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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600 PALMETTO, Welaka, Florida 32193 MLS 2116153

600 PALMETTO, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
45Picture(s)
1,344Sqft
Rare Welaka Gem on Nearly an Acre — Owner Willing to Finance Half! River-Life Living Starts Here! Escape to this Refreshed 3BR/2BA home on a nearly one-acre fenced corner lot in golf-cart-friendly Welaka–a hard-to-find property of this size within city limits! Offering 1,344 sq ft of comfortable living just minutes from the St. Johns River, boat ramps, and local dining.
$225,000

102 RIVER BEND, Welaka, Florida 32193 MLS 2120542

102 RIVER BEND, Welaka, Florida 32193

1Bedroom(s)
1Bathroom(s)
39Picture(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 single-story living with a well-designed layout and inviting indoor-outdoor flow.
$224,900

210 HOLLY, Palatka, Florida 32177 MLS 2135356

210 HOLLY, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
19Picture(s)
1,582Sqft
Charming brick home located on a quiet street in Palatka! This inviting residence features an open floor plan with a roomy living area that is ideal for entertaining and everyday living. The kitchen offers an enormous pantry with ample storage, and the spacious utility room provides additional functionality and organization.
$224,000

106 BREEZEWOOD, San Mateo, Florida 32187 MLS 2132271

106 BREEZEWOOD, San Mateo, Florida 32187

3Bedroom(s)
2Bathroom(s)
26Picture(s)
1,510Sqft
Nice 3 Bed 2 Ba Canal front DWMH leading to the St. Johns River. Has a new Metal Roof, New Deck, Updated Plumbing, Screen Porch, Fireplace. CH/A unit is only 5 Yrs. old. Storage Room, New Hot water Heater and much more. Seller is also giving a $5000 Flooring concession.
$224,000

656 STATE ROAD 20, Palatka, Florida 32177 MLS 2138221

656 STATE ROAD 20, Palatka, Florida 32177

3Bedroom(s)
1Bathroom(s)
14Picture(s)
1,528Sqft
Adorable home on 1.33 acres!! This parcel features a 2-bedroom home with a spacious, connected 550 sq ft area, ideal for a master suite or running a home-based business studio, boutique or professional practice. This home has been completely rewired, new metal roof, heat and air, new plumbing, new flooring, water heater and appliances.
$222,900

1414 ROSELLE, Palatka, Florida 32177 MLS 2141412

1414 ROSELLE, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
11Picture(s)
1,085Sqft
Great location near shopping and services but not in the city limits so enjoy lower tax bill! Public water, paved street and no HOA. Sturdy concrete block construction with recent improvements such as newer metal roof, windows, updated bathrooms and kitchen in 2022. Oak shaded fenced backyard with small shed. Open living area with split bedrooms. Large tiled shower in master bath.
$220,000

118 RIVERSIDE, Satsuma, Florida 32189 MLS 2111212

118 RIVERSIDE, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
27Picture(s)
1,616Sqft
$10k CREDIT TOWARD CLOSING WITH ACCEPTABLE OFFER Enjoy life on the water with this canal-front home offering direct access to some of North Florida's best fishing spots. This well-kept mobile home combines comfort and convenience w/ a laid-back waterfront lifestyle.
$220,000

673 3RD, Welaka, Florida 32189 MLS 2087380

673 3RD, Welaka, Florida 32189

27Picture(s)
1,419Sqft
Great Investment Property! This property has 2 sides, ''A'', the larger side, and ''B'' side is smaller, has potential to be another office space or an Airbnb. Make it what you want.
$220,000

1001 SHELL, Welaka, Florida 32193 MLS 2116124

1001 SHELL, Welaka, Florida 32193

4Bedroom(s)
2Bathroom(s)
28Picture(s)
1,620Sqft
🌴 Grab your spot in this Old Florida fishing village! Start living the Florida River Life in Welaka, Putnam County — where golf carts rule, neighbors wave, and every day feels like vacation. This nearly new 2024, 4BR/2BA home offers 1,620 sq ft of modern comfort on a low-maintenance 0.
$219,900

610 14TH, Palatka, Florida 32177 MLS 2140591

610 14TH, Palatka, Florida 32177

3Bedroom(s)
1Bathroom(s)
49Picture(s)
1,310Sqft
*OPEN HOUSE this Saturday from 1pm-3pm* Come see this charming home located along a scenic & beautiful historical brick road. This 3-bedroom home offers a spacious layout with modern conveniences, including an indoor laundry room. The updated kitchen features granite countertops and newer wood cabinetry, while original wood floors preserve the home's character.
$219,000

145 MAGNOLIA, Satsuma, Florida 32189 MLS 2131414

145 MAGNOLIA, Satsuma, Florida 32189

2Bedroom(s)
2Bathroom(s)
20Picture(s)
960Sqft
Waterfront Retreat in Satsuma – Double Lot with Boat Slips & RV Hookup! Welcome to your slice of Old Florida charm! This well-maintained 1971 manufactured home offers 960 sq ft of comfortable living space featuring 2 bedrooms and 2 bathrooms, perfectly situated on a spacious .35-acre double lot.
$219,000

204 RABBIT TRACK, Satsuma, Florida 32189 MLS 2133171

204 RABBIT TRACK, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
51Picture(s)
1,248Sqft
Experience relaxed Florida living on .7 acres of open space in this beautifully remodeled 3-bedroom, 2-bath home designed with attention to detail throughout. The interior features new flooring, professionally painted throughout with warm inviting natural colors, updated lighting, ceiling fans, and a cozy fireplace that adds warmth and character.
$219,000
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.