102 CEDAR CREEK ROAD, PALATKA, FL, 32177
Active15 days on marketListed Jul 21, 2026MLS #GC542101
About this home
102 CEDAR CREEK ROAD
Have you dreamed of living on the St. Johns River? This beautiful treed lot is located on a quiet dead-end paved street and features an existing dock for easy access to the water. With approximately 350 feet of river frontage, you'll enjoy stunning views and abundant wildlife. A portion of the frontage consists of protected wetlands, enhancing the natural beauty and privacy of this unique waterfront property.
Facts & features
The home at a glance
0.8 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,819 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,819/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Palatka
Get to know Palatka. See the full Palatka guide →
PALATKA 32177 — neighborhood snapshot
Population
26,046
Median age
41.6
Median income
$47,486
Median home value
$158,800
Avg household
2.4
Households w/ children
3,008
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palatka market
$191K → $230K
Palatka median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
Median sold price, Palatka, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 120% above the PALATKA 32177 median. See the full Palatka market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 CEDAR CREEK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$82,000
245 TARPON BOULEVARD
3 bd · 2 ba · 1,296 sqft · $63/sqft · 4 DOM
Sold · Sep ’25$130,000
140 KINGFISH AVENUE
3 bd · 2 ba · 1,512 sqft · $86/sqft · 74 DOM
Sold · May ’26$675,000
108 SAINT JOHNS DRIVE
3 bd · 3 ba · 3,230 sqft · $209/sqft · 240 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 102 CEDAR CREEK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 CEDAR CREEK ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
102 CEDAR CREEK ROAD FAQs
What would the monthly payment be for 102 CEDAR CREEK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,819/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 102 CEDAR CREEK ROAD?+
The most recent tax bill on record (2025) was $1,527. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palatka?+
At $242,000, this home is listed about 8% below the Palatka median of $263,000. The market section on this page shows how the area is trending.
Which schools are assigned to 102 CEDAR CREEK ROAD?+
William D. Moseley Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER BEN BATES, INC · Margaret Zahner. MLS #GC542101.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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