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Putnam County FL Waterfront Homes for Sale

Searching for Putnam County FL waterfront homes for sale? Welcome to 904HomeStore.com, your trusted resource for the newest riverfront, lakefront, and canal homes throughout Putnam County.

With over 18 years of real estate experience and 20+ years in construction, you’ll have an advantage when buying waterfront property — especially when evaluating dock construction, elevation, drainage, seawalls, and long-term property value.

Whether you’re looking for a St. Johns River home, lakefront retreat, or canal property with boat access, this page gives you access to the most up-to-date waterfront homes available.

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100 HAPPINESS, Welaka, Florida 32189 MLS 2129743

100 HAPPINESS, Welaka, Florida 32189

3Bedroom(s)
2Bathroom(s)
26Picture(s)
1,467Sqft
Come see this amazing waterfront MOVE IN READY home with exceptional views of the St. Johns River and a deep-water canal. This unique property is situated on a higher elevation lot and offers water views from most rooms. See gorgeous sunsets and sunrises from your choice of several indoor and outdoor gathering spaces.
$379,900

107 CHURCH LAKE, Interlachen, Florida 32148 MLS 2121406

107 CHURCH LAKE, Interlachen, Florida 32148

2Bedroom(s)
2Bathroom(s)
60Picture(s)
1,984Sqft
Spectacular Church Lake home offering comfort, versatility, and beautiful waterfront living. This impeccably maintained 2-bedroom, 2-bath residence features a flexible floor plan that can be converted to a 3-bedroom. The home has been freshly painted inside and out and showcases new flooring throughout, creating a crisp, move-in-ready feel.
$379,900

103 MISSOURI, Hawthorne, Florida 32640 MLS 2111594

103 MISSOURI, Hawthorne, Florida 32640

4Bedroom(s)
3Bathroom(s)
66Picture(s)
1,735Sqft
To be built. The Sabal model starting at $379,000 Various financing options available to include: Conventional, VA, FHA, and 100% USDA financing making it accessible to a wide range of buyers and budgets. This open-concept and spacious 4BR/3BA, split floor plan is all about value and affordability.
$379,000

500 GEORGETOWN SHORTCUT, Crescent City, Florida 32112 MLS 2089412

500 GEORGETOWN SHORTCUT, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
59Picture(s)
1,736Sqft
BELOW MARKET VALUE OPPORTUNITY! Private country retreat w/ incredible upside! Beautiful 2020 MH (newly installed in '22) sits on 9.5 acres(+-) of prime, open land. Offering not only peaceful rural living but also outstanding investment potential.
$379,000

116 ROUND LAKE, Palatka, Florida 32177 MLS 2138125

116 ROUND LAKE, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
46Picture(s)
2,052Sqft
Situated on a spacious 1-acre lot, this charming Palatka property offers the perfect blend of comfort, privacy, and room to grow. The home features new flooring throughout, a cozy fireplace, and accent walls that add warmth and character to the living space. The primary bedroom is conveniently located on the first floor for added ease and functionality.
$375,000

272 HARBOR, Palatka, Florida 32177 MLS 2135965

272 HARBOR, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
50Picture(s)
1,700Sqft
Waterfront opportunity with endless potential! This 2BR/2BA home offers approx. 1,700 sq ft on a rare 0.48-acre double lot, one of the largest on the canal, with direct access to the St. Johns River. Enjoy peaceful surroundings in a quiet neighborhood ideal for boating, fishing, and relaxing right from your backyard. The canal leads to the St. Johns River, which flows north to the Atlantic Ocean.
$375,000

187 LITTLE ORANGE LAKE, Hawthorne, Florida 32640 MLS 2129811

186 LITTLE ORANGE LAKE, Hawthorne, Florida 32640

2Bedroom(s)
1Bathroom(s)
16Picture(s)
1,804Sqft
COZY LAKE HOUSE REDUCED! Waterfront, solid concrete block/Hardie-sided home on 1.82 acres with a new roof (4/8/26). Cedar paneling; hickory kitchen cabinets; large pantry; stone-look ceramic tile floors (carpet in bedrooms and LR); with stunning views of Little Orange Lake.
$372,000

