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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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7069 CRILL, Palatka, Florida 32177 MLS 788478

7069 CRILL, Palatka, Florida 32177

2Picture(s)
0Sqft
2+ acre double corner lot, zoned C-1. Property has approximately 390 ft of road frontage on heavily traveled Crill Ave for great exposure. Located in the county. Sellers are extremely motivated & will consider all offers.
$299,000

104 CARTER-WHITTAKER, Pomona Park, Florida 32181 MLS 2093713

104 CARTER-WHITTAKER, Pomona Park, Florida 32181

2Bedroom(s)
1Bathroom(s)
42Picture(s)
1,039Sqft
*LAKEFRONT*GORGEOUS VIEWS*ACREAGE* Escape to your own private retreat with this charming 3-bed/1-bath LAKE CABIN, perfectly situated right on Lake Como! This unique property boasts a HUGE, NICELY SHADED BACKYARD offering GORGEOUS VIEWS of the lake from nearly every angle of the house.
$298,000

1413 CLEVELAND AVE, Palatka, Florida 32177 MLS 2111262

1413 CLEVELAND AVE, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
50Picture(s)
1,627Sqft
NOW INCLUDES A PRIVACY FENCE, BLINDS, AND WASHER/DRYER!!! NO HOA/CDD Fee! Discover the NEW Kennedy floor plan, a 4-bedroom, 2-bath, and 2 car garage home.
$297,500

624 PALMETTO, Crescent City, Florida 32112 MLS 2129297

624 PALMETTO, Crescent City, Florida 32112

3Bedroom(s)
1Bathroom(s)
14Picture(s)
1,325Sqft
Beautiful home with waterfront access to Lake Stella! This corner lot home situated across the street from the lake but has a separate lot with approx 35 ft of water frontage. Close to a city park, and minutes from Downtown Crescent City and Crescent Lake. 3 bedroom, 1 1/2 bath home, with 1 car attached garage, 2 car separate garage and an RV carport.
$295,000

155 FRAN, Satsuma, Florida 32189 MLS 2127609

155 FRAN, Satsuma, Florida 32189

32Picture(s)
0Sqft
3.25± acres on Dunns Creek offering privacy and waterfront access in a peaceful natural setting. The property includes a dock renovated in 2022 with an electric boat lift and a small lockable storage room, along with two (2) 30-amp electric hookups and an artesian flowing well. Zoned R-2, which allows for conventional homes, modular homes, or mobile homes. Approximately 0.
$295,000

99 BROAD RIVER, Welaka, Florida 32193 MLS 2113959

99 BROAD RIVER, Welaka, Florida 32193

2Bedroom(s)
2Bathroom(s)
34Picture(s)
1,208Sqft
MUST SELL – OWNER FELL IN LOVE!! Unbeatable Price for Breathtaking Views – Plus Short-Term Rental Approved! Don't miss this incredible opportunity to own a 2-bedroom, 2-bathroom riverfront condo in the heart of Welaka, FL – one of the most charming towns along the St. Johns River! At approximately 1,208 sq. ft.
$294,999

3615 WEAVER, Palatka, Florida 32177 MLS 2105558

3615 WEAVER, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
30Picture(s)
1,500Sqft
Welcome to your dream home! This beautiful 3-bedroom, 2-bathroom home, built in 2022, offers a perfect blend of modern style and comfortable living. Step inside to discover an inviting and open-concept living space. The heart of the home is the stunning kitchen, which features classic white shaker cabinets, elegant granite countertops, and sleek stainless steel appliances.
$294,900

175 WHIRLWIND LOOP, Hawthorne, Florida 32640 MLS 2138700

175 WHIRLWIND LOOP, Hawthorne, Florida 32640

3Bedroom(s)
2Bathroom(s)
64Picture(s)
1,152Sqft
IS NOW THE TIME TO MAKE YOUR MOVE BACK TO SOME COUNTRY LIVING? Right in the heart of the Lake Region near historic Melrose, Florida. On over 2 acres, is this roomy split floorplan 3-bedroom, 2-bath home. The home has recently been upgraded and remodeled, including: a metal roof, vinyl flooring throughout, complete wall finishing, electrical, lighting, plumbing, drain field and more.
$294,900

541 PALMETTO BLUFF, Palatka, Florida 32177 MLS 2124460

541 PALMETTO BLUFF, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
26Picture(s)
1,334Sqft
Beautiful new construction 3-bedroom, 2-bath country home featuring a desirable split floor plan, soaring 10-foot ceilings, and 8-foot interior and exterior doors throughout. The home includes a covered carport for parking, a new flowing deep well, and a new septic system.
$294,000

109 CODY, Satsuma, Florida 32189 MLS 2112302

109 CODY, Satsuma, Florida 32189

2Bedroom(s)
1Bathroom(s)
29Picture(s)
1,562Sqft
Have a look at this package! Perfect for a group of family or friends wanting river access for gatherings, but their own space to rest. Or, live in one while preparing the others for rental income.
$292,000

1400 HARGROVE, Palatka, Florida 32177 MLS 2139293

1400 HARGROVE, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
1Picture(s)
1,959Sqft
Motivated Seller! Don't miss this opportunity to own a charming 3-bedroom, 2-bathroom home with 1,959 sq ft located in a quiet and established neighborhood in Palatka. Situated on a large lot, the property provides excellent outdoor space perfect for relaxing, gardening.
$290,000

113 RELLIM, Palatka, Florida 32177 MLS 2140921

113 RELLIM, Palatka, Florida 32177

4Bedroom(s)
3Bathroom(s)
52Picture(s)
2,094Sqft
Welcome to 113 East Rellim Drive–where space, flexibility, and comfort come together on a beautifully positioned corner lot at the end of a quiet, horseshoe-shaped subdivision in Palatka. This spacious 4-bedroom, 3-bathroom home offers approximately 2,090 square feet of living space on a generous 1/3-acre lot.
$289,900
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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
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I have experience that other agents simply do not have. 

Picture of Mike Schwiebert

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.