Cedar Creek Country
Homes for Sale in Palatka, FL
All 121 homes for sale in Palatka, FL · median $244,900 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of BETROS REALTY INC · via realMLS
As of November 2026, Cedar Creek Country in Palatka, FL has 1 home for sale. As of November 2026, the MLS records 10 closed sales in Cedar Creek Country in Palatka, FL since 2013, the most recent in August 2026. Across Palatka as a whole, 264 homes closed in the last 12 months at a median of $246,325, 72 median days on market, with 132 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $3,710 ($3,110 with the full homestead exemption).
Price here is driven by condition and vintage more than location, because the housing stock spans a wide arc — from 1967 through 2024. With a median year built right around 2002, roughly half these homes predate the last two decades of code and finish updates, so what you're actually paying for is where a given house sits on the renovation curve. Expect a wide spread rather than a tight, comparable band.
This is a small pool — 56 homes — in a corner of Putnam County, so inventory moves in fits and starts and a single listing can shift the tone. The homestead share sitting just above half (57.5%) suggests a core of owner-occupants rather than a churn of investor flips, which tends to mean less pricing pressure and more patience on both sides. Buyers should underwrite the specific house, not the average.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cedar Creek Country right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 12, 2026. Confidence: Low (1 active and pending listings, 1 closed sales in 12 months).
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· Updated November 13, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cedar Creek Country is a modestly sized enclave in Palatka where the homes run larger than typical starter stock, at a median around 2,200 square feet, and span nearly six decades of construction. The result is a market defined by individual homes rather than a uniform product.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Cedar Creek Country. Swipe to explore the community.
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Cedar Creek Country
Cedar Creek Country
Cedar Creek Country
Cedar Creek CountryPhotos from realMLS listings in Cedar Creek Country; content deemed reliable but not guaranteed.
Who Cedar Creek Country is best for.
Best for
- Buyers wanting more interior space around 2,200 square feet without paying new-construction pricing
- Long-hold owner-occupants who value a settled, low-turnover setting over rapid resale
- Buyers willing to renovate an older home and capture value through condition
Probably not for
- Buyers who need a fast, liquid resale market with steady comparable sales
- Shoppers who want a large selection of near-identical, move-in-ready new builds
- Anyone unwilling to underwrite a specific home rather than trust an area average
The market around Cedar Creek Country
Cedar Creek Country is too small for its own price trend, so here is the market around it.
In ZIP 32043, 529 homes are on the market and 24% are under contract — a steady corner of Palatka.
Across Clay County, 1,279 homes are active and 403 pending (24% under contract).
In ZIP 32043 (Palatka), 1,128 homes closed in the last 12 months at a median of $350K ($183/sq ft), down 2.7% year over year, with a median 65 days on market. Right now 272 active and 106 pending listings put supply at about 2.9 months — a balanced market. See the live ZIP 32043 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Cedar Creek Country specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Cedar Creek Country
Live MLS inventory for Cedar Creek Country. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Cedar Creek Country listings as of 2026-11-12, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Life at Cedar Creek Country
- Security Gate · reported on 1 of 1 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Cedar Creek Country buying strategy.
If we were buying in Cedar Creek Country today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cedar Creek Country.
A condition-driven market, not a spec one
With build years stretching from 1967 to 2024, no two adjacent homes are guaranteed to share systems, layouts, or finish levels. That's the central fact to plan around: comps are soft here, and the median price is a starting reference point, not a predictor for any one address. A well-updated home and a tired one of the same footprint can sit far apart, and the small sample size only widens that gap.
Living space skews generous — a median near 2,202 square feet — which points to room to spread out rather than tightly packed product. The just-over-half homestead share signals a settled ownership base. For a buyer, that combination usually means fewer bidding wars and more time to inspect; for a seller, it means condition and presentation do the heavy lifting, because there's no wave of identical new construction setting a floor.
The location and the amenities are priced into every listing in Cedar Creek Country. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this small and this varied, the median tells you almost nothing about the house in front of you. We price and evaluate address by address — reading vintage, systems, and updates against a thin comp set — so you don't overpay for a tired home or underprice a renovated one. That local, house-specific read is where we earn our keep in Cedar Creek Country.
Cedar Creek Country in 15 seconds.
