Cedar Creek Estates
Homes for Sale in Palatka, FL
All 106 homes for sale in Palatka, FL · median $255,500 · 112 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of WATSON REALTY CORP · via realMLS
As of October 2026, Cedar Creek Estates in Palatka, FL has 1 home for sale. As of October 2026, the MLS records 18 closed sales in Cedar Creek Estates in Palatka, FL since 2004, the most recent in June 2025. Across Palatka as a whole, 43 homes closed in the last 12 months at a median of $291,720, 62 median days on market, with 7 homes for sale today. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $4,930 ($4,250 with the full homestead exemption).
Cedar Creek Estates is a small pocket of roughly 50 homes in Palatka, and what sets price here is condition and vintage, not a tidy formula. The build span runs from 1967 all the way to 2024, with a median build year of 2005, so a buyer is comparing genuinely different eras of construction side by side. That spread means the price you see on any one listing is telling you as much about updates and age as it is about the community itself.
There are no recorded closings in the current window, so there is no fresh comparable to anchor a number to. That is a market posture that rewards patience on both sides: sellers should expect to justify price with condition and recent work rather than lean on neighborhood momentum, and buyers should underwrite each home on its own merits. Expect a wide spread rather than a clean per-square-foot benchmark.
The 60-Second Overview
Cedar Creek Estates is a compact community of about 50 homes with a median living area just over 2,200 square feet, spanning nearly six decades of construction. The mix of eras, more than any single stat, defines the shopping experience here.
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 Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Cedar Creek EstatesPhotos from realMLS listings in Cedar Creek Estates; content deemed reliable but not guaranteed.
Who Cedar Creek Estates is best for.
Best for
- Buyers wanting more than 2,200 square feet of living space who will underwrite a home on its condition
- Buyers open to either newer construction or an older home they can update over time
- Owner-occupants planning to homestead a primary residence in a small Palatka community
Probably not for
- Buyers who need recent comparable sales to feel confident on price
- Buyers wanting uniform, same-era housing stock across the neighborhood
- Investors chasing a quick, benchmark-driven flip in a market with no current closings
The market around Cedar Creek Estates
Cedar Creek Estates is too small for its own price trend, so here is the market around it.
In ZIP 32177, 144 homes are on the market and 23% are under contract — a steady corner of Palatka.
Across Putnam County, 721 homes are active and 156 pending (18% under contract).
In ZIP 32177 (Palatka), 240 homes closed in the last 12 months at a median of $308K ($180/sq ft), down 2.9% year over year, with a median 64 days on market. Right now 13 active and 4 pending listings put supply at about 5.3 months — a buyer's market. See the live ZIP 32177 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Cedar Creek Estates specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Cedar Creek Estates, 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.
Homes For Sale Right Now in Cedar Creek Estates
Live MLS inventory for Cedar Creek Estates. 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 Estates listings as of 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Schools
- Putnam County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- James A. Long · Elementary
- Palatka · High
Zoned schools reflect the assignments reported on recent Cedar Creek Estates listings and can change; always confirm with Putnam County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cedar Creek Estates address.
Shop the zone: Homes zoned for Palatka High School
The Cedar Creek Estates buying strategy.
If we were buying in Cedar Creek Estates 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Estates.
A wide-vintage pocket in Palatka
With homes built between 1967 and 2024 and a median build year of 2005, this is not a uniform subdivision where every roofline matches. Older homes will carry the character and the maintenance calendar of their age; newer construction will command a premium for it. A median living size of about 2,236 square feet suggests real usable space is the norm rather than the exception, but square footage alone will not tell you what a home is worth here.
Homestead share sits at roughly 48 percent, meaning a little under half of the homes are owner-occupied as a primary residence. For a buyer, that mixed profile is worth noting up front; for a seller, it underscores that pricing off condition and updates will matter more than assuming a single community-wide value.
The location and the amenities are priced into every listing in Cedar Creek Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small with no recent closings and a wide build range, generic pricing tools fall short. We underwrite each home individually — vintage, updates, and living space — and tell you plainly when a listing is priced to its condition and when it is not. That is the difference between guessing and knowing what you are buying in Cedar Creek Estates.
Cedar Creek Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Cedar Creek Estates 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 Estates 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 Estates, 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 Estates home worth?
Get a no-obligation home value based on real comparable sales in Cedar Creek Estates, 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 →
Should you buy in Cedar Creek Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2004 (18 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 sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cedar Creek Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cedar Creek Estates with Momentum Realty’s local guides.
Common questions about Cedar Creek Estates
Where is Cedar Creek Estates?
Cedar Creek Estates is a community in Palatka, Putnam County, Florida, ZIP 32177.
Are there homes for sale in Cedar Creek Estates right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Cedar Creek Estates have an HOA or CDD?
No HOA is on record for Cedar Creek Estates in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Putnam County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.