524 Cedar Creek Rd, Palatka, FL 32177

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.