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Nancy Betterman
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524 Cedar Creek Rd, Palatka, FL 32177

$950,000

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Property Description

Set behind a private gate, this exceptional riverfront property offers approximately 128 feet of deep, navigable frontage along the St. Johns River-blending seclusion, usability, and a true waterfront lifestyle across roughly 1.47 acres. The residence features 3 bedrooms, 3 full baths, and nearly 3,000 square feet of thoughtfully designed living space, including wheelchair-accessible features for ease and comfort throughout. A Spanish-inspired tile-look metal roof (2021) makes a strong first impression, while mature palms, vibrant azaleas, and fruit trees frame the grounds along the water's edge. Notably, the property is high and dry, situated in flood zone X. Inside, engineered Brazilian teak flooring (2022) carries through much of the open floor plan home. The kitchen is both functional and inviting, offering leathered granite countertops (2022), a breakfast bar, and an eat-in layout positioned to capture sweeping river views. Two wood-burning fireplaces add warmth and character. Step outside and the lifestyle takes center stage. The dock is fully equipped with water and electric, featuring a 10,000 lb. boat lift (approx. 12' x 21') and a generous wet slip (approx. 20' x 35'), providing direct access to the river. A waterfront tiki bar sets the tone for relaxed gatherings, with expansive views completing the backdrop. Great home for entertaining! Additional features include: - Detached, climate-controlled 20' x 40' workshop with potential for an accessory dwelling unit - Covered RV structure (approx. 20' x 42' x 14') with 20/30/50 amp service - Secondary gated access for RVs, boats, or equipment - Well and septic system, water softener, and reverse osmosis at kitchen sink - Attached 2-car garage - Open floor plan featuring stunning water views from almost all rooms! - Covered dock with Tiki Bar-perfect way to end the day - Huge screened back porch with wood ceiling a custom fans - Ample additional parking for guests - Newer roof, hardwood floors, granite countertops - Irrigation system servicing both front and rear grounds A rare opportunity to own a fully outfitted riverfront retreat-designed for boating, hosting, and living with intention.

524 Cedar Creek Rd | MLS# 261736

This home located at 524 Cedar Creek Rd, Palatka, FL 32177 is currently listed for sale with an asking price of $950,000. This property was built in 1994 and has 3 bedrooms and 3 full baths with 3722 sq. ft. Cedar Creek Rd is located in the Bostwick subdivision. Search Bostwick real estate on nancybetterman.watsonrealtycorp.com today.

Property Features

Property Type: Residential -
Cooling: Central, Electric
Garage: 2 car attached
Heating: Central, Electric, Heat Pump
Home Style: Single Family Home
Lot Size: 1.47 Acres
Roof Type: Metal
Stories: 1.0
Taxes: $8,548
Year Built: 1994
Square Feet: 3,722

Feature Descriptions

Days on Site: 10
Dock: Yes
Dock Permit: Permit Current
Exterior: Brick
Features: Auto Sprinkler, Bedroom Downstairs, Cathedral Ceiling, Private Dock, Fireplace, Great Room, Skylights, Wheelchair Access, Workshop, Irrigation System/Well, Boat Lift
Flooring: Tile, Wood
Homestead Exemption: Yes
Location: River Front, Water Front
Lot Dimensions: 64033
Low Tide Depth: 3-6 Feet
Master Bath: Jetted Tub, Tub/Shower Separate
Minimum Lease: No Minimum
Navigable: Yes
Parcel #: 23-08-27-0000-0060-0010
Parking: 2 Car Garage, Attached, Garage Door Opener, Gated
Personal Property: Ceiling Fans, Chandelier, Dishwasher, Dryer, Microwave, Refrigerator, Washer, Window Treatments
Security: Security Gate
Sewer: Installed, Septic
Special View Info: River View
Water: Well
Waterfront Type: River

Room Sizes

Primary Bedroom: 15 X 20
Bedroom 2: 14 X 17
Utility Room: 7 X 6
Patio: 34 X 14
Porch: 15 X 9
Living Room: 22 X 17
Dining Room: 22 X 17
Florida Room: 34 X 14
Kitchen: 21 X 20

Listed By / Shown By

Listed By

Agency Name: Barbara B. Jenness, PA
Agency Phone: 904-823-0027

Shown By

Agent Name: Nancy Betterman
Agent Phone: Cell: (407) 234-8723
Agency Title: Watson Realty Corp., REALTORS ®

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Estimated Payment

$ 5,793.13 per month $4,803.72 Principal & Interest $712.33 Property Tax $277.08 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/18/2026. The listing information on this page last changed on 04/18/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sat 04/18/2026 12:01:23 AM EST) or GAMLS (last updated Fri 04/17/2026 11:15:14 PM EST) or Stellar MLS (last updated Fri 04/17/2026 11:44:56 PM EST) or SPC MLS (last updated Fri 04/17/2026 11:20:32 PM EST) or Martin MLS (last updated Fri 04/17/2026 11:38:10 PM EST) or Indian River MLS (last updated Fri 04/17/2026 11:30:19 PM EST) or Daytona MLS (last updated Fri 04/17/2026 11:36:53 PM EST) or Northeast Florida MLS (last updated Fri 04/17/2026 11:58:55 PM EST) or Beaches MLS (last updated Fri 04/17/2026 11:57:32 PM EST) or BORMLS (last updated Fri 04/17/2026 11:16:13 PM EST) or Golden Isles MLS (last updated Fri 04/17/2026 11:26:26 PM EST) or Amelia/Nassau MLS (last updated Fri 04/17/2026 11:25:19 PM EST) or Dixie Gilchrist Levy MLS (last updated Fri 04/17/2026 11:42:18 PM EST) or NFLMLS (last updated Fri 04/17/2026 9:05:31 PM EST). Real estate listings held by brokerage firms other than Watson Realty Corp., REALTORS ® may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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