424 Cedar Creek Rd, photo 1
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Overview

3 bd3 ba2,323 sqft4 car garageSingle Family
TypeSingle Family
HOANone listed
Built2021
Lot54,886 sqft
Living area2,323 sqft
Price / sqft$387
Garage4 car

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About this home

Eat-in KitchenOpen FloorplanSplit BedroomOutdoor KitchenBuilt-in OvenDishwasherDisposalGas Water Heater

424 Cedar Creek Rd is a 2021-built home in Bunchs Sub, Palatka. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,323 square feet of living space. Listed at $899,000 (about $387/sqft), 36 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

125 FEET OF ST. JOHNS RIVER FRONTAGE! Experience the Florida riverfront lifestyle on 1.26 fenced acres with your own private dock and incredible outdoor living. Built just 5 years ago, this beautifully designed 3-bedroom, 3-bath home offers 2,323 heated and cooled square feet plus more than 1,300 square feet of wraparound porches designed to take full advantage of the riverfront setting. The impressive outdoor living space includes a 12x56 covered back porch overlooking the river--the perfect setting for morning coffee, family gatherings, entertaining or simply unwinding by the water. A private wood dock with substantial concrete-supported pilings provides direct access to the St. Johns River, while a 1,000-square-foot concrete pad offers incredible potential for an outdoor kitchen or additional entertaining space. There's even a 3-person Jacuzzi ready for relaxing at the end of the day. Inside, you'll find LVP flooring, new carpet, granite countertops throughout the kitchen & baths solid wood soft-close cabinetry and walk-in closets in every bedroom. The well-equipped kitchen features a gas LG double-oven range, KitchenAid electric wall oven and Samsung Bespoke refrigerator. A spacious laundry room offers additional cabinetry, a utility sink and granite countertops. This home was built with durability and efficiency in mind, featuring 2x6 exterior wall construction, ZIP System sheathing, a metal roof, hardboard siding, high-efficiency 18 SEER Trane variable-speed HVAC system, tankless gas water heater and a 24KW whole-house generator supplied by a 250-gallon propane tank. Storage and workspace are exceptional with an attached finished 2-car garage plus a detached 24x40 metal building with A/C and an additional 12x40 carport. The property also features an electric entry gate, whole-house water filtration and softener system, pump house, additional electrical capacity for future backyard improvements and a recently replaced septic pump. Riverfront, acreage, exceptional construction, more than 1,300 square feet of covered outdoor living and room for the boats, vehicles, toys and hobbies--424 Cedar Creek Rd offers the space and lifestyle to make the St. Johns River your backyard.

The essentials

Built
2021
Price / sqft
$387
On market
36 days
Annual tax
$9,834
Flood zone
X · Low risk
Lot
54,886 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
4 car garage
1.26 acres
Lot size
2,323 sqft
Living area

Payment

Est. monthly payment
$5,958/mo
Down payment (20%)
$179,800
Property taxes
$820/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
54,886 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
36
Eat-in Kitchen
Open Floorplan
Split Bedroom
Outdoor Kitchen
Built-in Oven
Dishwasher
Disposal
Gas Water Heater
Microwave
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$9,834
Parcel #
23-08-27-1020-0000-0180

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Bunchs Sub
County
Putnam
MLS Area
32177 - Palatka
Lot Size
54,886 sqft

Price history

Date
Event
Price
9/10/2026
Listed for sale
Source: Stellar MLS #O6441756
$899,000
$387/sqft

Neighborhood

424 Cedar Creek Rd
Palatka, FL, 32177 · 32177 - Palatka

Market insights

Offer Insights

Choose an offer strength

List price: $899,000
$860,000 – $899,000
95.6% – 100% of listTops out right at the list price
80% of listList price
18 of the last 34 home closings in 32177 landed at this number or higher (53%). The median one sat 60 days before it went under contract, and this one is on day 36.

Sample: 34 closed home sales in 32177 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,958/mo
Principal & interest$4,689
Property taxes$820
Insurance$450
Down payment20% · $179,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$899,000

$387 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,323 sq ft

Time on market

36 days

Year built

2021

Monthly payment

About $5,958/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,834 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byDOGWOOD REALTYListing agent: Meshell PerryListing data from Stellar MLS, MLS# O6441756.

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