1017 OLD GAINESVILLE, Interlachen, Florida 32148 MLS 2078756

1017 OLD GAINESVILLE, Interlachen, Florida 32148

2Bedroom(s)
1Bathroom(s)
26Picture(s)
1,044Sqft
''FLORIDA LIVING WITH MINIMAL RISK'' These 9.21 acres is located in BEAUTIFUL INTERLACHEN with 268 ft. on two private lakes, TWIN LAKES. Interlachen has not seen the hurricane devastation that coastal regions have seen. For instance, Hurricane MILTON. Interlachen has winds gusts up to 50 miles an hour BUT NO SUSTAINED HURRICANE FORCE WINDS. A perfect place to build your country home.
$370,000

242 TAYLOR FURY, Pomona Park, Florida 32181 MLS 2126774

242 TAYLOR FURY, Pomona Park, Florida 32181

2Bedroom(s)
2Bathroom(s)
45Picture(s)
1,864Sqft
Three panoramic windows, one unforgettable Lake Como view! This beautifully updated 2BR/2BA lakefront home offers 1,864 sq ft of bright, open living space. A wall of sliding glass doors fills the home with natural light and showcases stunning water views from the main living areas. A double-sided fireplace adds warmth to both the living and dining spaces.
$369,999

164 CAROLE, Palatka, Florida 32177 MLS 2121556

164 CAROLE, Palatka, Florida 32177

6Bedroom(s)
3Bathroom(s)
32Picture(s)
2,975Sqft
Spacious and versatile 6-bedroom, 3.5-bath home offering nearly 3,000 square feet of living space on an oversized lot of over ½ acre. Thoughtfully designed for flexible living, this home features vinyl plank flooring, a dedicated office, and a large great room.
$369,900

105 CENTRAL, Crescent City, Florida 32112 MLS 2137700

105 CENTRAL, Crescent City, Florida 32112

3Bedroom(s)
1Bathroom(s)
52Picture(s)
1,267Sqft
Beautifully updated 3/1 Block home located in Historic Downtown Crescent City. Awesome Crescent Lake views, with 20×40 Lg detached covered RV Garage/Boat /car parking on concrete diveway and slab & boat ramp just feet away. Home offers tile wood plank flooring thru out, updated kithen ,cabinets, granite counter tops, stainless appliances.
$369,000

282 BYRD, Crescent City, Florida 32112 MLS 2097435

282 BYRD, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
24Picture(s)
1,781Sqft
LAKE FRONT 3/2 BLOCK HOME ON 4.8+/- ACRE WITH AN ADDITIONAL 4.65+/- ACRE PARCEL #26-10-27-0000-0103-0000. THIS HOME HAS AN UPDATED KITCHEN WITH GRANITE COUNTERTOPS AND UPDATED APPLIANCES, BATHS HAVE BEEN UPDATED, NEWER VINYL FLOORING AND CARPETING, ELECTRICAL UPGRADES IN 2022, METAL ROOF INSTALLED 2022, A/C INSTALLED 2022.
$367,000
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🌊 Search Putnam County Waterfront Homes for Sale

Browse the latest MLS listings including:

✔ St. Johns River waterfront homes
✔ Lakefront homes (Crescent Lake, Lake George, Lake Como)
✔ Canal homes with river access
✔ Homes with docks and boat lifts
✔ Waterfront land and acreage

👉 Use the home search below to view photos, pricing, and property details in real time.

 

📍 Waterfront Living in Putnam County, Florida

Putnam County is one of Northeast Florida’s best-kept secrets for affordable waterfront living.

