a problem | ||
| 6/18/2020 | Listed for sale | $589,900-5.6%$202/sqft |
Source: COLDWELL BANKER BEN BATES REALTY #1059079 Report a problem | ||
| 4/2/2020 | Listing removed | $625,000$214/sqft |
Source: Florida Homes Realty & Mortgage #429056 Report a problem | ||
| 2/5/2020 | Price change | $625,000-7.4%$214/sqft |
Source: Florida Homes Realty & Mortgage #190569 Report a problem | ||
| 12/7/2019 | Price change | $675,000-1.8%$231/sqft |
Source: Florida Homes Realty & Mortgage #190569 Report a problem | ||
| 10/8/2019 | Listed for sale | $687,300$235/sqft |
Source: Florida Homes Realty & Mortgage #190569 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $7,927 +2.7% | $734,440 +6.4% |
| 2023 | $7,720 +5.4% | $690,440 +13.3% |
| 2022 | $7,324 +0.8% | $609,450 +26.7% |
| 2021 | $7,263 +49.8% | $481,160 -2.8% |
| 2020 | $4,850 +2.7% | $495,190 +11.5% |
| 2018 | $4,721 | $443,950 +52% |
| 2017 | $4,721 -0.7% | $292,000 +2.1% |
| 2016 | $4,754 +4% | $286,000 +0.7% |
| 2015 | $4,573 +0.4% | $284,018 +0.8% |
| 2014 | $4,553 | $281,764 +1.5% |
| 2013 | -- | $277,600 +1.7% |
| 2012 | -- | $272,960 +3% |
| 2011 | -- | $265,010 +1.5% |
| 2010 | -- | $261,094 +2.7% |
| 2009 | -- | $254,230 +0.1% |
| 2008 | -- | $253,976 +3% |
| 2007 | -- | $246,579 +11.1% |
| 2005 | -- | $221,890 +3% |
| 2004 | -- | $215,427 +1.9% |
| 2003 | -- | $211,410 +2.4% |
| 2002 | -- | $206,455 +1.6% |
| 2001 | -- | $203,204 +3% |
| 2000 | -- | $197,285 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$6,134/mo
Principal & interest
$4780
Property taxes
$1354
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Climate risks
Neighborhood: 32177
Nearby schools
GreatSchools rating
- 6/10James A. Long Elementary SchoolGrades: K-6Distance: 9.8 mi
- 3/10Palatka High SchoolGrades: 7-12Distance: 11.6 mi
Local experts in 32177
- Florida
- Putnam County
- Palatka
- 32177
- 524 CEDAR CREEK Road
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