524 CEDAR CREEK, Palatka, Florida 32177 MLS 2136154For sale

524 CEDAR CREEK, Palatka, Florida 32177

$950,000
3 Bedrooms
3 Bathrooms
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′)
– 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
– Covered RV Parking
– 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.

Basic Details
Residential
Single Family Residence
For sale
2136154
$950,000
River,Water
3
3
0
2,922 Sqft
1994
64,033.20 Sqft
1.47
2
Metal
Residential,Single Family
No
Features
: Heat Pump, Central, Electric
: Central Air, Electric
: Fenced
Breakfast Bar,Breakfast Nook,Ceiling Fan(s),Kitchen Island,Open Floorplan,Primary Bathroom -Tub with Separate Shower,Primary Downstairs,Split Bedrooms,Vaulted Ceiling(s),Walk-In Closet(s)
: Navigable Water, River Front
: Sprinklers In Front, Sprinklers In Rear
: Workshop
: Rear Porch, Screened, Covered, Front Porch
: Asphalt
: Bath
No
Appliances
Convection Oven,Dishwasher,Double Oven,Dryer,Electric Cooktop,Electric Water Heater,Microwave,Refrigerator,Washer,Water Softener Owned
Address Map
Country : US
State : FL
County : Putnam
City : Palatka
Subdivision Name : Metes & Bounds
Zipcode : 32177
CEDAR CREEK
524
Road
W82° 25' 14.5''
N29° 47' 30.9''
563-East Bostwick/Bridgeport/Cedar Creek
MLS Information
03-22-2026 23:55:52
Active
03-22-2026
N
Ranch
Boat Lift,Boat Slip,Dock,Fire Pit
1
: Garage, Gated, Garage Door Opener, Attached, Carport, RV Access/Parking
170 x 367 x 128 x 348
Wood Burning
BARBARA B JENNESS PA
Yes
Agent info
Mike Schwiebert, REALTOR ®
INI Realty
3603 Cardinal Point Drive. Jacksonville, FL 32257
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