Centered around the iconic St. Johns River — which stretches over 300 miles through Florida — the area offers a unique lifestyle built around water, nature, and recreation.

Buyers are drawn here for:

🎣 World-class fishing
🚤 Boating and river access
🌅 Scenic waterfront views
🏡 Larger properties at lower prices
🌴 Quiet, Old Florida lifestyle

 

🌊 Types of Waterfront Homes in Putnam County

Waterfront properties in Putnam County vary widely, giving buyers options at multiple price points.

 

🛶 Riverfront Homes

Directly on the St. Johns River with:

• Deep water access
• Private docks
• Expansive views
• Strong long-term value

 

🌅 Lakefront Homes

Popular lakes include:

• Crescent Lake
• Lake George
• Lake Como

Lake homes often offer:

• Calm water for recreation
• Private docks
• Beautiful sunset views

 

🚤 Canal Front Homes

Canal properties provide:

• More affordable entry points
• Boat access to the river
• Lower taxes in many cases

 

📊 Putnam County Waterfront Market Snapshot

  • There are typically 200+ waterfront homes available in Putnam County at any given time

  • Median listing prices for waterfront homes are around $300K range, depending on location and features

  • Waterfront land and acreage opportunities are also widely available

This makes Putnam County one of the most affordable waterfront markets in Florida.

 

🏘 Popular Waterfront Areas in Putnam County

Explore waterfront homes in:

• Palatka – Riverfront homes & historic areas
• Welaka – Known as the “Bass Capital”
• Satsuma – Canal homes with river access
• Crescent City – Lakefront living on Crescent Lake
• Pomona Park – Quiet lakefront communities

Each area offers unique opportunities depending on whether you want riverfront, lakefront, or canal access.

 

 

🤝 Why Work With 904HomeStore.com?

Waterfront homes require more expertise than traditional real estate.

With my background in real estate and construction, I help buyers:

✅ Evaluate docks, seawalls, and bulkheads
✅ Understand flood zones and elevation
✅ Identify structural and drainage issues
✅ Compare true waterfront values
✅ Navigate inspections and negotiations

You’ll make a smart, informed waterfront purchase — not a risky one.

 

📈 Selling a Waterfront Home in Putnam County?

If you’re selling, waterfront properties require a specialized marketing approach.

I provide:

✔ Premium listing presentation
✔ Targeted waterfront buyer marketing
✔ Professional photography
✔ Strategic pricing
✔ Strong negotiation

👉 Request a free waterfront home value report today.

 

🔎 Popular Waterfront Searches 

  • Putnam County FL waterfront homes for sale

  • St Johns River homes for sale Florida

  • Lakefront homes Putnam County FL

  • Riverfront homes Northeast Florida

  • Canal homes with boat access Florida

  • Affordable waterfront homes Florida

 

❓ Putnam County Waterfront Homes FAQ

Are waterfront homes in Putnam County affordable?
Yes. Compared to coastal Florida, Putnam County offers significantly more affordable waterfront options.

Can I get direct river access?
Yes. Many homes offer direct access to the St. Johns River or connected waterways.

Are docks common?
Yes. Many properties include private docks, boat lifts, or canal access.

Is waterfront property a good investment?
Yes. Waterfront property tends to hold value well due to limited supply and high demand.

📞 Start Your

Search for Waterfront Homes in Putnam County

👉 Browse Waterfront Homes for Sale
👉 Request a Free Home Value
👉 Contact 904HomeStore.com

Call Mike Now

🔑20+ Years in Construction and 18+ Years in Florida Real Estate 

Putnam County Fl Waterfront Homes for Sale
Send Mike a Message

I have experience that other agents simply do not have. 

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Mike Schwiebert

Mike Schwiebert is a two-time Best of Clay Realtor Winner, multiple-time Best of Jax top 5, a home selling expert, former general, building and remodeling contractor, Investor, and girl dad. 20+ years of construction experience and 18+ years of local real estate experience.