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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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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

214 BAKER, Satsuma, Florida 32189 MLS 2142002

214 BAKER, Satsuma, Florida 32189

4Bedroom(s)
2Bathroom(s)
31Picture(s)
2,280Sqft
Very spacious home on just over an acre zoned agriculture just off Highway 17 between Palatka and Crescent City. So many possibilities nearby for recreation on the St. Johns River and less than an hour to the beach. Rural country living that is still convenient to shopping. One of the nicest floor plans you will find with huge kitchen that has tons of cabinets.
$259,900

115 LAKE SUSAN, Hawthorne, Florida 32640 MLS 2141475

115 LAKE SUSAN, Hawthorne, Florida 32640

2Bedroom(s)
2Bathroom(s)
62Picture(s)
1,348Sqft
Tucked along the peaceful shores of Lake Wimberly, this waterfront property offers a rare blend of privacy and flexibility. The main home features 2 bedrooms and 2 full baths with a split layout, designed for comfortable living and filled with natural light. Enjoy quiet mornings or relaxed evenings from the screened porch overlooking the water.
$259,900

155 TOMPKINS, Pomona Park, Florida 32181 MLS 2140420

155 TOMPKINS, Pomona Park, Florida 32181

3Bedroom(s)
4Bathroom(s)
72Picture(s)
1,860Sqft
FINANCING AVAILABLE — THIS IS NOT A CASH-ONLY SALE. Unlike many homes of this style and age that have been incorrectly marketed as cash-only, 155 Tompkins Road is financeable through select lenders. Don't let outdated assumptions limit your buyer pool — conventional and specialty financing options exist for qualified buyers.
$259,900

129 CRYSTAL LAKE, Melrose, Florida 32666 MLS 2137812

129 CRYSTAL LAKE, Melrose, Florida 32666

4Bedroom(s)
3Bathroom(s)
38Picture(s)
2,150Sqft
Well-maintained triple-wide mobile home located in Ashley Lake Plantation on 1.02 acres with AG zoning, offering 2,150 square feet of heated and cooled living space. This spacious 4-bedroom, 3-bath home features an open island kitchen with stainless steel appliances, a pantry, and an inside laundry room.
$259,900

1307 OCEAN, Palatka, Florida 32177 MLS 2125481

1307 OCEAN, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
9Picture(s)
0Sqft
Your AMERICAN DREAM HOME is UNDER CONSTRUCTION with Precision Home Builders A VETERAN OWNED AND OPERATED custom home builder company. Be the VERY FIRST OWNER of A BRAND NEW 3 Bedrooms 2.5 baths home. THE MAGNOLIA Model has an attached two car garage with an open front porch and covered back lanai. The Kitchen with solid wood cabinets, plenty of drawers and an island to grab a quick breakfast.
$259,900

276 MELROSE LANDING, Hawthorne, Florida 32640 MLS 2122122

276 MELROSE LANDING, Hawthorne, Florida 32640

2Bedroom(s)
2Bathroom(s)
65Picture(s)
1,004Sqft
FIVE ACRE PRIVATE AIRPORT PROPERTY IN MELROSE LANDING WITH PAVED RUNWAY NEAR HISTORIC MELROSE FLORIDA. The 2/2 Log Home needing some work has metal roof, fireplace and open floor plan. It's all fenced, paved on two sides and has 349 ft of frontage on the taxi way. The private airport features 3200' lighted paved runway with an extended 1200' of sodover, and a member community center.
$259,900

535 PROSPECT, Crescent City, Florida 32112 MLS 2142297

535 PROSPECT, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
50Picture(s)
1,316Sqft
A Little Piece of Old Florida Charm, tucked beneath a canopy of shade trees on a quiet street in Crescent City, this 3-bedroom, 2-bath home feels like a place where life naturally slows down. Set on a half-acre, there's room here to breathe, unwind, and truly enjoy your surroundings.
$259,000

407 RUSTIC, Satsuma, Florida 32189 MLS 2139575

407 RUSTIC, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
55Picture(s)
1,481Sqft
Boat days. Fishing mornings. Quiet nights under the stars. This is the lifestyle waiting for you at 407 Rustic Rd in Satsuma. Dunn's Creek is just down the road and leads straight into the St. Johns River. Spend your weekends on the water, then head home to peace and quiet.
$259,000

174 GECK, Palatka, Florida 32177 MLS 2136255

174 GECK, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
33Picture(s)
1,290Sqft
This charming 3-bedroom, 2-bath property sits on a spacious 1.09-acre lot, offering the perfect blend of comfort and room to breathe. Inside, you'll love the galley kitchen featuring brand-new appliances along with a washer and dryer for added convenience.The home has been thoughtfully updated with fresh interior and exterior paint, new flooring, and modern touches throughout.
$259,000

140 JUNIOR LAKE, Interlachen, Florida 32148 MLS 2014081

140 JUNIOR LAKE, Interlachen, Florida 32148

25Picture(s)
0Sqft
Waterfront Acreage on Junior Lake. Discover 12.07 acres of waterfront bliss on Junior Lake! With approximately five acres of uplands, this cleared parcel comes with electric service and a gated entrance. Tucked away at the end of a peaceful road, it's perfect for your new build.
$259,000

115 RIVER BEND, Welaka, Florida 32193 MLS 2126666

115 RIVER BEND, Welaka, Florida 32193

1Bedroom(s)
1Bathroom(s)
44Picture(s)
825Sqft
Welcome to Beechers Point, a peaceful riverfront community in a sleepy North Florida town known for world-class fishing, abundant wildlife, and direct access to the scenic St. Johns River. This charming 1-bedroom, 1-bath condominium offers comfortable ground level single-story living with a well-designed layout and inviting indoor-outdoor flow.
$257,500
1032 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

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

Putnam County Fl Waterfront Homes for Sale
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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.