Cedar Creek
Homes for Sale in Palatka, FL
All 122 homes for sale in Palatka, FL · median $264,700 · 126 homes for sale in 32177 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 38 closed sales in Cedar Creek in Palatka, FL since 2001, the most recent in May 2026. Recorded prices across those 36 sales ran from $40,000 to $725,000 (median $285,000), on homes of 768 to 3,432 sq ft. Across Palatka as a whole, 43 homes closed in the last 12 months at a median of $210,000, 61 median days on market, with 8 homes for sale today. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $4,810 ($4,140 with the full homestead exemption).
Cedar Creek sits in Palatka, in Putnam County, and with a closings window of just two recent sales the pricing signal here is thin. What that means in practice: a single well-renovated home or a single tired one can swing the apparent market more than any real trend. Price in a community like this is condition-driven and property-specific, not a tidy per-square-foot number you can lean on.
For a buyer, that argues for patience and a careful read of each individual listing rather than assuming a going rate. For a seller, it means comps are scarce and you should expect an appraisal to hinge on the specifics of your home. Neither side should treat the last sale as gospel.
Nearby homes for sale
No active listings inside Cedar Creek right now. These are the 2 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cedar Creek is a small-volume community in Palatka where activity is light enough that each transaction carries weight; treat it as a place to evaluate homes one at a time rather than by market averages.
realMLS (Northeast Florida) sales records identify 18 homes in Cedar Creek that have changed hands since 2001, built between 1955 and 2007 (median 1989), with a median living area of about 1,766 sq ft and a typical 3-bedroom, 2-bath layout; 72% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
Who Cedar Creek is best for.
Best for
- Buyers who want a specific property in Palatka and can move deliberately rather than on a tight timeline
- Buyers willing to do careful diligence on condition and systems in exchange for less bidding pressure
- Sellers whose home shows well and who can be patient while value is established property-by-property
Probably not for
- Buyers who need to close quickly against a deep pool of listings
- Buyers who want firm, data-backed comps before committing
- Sellers who need a fast, average-driven price with predictable appraisal support
The market around Cedar Creek
Cedar Creek is too small for its own price trend, so here is the market around it.
In ZIP 32177, 166 homes are on the market and 25% are under contract — a steady corner of Palatka.
Across Putnam County, 701 homes are active and 163 pending (19% under contract).
In ZIP 32177 (Palatka), 162 homes closed in the last 12 months at a median of $214K ($176/sq ft), up 5.5% year over year, with a median 61 days on market. Right now 14 active and 5 pending listings put supply at about 4.3 months — a balanced market. See the live ZIP 32177 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Cedar Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Cedar Creek, 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.
The Cedar Creek buying strategy.
If we were buying in Cedar Creek 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.
Reading a thin market
With only two closings in the current window, there is not enough data to draw a price range or a reliable trend line. That is not a knock on Cedar Creek — it is simply the reality of a low-turnover pocket of Putnam County. The upside is that when a home does list, it is not competing against a wall of near-identical inventory.
The practical work here is due diligence on the specific property: age and condition of systems, lot, and how the home actually shows. Because comps are limited, financing and appraisal can be more sensitive to a single data point, so build in time and expect to justify value on the merits of the house itself.
The location and the amenities are priced into every listing in Cedar Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume community, generic market averages mislead more than they help. We work Cedar Creek by underwriting the individual property — condition, comparables from the wider Palatka area when needed, and a realistic appraisal strategy — so you are not pricing off a single sale or overpaying against one. We will also tell you plainly when the data here is too thin to support the number you want.
Cedar Creek 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 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Cedar Creek, 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?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2001 (38 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 →
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See how Cedar Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Cedar Creek. These are the public schools most often assigned to other communities in ZIP 32177; zones change and vary by address, so confirm with the district before you buy.
- Palatka High School · High (assigned to 7 nearby communities)
- Robert H. Jenkins Junior Middle School or C. L. Overturf Jr. 6th Grade Center · Middle (assigned to 7 nearby communities)
- James A. Long Elementary School · PreK-5 (Putnam, Palatka area) · FLDOE grade B (assigned to 5 nearby communities)
- Palatka Jr.-Sr. High School · 7-12 (assigned to 4 nearby communities)
- William D. Moseley Elementary School · Elementary · FLDOE grade C (assigned to 3 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Cedar Creek
Where is Cedar Creek?
Cedar Creek is a community in Palatka, Putnam County, Florida, ZIP 32177.
Are there homes for sale in Cedar Creek right now?
No active listings inside Cedar Creek at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Cedar Creek have an HOA or CDD?
No HOA is on record for Cedar Creek 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.
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