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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194 WHIRLWIND, Hawthorne, Florida 32640 MLS 2123109

194 WHIRLWIND, Hawthorne, Florida 32640

4Bedroom(s)
2Bathroom(s)
41Picture(s)
1,456Sqft
Seller open to concessions with acceptable offer. Welcome to this brand-new 2025 double-wide home, perfectly situated on just over 2 acres along peaceful Whirlwind Lake. Offering privacy, space, and a true country setting, this property features a gravel driveway off a paved road, creating both convenience and a clean, welcoming approach.
$268,000

104 WATERWAY, Satsuma, Florida 32189 MLS 2139182

104 WATERWAY, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
53Picture(s)
1,040Sqft
MOTIVATED SELLERS….Waterfront 3BR/2BA home on canal leading to Dunn's Creek, perfect for boating and fishing! Relax on the covered 8×12 back deck with peaceful water views. Home features brand new HVAC with warranty, newer refrigerator, double oven, and stackable washer/dryer, and new front and back doors with storm doors. Underground utilities keep the landscape clean and tidy.
$265,800

3610 CRILL, Palatka, Florida 32177 MLS 1249175

3610 CRILL, Palatka, Florida 32177

1Picture(s)
0Sqft
$265,295

0 WOOTEN, Crescent City, Florida 32112 MLS 2139227

0 WOOTEN, Crescent City, Florida 32112

26Picture(s)
0Sqft
200 FT ON THE ST JOHNS RIVER FROM THIS 1/2 ACRE PARCEL WITH THE MOST GORGEOUS SUNSET YOU'LL EVER SEE! Less than 2 miles to world class bass fishing at Bass Pro Floridian Sports Club. This magnificent piece of property backs up to 2+ acres of conservation easement land which allows privacy and serenity in all directions where you can only see water & forests.
$265,000

352 COUNTY ROAD 315, Interlachen, Florida 32148 MLS 2138770

352 COUNTY ROAD 315, Interlachen, Florida 32148

5Bedroom(s)
3Bathroom(s)
4Picture(s)
2,027Sqft
Brand new home with new underground electric, new well and septic. This 5 bedroom, 3 bath home on a lake view lot strikes the right balance between space and comfort. The main living area opens into the kitchen, creating a natural gathering space, while the split floor plan allows for a more private primary suite.
$265,000

1837 STATE ROAD 20, Hawthorne, Florida 32640 MLS 2136737

1837 STATE ROAD 20, Hawthorne, Florida 32640

3Bedroom(s)
2Bathroom(s)
33Picture(s)
1,560Sqft
Beautiful Lake Front property on Cowpen Lake. Right in the heart of North Central Florida in the area known as The Lake Region is this cozy 2010, 3 Bed, 2 Bath manufactured home. Perfect for a big family or to make your own private retreat. Plenty of room for all your vehicles and toys. There is a 20'x 30' concrete slab and an included uninstalled 18'x 30' carport. This 1.
$265,000

203 5TH, Palatka, Florida 32177 MLS 2135085

203 5TH, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
31Picture(s)
1,296Sqft
This brand-new 2025 doublewide offers 3 bedrooms, 2 bathrooms, & sits on .76 acres in a peaceful area where a Sheriff's officer lives right across the street, adding an extra sense of security. Inside, you'll love the open-concept layout connecting the living room, dining area, and kitchen, perfect for everyday living or entertaining.
$265,000

TBD OLD WELAKA RD. (PARCEL A), Welaka, Florida 32193 MLS 2134133

660 OLD WELAKA, Welaka, Florida 32193

28Picture(s)
0Sqft
Your Private Sanctuary in the Bass Capital of the World Escape to the heart of Welaka, Florida, where old-world charm meets an outdoor enthusiast's paradise. This 3.8-acre parcel offers the perfect canvas for your custom estate, framed by a majestic canopy of oaks and the serene privacy of bordering Floridian Holdings LLC property on two sides.
$265,000

256 RIVER HILL, Welaka, Florida 32193 MLS 2116011

256 RIVER HILL, Welaka, Florida 32193

4Bedroom(s)
2Bathroom(s)
30Picture(s)
1,665Sqft
Looking for a home that feels right the minute you step inside? Start here. Step into comfort and small-town charm in this beautifully maintained 2022-built 4BR/2BA home in Welaka's River Hills. Bright, open living spaces flow into a modern kitchen with eat-in bar, perfect for cooking, gathering, or casual meals.
$265,000

1264 CORAL FARMS, Florahome, Florida 32140 MLS 2094170

1264 CORAL FARMS, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
62Picture(s)
1,502Sqft
New Construction in Florahome – Builder Incentives Available. Creative Finance Option(s) available upon approval – call Listing Agent for more details! Discover this beautifully crafted 3-bedroom, 2-bath semi-custom home situated on a .34-acre homesite shaded by mature live oak trees.
$265,000

121 JANET, Hollister, Florida 32147 MLS 2142318

121 JANET, Hollister, Florida 32147

3Bedroom(s)
2Bathroom(s)
24Picture(s)
1,512Sqft
Welcome to peaceful country living in a nearly new home! Built in 2023, this beautifully maintained 3 bed, 2 bath home offers 1,512 sq ft of stylish, move-in ready living space. Situated on 2.5 private acres, this property provides the perfect blend of modern comfort & quiet surroundings.
$264,900

171 RIVER RIDGE, Welaka, Florida 32193 MLS 2137160

171 RIVER RIDGE, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
17Picture(s)
1,477Sqft
Explore the interior layout that awaits at 171 River Ridge Pl. The kitchen includes all stainless steel appliances. The primary bathroom features double sinks and the primary bedroom contains a walk in closet. This property is a perfect blend of comfort and style, making it a must-see.
$260,000
1029 Results returned.Per Page

🌊 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

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

Putnam County Fl Waterfront Homes for Sale

I have experience that other agents simply do not have.