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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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141 PARIS, Interlachen, Florida 32148 MLS 2129570

141 PARIS, Interlachen, Florida 32148

3Bedroom(s)
2Bathroom(s)
40Picture(s)
1,060Sqft
''Paris on the pond'' is a charming Country Home on Small Pond with 2 Extra Lots and Modern Upgrades! Enjoy the back porch overlooking the large private yard. Discover peaceful country living just minutes from the convenience of both Palatka and Gainesville! This beautifully updated 3-bedroom, 2-bath single-family home offers an easy commute to town amenities, schools, and shopping.
$219,000

107 TYRE, Hollister, Florida 32147 MLS 2125873

107 TYRE, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
20Picture(s)
1,820Sqft
4BR on 1.5 Acres • No HOA • Move-In Ready • Bring Your Toys! Motivated seller–priced to move! Enjoy space, privacy, and freedom with this 4-bedroom, 2-bath home on 1.5 acres just minutes from town. No HOA means you can bring your boats, RVs, work trucks, and more.
$219,000

100 WATERWAY, Satsuma, Florida 32189 MLS 2119986

100 WATERWAY, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
23Picture(s)
1,352Sqft
Affordable Canal-Front Living Near Dunns Creek-Discover the perfect blend of comfort and convenience in this cozy 3-bedroom, 2-bath doublewide home with direct canal access to Dunns Creek, Lake Crescent, the St. Johns River, and beyond. Bring your boat and fishing gear–this property includes a dock (needs TLC) and covered boathouse with lift, making it easy to enjoy days on the water.
$217,800

117 ELIAM, Melrose, Florida 32666 MLS 2131149

117 ELIAM, Melrose, Florida 32666

2Bedroom(s)
1Bathroom(s)
11Picture(s)
984Sqft
Move-in ready 2-bedroom, 1-bath home in the peaceful Melrose Springs community, just minutes from historic downtown Melrose and Lake Santa Fe. This well-maintained home features a recently remodeled kitchen with updated finishes and a breakfast bar that opens to a spacious living and dining area. Major updates include a newer roof, HVAC system, and energy-efficient on-demand water heater.
$214,900

139 DEPOT, Hawthorne, Florida 32640 MLS 2033097

139 DEPOT, Hawthorne, Florida 32640

3Bedroom(s)
1Bathroom(s)
26Picture(s)
1,200Sqft
Welcome home to this beautifully remodeled cottage on Little McMeekin Lake! This home is currently being used as an Airbnb, making it a wonderful opportunity for either investors or owner occupants. Enjoy the natural, peaceful surroundings while experiencing a vast array of wildlife right in your own backyard.
$214,900

112 HIGHLAND, Hawthorne, Florida 32640 MLS 2130736

112 HIGHLAND, Hawthorne, Florida 32640

3Bedroom(s)
2Bathroom(s)
41Picture(s)
1,264Sqft
Welcome to The Woodland Retreat – A Brand New 2026 Manufactured Home. Discover the perfect blend of modern comfort and peaceful country living at 112 Highland Dr.. in Hawthorne, Florida. This contemporary 2026 manufactured home offers 3 bedrooms, 2 baths and 1,265 square feet of well-designed living space situated on a 0.23-acre lot.
$209,000

121 KENNY, Florahome, Florida 32140 MLS 2102577

121 KENNY, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
36Picture(s)
1,512Sqft
Like new 3/2 model home has barely been lived in! Ready for new owners and nestled on a lot near Georges Lake and Etoniah State Forest. Well and septic were installed when site was set up for the new home. LVP throughout, walk in closets, large laundry and open kitchen, dining and living plan. Easy commute to Palatka, Gainesville, Ocala, St Augustine and Jacksonville.
$205,000

600 WAKULLA, Florahome, Florida 32140 MLS 2074703

600 WAKULLA, Florahome, Florida 32140

2Bedroom(s)
1Bathroom(s)
47Picture(s)
1,008Sqft
North Central Florida is fast becoming the place where those seeking a different way of life in Rural America are finding. This affordable home can get you here and settled before the rest of the country finds us. This 2/2 block home has a huge 21 x 22 garage and other buildings with all new roofs. The property is High and Dry and is fully fenced.
$204,900

109 BAYOU, Satsuma, Florida 32189 MLS 2138935

109 BAYOU, Satsuma, Florida 32189

2Bedroom(s)
2Bathroom(s)
58Picture(s)
1,040Sqft
Huge Price Adjustment! Welcome to this wonderful adult community nestled along scenic Murphy's Creek, where friendly neighbors and a relaxed, golf cart friendly lifestyle come together beautifully. Murphy's Creek leads directly into the St. Johns River and offers some of the most beautiful sunsets around.
$200,000

221 MALTAS, Interlachen, Florida 32148 MLS 2087331

221 MALTAS, Interlachen, Florida 32148

3Bedroom(s)
2Bathroom(s)
24Picture(s)
1,264Sqft
BACK ACTIVE AT NO FAULT TO THE SELLER. Moviated Seller!!! Welcome to 221 Maltas Ave in Interlachen, FL — where charm, value, and comfort come together in a perfectly priced package! This brand new 3-bedroom, 2-bathroom home sits on .43 of an acre, giving you just the right amount of space to spread out without feeling overwhelmed by maintenance.
$199,999

228 BROWNS HAMMOCK, Crescent City, Florida 32112 MLS 2138168

228 BROWNS HAMMOCK, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
17Picture(s)
1,064Sqft
Tucked away in the peaceful countryside of Crescent City, Fully fenced with a gate. This beautifully reimagined home at 228 Brown Hammock offers the kind of quiet, private living that's getting harder to find. Completely remodeled from the studs up, this home has been thoughtfully rebuilt with comfort & durability in mind.
$199,999

3308 ROSS, Palatka, Florida 32177 MLS 2105931

3308 ROSS, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
34Picture(s)
960Sqft
You will enjoy relaxing with your coffee from the privacy of this lovely, screened porch while enjoying your totally updated and worry-free home. Beautiful bamboo flooring throughout. Solid wood cabinets with marble countertops. It needs nothing but a new owner to appreciate all that it offers. Nice large back yard with two site built sheds for extra storage or fun flex space.
$199,999
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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

Call Mike Now

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

Putnam County Fl Waterfront Homes for Sale
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I have experience that other agents simply do not have. 

Picture of Mike Schwiebert

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.