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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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736 S HIGHWAY 17, San Mateo, Florida 32187 MLS 2084445

736 S HIGHWAY 17, San Mateo, Florida 32187

15Picture(s)
0Sqft
Prime Commercial Opportunity in a Growing Area – Unlock the value of 1.54 acres of C-2 zoned property located in a rapidly developing area. Currently operating as a flea market with 34 individual stands/buildings, this versatile site offers a unique opportunity for both investors and developers. Continue to run the existing flea market or reimagine the entire space to suit your vision.
$270,800

190 LAKE MARGO, Satsuma, Florida 32189 MLS 2142126

190 LAKE MARGO, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
3Picture(s)
1,389Sqft
Pre-construction opportunity in St. Johns River Estates–build your vision from the ground up. Located just moments from the St. Johns River, this homesite offers a setting where the water naturally becomes part of everyday life. Enjoy private community boat ramp access, with optional boat slips available for just $25/month–an uncommon feature this close to the river.
$270,000

184 LAKE MARGO, Satsuma, Florida 32189 MLS 2142119

184 LAKE MARGO, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
3Picture(s)
1,340Sqft
Pre-construction opportunity in St. Johns River Estates–build your vision from the ground up. Located just moments from the St. Johns River, this homesite offers a setting where the water naturally becomes part of everyday life. Enjoy private community boat ramp access, with optional boat slips available for just $25/month–an uncommon feature this close to the river.
$270,000

177 LAKE MARGO, Satsuma, Florida 32189 MLS 2142101

177 LAKE MARGO, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
3Picture(s)
1,514Sqft
Pre-construction opportunity in St. Johns River Estates–build your vision from the ground up. Located just moments from the St. Johns River, this homesite offers a setting where the water naturally becomes part of everyday life. Enjoy private community boat ramp access, with optional boat slips available for just $25/month–an uncommon feature this close to the river.
$270,000

149 LAKE MARGO, Satsuma, Florida 32189 MLS 2137595

149 LAKE MARGO, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
33Picture(s)
1,389Sqft
Brand New Construction in St. Johns River Estates–completed and move-in ready. Located just moments from the St. Johns River, this home offers a lifestyle where the water becomes an extension of your backyard.
$270,000

100 MANGELS, Interlachen, Florida 32148 MLS 2103081

100 MANGELS, Interlachen, Florida 32148

2Bedroom(s)
2Bathroom(s)
30Picture(s)
1,296Sqft
BEAUTIFUL 2BR 2BA HOME LOCATED ON LAKE FAYE. This home has an open floor plan and GEORGOUS views of Lake Faye from the kitchen, living room and back porch. Enjoy the beautiful sunrises with you morning coffee. Very spacious master suite and walk in shower. Second bedroom is very large as well. Laundry room comes with washer and dryer. Very nice couch with recliners on each end a large TV.
$270,000

130 ROBERTS, Satsuma, Florida 32189 MLS 2130094

130 ROBERTS, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
26Picture(s)
1,300Sqft
Escape to this enchanting, sun-drenched country retreat, perfectly nestled on a corner lot. This home is designed with a welcoming, expansive covered front porch perfect to unwind. Inside, enjoy an open-concept living area with large bright rooms, an abundance of natural light to a spacious chef's kitchen with an oversized central island.
$270,000

598 OLD SAN MATEO, San Mateo, Florida 32187 MLS 2122295

598 SAN MATEO ROAD, San Mateo, Florida 32187

4Bedroom(s)
2Bathroom(s)
14Picture(s)
2,250Sqft
. This 4-Bedroom2 Bath home has been completely renovated. New flooring and paint throughout. Inside you will find an open concept kitchen with breakfast bar. Kitchen is well appointed with Frigidaire appliances. This home offers a split plan. Primary bedroom includes walk-in closet ensuite with separate shower and a soaking tub. The living area is bathed in light.
$270,000

00 HWY 20, Interlachen, Florida 32148 MLS 1137876

00 HWY 20, Interlachen, Florida 32148

6Picture(s)
0Sqft
This Prime Commercial Property is located within the City of Interlachen with approx 1.6 acres located on Hwy 20. This 4 lane highway has easy access to I-95 to the East and I-75 to the West. Property is zoned C-3, has city water, fire hydrant and fiber optic cable available. There is already two paved DOT cut-outs for easy access at each end of the property.
$270,000

118 LUDWIG, Crescent City, Florida 32112 MLS 2133958

118 LUDWIG, Crescent City, Florida 32112

2Bedroom(s)
2Bathroom(s)
55Picture(s)
1,180Sqft
BRING YOUR OFFERS! Meticulously maintained 2-bedroom, 2-bath home offering comfort, thoughtful upgrades, and beautiful spaces to relax both inside and out. The home features all new appliances, quartz countertops, and new window seals, along with a brand-new shower in the primary bathroom.
$269,900

111 HOLLY, Florahome, Florida 32140 MLS 2137268

111 HOLLY, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
46Picture(s)
1,848Sqft
Escape to the peaceful charm of Florahome, a serene retreat just minutes from George's Lake for boating and fishing. Whether you're heading out for an early morning cast or an evening sunset cruise, lake life is right at your fingertips.
$269,000

302 14TH, Palatka, Florida 32177 MLS 2106411

302 14TH, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
35Picture(s)
1,425Sqft
Welcome to this brand-new 3-bedroom, 2-bathroom home in the heart of Palatka! Built with quality in mind, this 1,425 sq. ft. residence features durable Hardie board siding and a shingle roof, offering both style and low maintenance. Situated on a 0.17-acre lot, the home includes a one-car garage and is conveniently located close to shopping, dining, schools, and all that Palatka has to offer.
$269,000
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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
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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.