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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1942 STATE ROAD 20, Hawthorne, Florida 32640 MLS 2139383

1942 STATE ROAD 20, Hawthorne, Florida 32640

3Bedroom(s)
2Bathroom(s)
24Picture(s)
1,800Sqft
Solid and inviting, this concrete block home sits on a full acre, offering space, durability, and comfort. Featuring a metal roof (permit found 2012) for long-term peace of mind, the home includes three bedrooms and two baths.The oversized owner's suite provides a spacious retreat with plenty of room to relax.
$229,900

105 3RD, Georgetown, Florida 32139 MLS 2112500

105 3RD, Georgetown, Florida 32139

3Bedroom(s)
2Bathroom(s)
29Picture(s)
1,490Sqft
Welcome to your brand-new home by Precision Home Builders! Step inside to discover a bright, open-concept 1,490 square foot split floor with 3-bedrooms and 2-bathrooms. Upon entering you'll notice the high vaulted ceilings that make the living and kitchen areas feel spacious and inviting.
$229,900

LOT 1 309, Satsuma, Florida 32189 MLS 2129433

LOT 1 309, Satsuma, Florida 32189

4Picture(s)
0Sqft
IMPROVED PRICE!!!!!! PER PUTNAM COUNTY SHOULD BE ABLE TO SEPERATE INTO I ACRE LOTS FOR BUILDING RR BUYER TO PAY SURVEY FOR THEIR FUTURE USE.
$229,900

124 IDLEWOOD ACRES, Pomona Park, Florida 32181 MLS 2139882

124 IDLEWOOD ACRES, Pomona Park, Florida 32181

3Bedroom(s)
2Bathroom(s)
38Picture(s)
1,404Sqft
Charming and well-maintained home nestled on a beautifully treed 0.57-acre lot in a quiet Pomona Park neighborhood. In 2024, the home was updated with a new metal roof, appliances, vinyl skirting, new front deck, and a newly re-screened back porch area. Enjoy cooking on the beautiful gas stove and relaxing in the peaceful surroundings.
$229,000

312 OAK, Crescent City, Florida 32112 MLS 2053922

312 OAK, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
25Picture(s)
1,577Sqft
Circa 1925 Craftsman home in the heart of Crescent City! This 3-bedroom, 2-bath charmer features beautiful hardwood floors, original diamond-shaped windows, and lovely built-ins flanking the fireplace, which can easily be converted to gas. A true must-see to appreciate! Updated in 1995 per county records.
$229,000

PARCEL 7 HILLSBOROUGH, Florahome, Florida 32140 MLS 2101354

PARCEL 7 HILLSBOROUGH, Florahome, Florida 32140

2Picture(s)
0Sqft
13 +/- acres in peaceful and tranquil setting of Florahome, with 247 +/- ft on Hillsborough Ave & 220 ft +/- on Fire Line Trl . Known for its small-town charm, Florahome is one of the best kept secrets. This would be a perfect place to build yoru dream home or that weekend getaway you've always wanted. If you love boating, you'll be less than a mile away from George's Lake public boat ramp.
$229,000

133 CRESTWOOD, Palatka, Florida 32177 MLS 2128174

133 CRESTWOOD, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
45Picture(s)
1,512Sqft
Welcome to this well-maintained single-family home situated on a spacious .22-acre lot in a great Palatka location. This 3-bedroom, 2-bath home offers comfortable living with recent updates including new flooring, an updated primary bathroom, and new ductwork completed in 2024.
$228,000

1811 KATE, Palatka, Florida 32177 MLS 2103171

1811 KATE, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
25Picture(s)
1,776Sqft
Motivated Seller! Welcome to this charming and versatile home featuring 3 bedrooms, plus a potential 4th bedroom, and 2.5 bathrooms–offering plenty of space and flexibility for today's lifestyle. Located in a desirable neighborhood, this home is perfect for a growing family, multi-purpose living, or a peaceful retreat.
$226,000

115 VERMONT, Crescent City, Florida 32112 MLS 2139571

115 VERMONT, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
23Picture(s)
1,692Sqft
Welcome to River Retreat Living. This 3-bedroom, 2-bath home, built in 2008, offers nearly 1,700 sq ft of space with a layout designed for everyday comfort. Just a short drive to the river, you'll enjoy the charm of a waterfront community along with nearby local spots, all while coming home to a quiet, relaxed setting. It's the kind of place that just feels easy to live in.
$225,000

100 KENWOOD BOAT RAMP RD, Interlachen, Florida 32148 MLS 2138159

100 KENWOOD BOAT RAMP RD, Interlachen, Florida 32148

7Picture(s)
1,536Sqft
This is an AS IS property with existing unlivable older mobile home that has been partially gutted for renovations. The property has a metal shed and large open pole barn sitting on 5 acres, located less than 1 mile from the boat ramp, within 10 minutes to shopping and dining. This property has many possibilities with residential use and agricultural zoning.
$225,000

400 HOLLY, Florahome, Florida 32140 MLS 2135466

400 HOLLY, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
22Picture(s)
1,352Sqft
This charming home sits nestled on a picturesque, 1.24-acre lot with majestic trees in a natural setting. Step into a warm, airy living room that flows seamlessly into a kitchen that is as sleek as it is functional; replete with handsome cabinetry and ample countertop space. The dining room is the perfect spot for family meals or exciting game nights.
$225,000

101 HARRIS, Palatka, Florida 32177 MLS 2131036

101 HARRIS, Palatka, Florida 32177

3Bedroom(s)
3Bathroom(s)
28Picture(s)
1,920Sqft
Well maintained block home located in charming and historic St Johns riverfront community of Palatka. Sitting right off US 17- a main artery leading to the Jacksonville area via Clay county, and centrally located keeping Gainesville, St Augustine, and Jacksonville all within an hour's drive. Sturdy block home with a metal roof. Features 3 bedrooms and 3 baths with a large living area.
$225,000
1034 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.