Tools for a Cedar Creek Country buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cedar Creek Country sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cedar Creek Country, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cedar Creek Country home worth?
Get a no-obligation home value based on real comparable sales in Cedar Creek Country, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palatka →
Recently off market in Cedar Creek Country
Homes in Cedar Creek Country that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 152 Pioneer Trail · off market
Housing distress & ownership in Cedar Creek Country, Palatka
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Every Home for Sale in Cedar Creek Country Palatka Right Now (1)
All 1 active and pending Cedar Creek Country Palatka listings with a detail page, newest first, refreshed twice a day from the MLS.
- 241 Pioneer Trail · $679,000 · 4 bd / 3 ba · listed Aug 14, 2026 · listed by Betros Realty Inc
More Palatka home searches
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- Palatka home values: what is my house worth?
- ZIP 32043 housing scorecard
- 5 coming-soon communities in Clay County
Palatka guides & data
- Market data
- Property taxes (Putnam County)
- Homestead exemption (Putnam County)
- Home insurance cost
- HOA database
- New construction (Putnam County)
- ZIP codes
- Rent tracker
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Recent Developments in Cedar Creek Country
Development, infrastructure, retail, and school activity affecting Cedar Creek Country, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
Crill Avenue in Palatka to close Nov. 2 for railroad work
The city of Palatka will close both lanes of Crill Avenue from Osceola Street to South 13th Street near the railroad underpass on Monday, Nov. 2, from 9 a.m. to 2 p.m. The closure could extend to Nov. 3 if needed. No traffic can pass under the tracks until the railroad work is finished.
What it may mean for the marketDrivers in central Palatka should expect short detours and added travel time on the day of the closure. The site is about 3 miles west of Cedar Creek Country.
Source: Palatka Daily News - October 2026Infrastructure
Port Putnam receives $285,000 state grant for infrastructure planning
Port Putnam, off Comfort Road in Palatka, received a $285,000 Rural Infrastructure Fund planning grant from FloridaCommerce with no county match required. The money covers studies and preliminary designs for port upgrades. The port authority also voted to let its chairperson sign port documents and discussed a workshop on broadening the board.
What it may mean for the marketPlanning for port upgrades could eventually expand industrial and freight capacity near Palatka, supporting local employment and commercial land demand. The site is less than a mile northwest of Cedar Creek Country.
Source: Palatka Daily News - October 2026Development
Georgia-Pacific plans $150 million replacement of paper machine at Palatka mill
Georgia-Pacific announced a roughly $150 million project to replace the No. 4 paper machine, installed in 1980, at its Palatka mill. Completion is expected in the second quarter of 2028. The company says the project will not directly add permanent jobs at a mill that employs 1,032 people, though construction will bring in contractors.
What it may mean for the marketThe investment signals long-term commitment to a major Putnam County employer and should bring temporary contractor activity to the Palatka area through 2028. The site is about 3 miles northwest of Cedar Creek Country.
Source: Palatka Daily News - October 2026Development
Palatka commissioners give first approval to annex 10 parcels
The Palatka City Commission voted 3-2 on its Thursday meeting to give the first of two required approvals to annex 10 parcels into the city, against legal advice to wait. Parcel locations, acreage and planned use were not published in the visible report.
What it may mean for the marketAnnexation would extend city services and zoning to additional parcels around Palatka, potentially adding developable land inside city limits. The site is about 3 miles west of Cedar Creek Country.
Source: Palatka Daily News
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
25% of homes for sale in ZIP 32043 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-13).
Email me new listings in Cedar Creek Country
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cedar Creek Country
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cedar Creek Country will answer, and the answer is published on this page for the next buyer.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Cedar Creek Country Palatka year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
Is Cedar Creek Country a buyer's or seller's market right now?
Who is the best real estate agent for Cedar Creek Country?
How do I find a top Palatka real estate agent who knows Cedar Creek Country?
Can Momentum Realty connect me with an agent for Cedar Creek Country?
Where is Cedar Creek Country, and what county is it in?
How far is Cedar Creek Country from downtown Jacksonville and the beach?
Should you buy in Cedar Creek Country?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 12, 2026) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2013 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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See how Cedar Creek Country fits the bigger picture — live prices, inventory, and Momentum Scores: