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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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301 SARATOGA, Satsuma, Florida 32189 MLS 2113340

301 SARATOGA, Satsuma, Florida 32189

3Bedroom(s)
3Bathroom(s)
73Picture(s)
3,006Sqft
Experience the perfect blend of waterfront luxury and income potential in this unique Key West Inspired, thoughtfully designed, luxury, custom home. The primary residence boasts 2BD/2BA, and features an open-concept living with over-sized, sun-drenched windows, hardwood floors and soaring 10-foot ceilings.
$1,250,000

108 MAPLE, Florahome, Florida 32140 MLS 2132534

108 MAPLE, Florahome, Florida 32140

3Bedroom(s)
3Bathroom(s)
98Picture(s)
3,031Sqft
Welcome to The Lakehouse! Tucked away privately on the East side of George's Lake is a lakeside oasis that feels set apart from the world. Glistening waves stretch out under open skies and happy hour sunsets calm the senses and sooth the soul, while the surrounding woods create a natural backdrop for native wildlife like osprey, eagles, and deer to wander freely. The 3 bedroom/3.
$1,100,000

6905 OLD WOLF BAY, Palatka, Florida 32177 MLS 2120057

6905 OLD WOLF BAY, Palatka, Florida 32177

38Picture(s)
6,420Sqft
Prime medical office space in a premier location! Currently used as Putnam Diagnostic Imaging Center, this 6,420 sq ft building is located in a well-established medical district, just SW of HCA Florida Putnam Hospital.
$1,100,000

481 HIGHWAY 17, Palatka, Florida 32177 MLS 2007477

481 HIGHWAY 17, Palatka, Florida 32177

32Picture(s)
17,834Sqft
Opportunity of the Century! This 9.29 Acre parcel is Zoned C-2 Commercial with a Future Land Use of IL (Light Industrial).
$1,090,000

1825 ST JOHNS, Palatka, Florida 32177 MLS 2065427

1825 ST JOHNS, Palatka, Florida 32177

48Picture(s)
19,488Sqft
Iconic Palatka Property – Historic Newspaper Headquarters Available Prime Location & Versatility: 19,488 sq ft building on 1.84 acres in the heart of Palatka, FL. Home to the Palatka Daily News since 1967, offering rich history and local recognition. 11,960 sq ft of office space, ideal for a variety of businesses.
$1,050,000

201 OAK, Satsuma, Florida 32193 MLS 2123353

201 OAK, Welaka, Florida 32189

2Bedroom(s)
1Bathroom(s)
127Picture(s)
500Sqft
Total price: $3,500,000 for both parcels. Rare bundled opportunity featuring two parcels sold together: the residential cottage and the restaurant/commercial property (Parcel 41-12-26-9200-0140-0010). See MLS #2122960 for full details and specifications.
$1,000,000

0 HIGHWAY 19, Palatka, Florida 32177 MLS 2095964

0 HIGHWAY 19, Palatka, Florida 32177

7Picture(s)
0Sqft
Discover the perfect blend of potential and location with this exceptional vacant land parcel situated on the heavily traveled 4 lane, Highway19 near Triangle Park Recreational and Ball Fields, in close proximity to popular restaurants, shopping centers, a municipal airport and high-traffic areas, This property offers unmatched visibility and convenience.
$995,000

524 CEDAR CREEK, Palatka, Florida 32177 MLS 2136154

524 CEDAR CREEK, Palatka, Florida 32177

3Bedroom(s)
3Bathroom(s)
82Picture(s)
2,922Sqft
Welcome to a rare, gated riverfront estate offering 128 feet of navigable waterfront along the St. Johns River–where privacy, function, and lifestyle converge on approximately 1.47 acres.
$950,000

350 SUMMIT, Crescent City, Florida 32112 MLS 2120076

350 SUMMIT, Crescent City, Florida 32112

27Picture(s)
3,290Sqft
Prime commercial opportunity in the heart of downtown Crescent City! Discover the potential of this former bank building with 3,200+ sq ft, on approximately .67 acres. Located in a highly visible, high-traffic area, zoned GC-1 (General Commercial). Enjoy easy access from two entrances.
$949,000

1320 COUNTY RD 315, Melrose, Florida 32666 MLS 2138789

1320 COUNTY RD 315, Melrose, Florida 32666

3Bedroom(s)
3Bathroom(s)
115Picture(s)
3,821Sqft
Experience exceptional country living on this expansive 30 acre property, comprised of two parcels and designed for those seeking space, comfort, and privacy. This custom-built residence offers a generous open-concept living area featuring a spacious kitchen and gathering room ideal for hosting large family events, with seamless access to a screened outdoor porch for year round enjoyment.
$925,000

356 DRAYTON ISLAND, Georgetown, Florida 32139 MLS 2082619

356 DRAYTON ISLAND, Georgetown, Florida 32139

41Picture(s)
0Sqft
Island living meets old Florida charm! Consisting of 10 parcels, 83 +/- acres, and over 2200 feet of waterfront. Spend your days under beautiful hardwood hammocks and in the evenings enjoy breathtaking lakeside sunsets. Steeped in an abundance of our state's rich history, Drayton Island is located on Lake George and the St. Johns River.
$899,000

(PARCEL 1) HILLSBOROUGH, Florahome, Florida 32140 MLS 2135114

(PARCEL 1) HILLSBOROUGH, Florahome, Florida 32140

2Picture(s)
0Sqft
55.54 +/- acres in peaceful & tranquil setting of Florahome, with 960 +/- ft of frontage on Georges Lake & 2,000 +/- ft of frontage on paved E. Hillsborough Ave; plus you're right next to George's Lake public boat ramp. George's Lake is an 820-acre lake that can accommodate fishing, skiing, & jet skis. Have access from both Boat Ramp Rd & E.
$875,000
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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

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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.