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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00 18TH (NEAREST ACCESS POINT), Palatka, Florida 32177 MLS 2039290

00 18TH (NEAREST ACCESS POINT), Palatka, Florida 32177

10Picture(s)
0Sqft
Unique property adjoins the railroad and St. John's water management property. Survey attached under documents tab. Heavily wooded acreage with approximately 3 acres of Heavy Industrial zoning, remainder of property is under conservation easement.
$159,900

1011 ELM, Welaka, Florida 32193 MLS 2017440

1011 ELM, Welaka, Florida 32193

16Picture(s)
2,008Sqft
Commercial Opportunity in Welaka – Invest in Growth! Position your business at the heart of Welaka's exciting transformation. This versatile block building on over half an acre offers prime visibility on County Rd 308B–a key connector between Pomona Park and Welaka–and sits just blocks from County Rd 309, the main artery along the St. Johns River.
$159,000

412 COUNTY ROAD 21, Hawthorne, Florida 32640 MLS 2134217

412 COUNTY ROAD 21, Hawthorne, Florida 32640

3Bedroom(s)
1Bathroom(s)
74Picture(s)
980Sqft
Step back in time with this charming Camp Blanding home, where character and history greet you at the door. Original hardwood floors stretch throughout the living spaces, complemented by oversized wood baseboards that showcase the craftsmanship of a bygone era.
$157,600

116 JAMES, Interlachen, Florida 32148 MLS 2139031

116 JAMES, Interlachen, Florida 32148

3Bedroom(s)
1Bathroom(s)
23Picture(s)
1,308Sqft
Opportunity awaits on a private, peaceful homesite! This 3BR home sits on 1.68 acres at the end of the road, offering added privacy and a small pond at the corner of the property. The home includes 1,308 sq ft of living space, plus a deck and porch for relaxing outdoors. Additional features include a carport and partial fencing.
$157,000

118 JULY, Georgetown, Florida 32139 MLS 2115273

118 JULY, Georgetown, Florida 32139

3Bedroom(s)
2Bathroom(s)
21Picture(s)
1,216Sqft
If you're a homebuyer, an investor or just looking for that great deal, make sure to see this beautifully located Georgetown home that's just around the corner to Lake George. This High & Dry well-kept 3/2 furnished mobile home is but a short walk to the community's private park on Lake George.
$156,500

210 CAMELLIA, Satsuma, Florida 32189 MLS 2105747

210 CAMELLIA, Satsuma, Florida 32189

2Bedroom(s)
2Bathroom(s)
59Picture(s)
1,002Sqft
Cute canal front waiting on new owners. Located in Hermits Cove, this adorable, furnished 2 bedroom, 2 bath single-wide with additions lends itself to more of a cottage feel. Sitting on a canal leading straight to the St. Johns River, it is ready for you to enjoy! A screened porch let's you enjoy year round outdoor living. The upper deck is a great place for friends and a BBQ.
$156,500

109 GREENWOOD, Florahome, Florida 32140 MLS 2138475

109 GREENWOOD, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
10Picture(s)
1,440Sqft
If you are looking for a winter escape in a beautiful country setting in the heart of Florida you have found it. This home comes fully furnished and ready to move in. It is open and spacious. The 3 bedroom 2 bath mobile home has a split floor plan allowing for plenty of privacy. Off the dining room is a covered screen porch that allows you to enjoy a quiet morning cup of coffee.
$155,000

118 3RD, Palatka, Florida 32177 MLS 2124782

118 3RD, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
27Picture(s)
1,342Sqft
Peaceful Country Living 2 Bed 2 Bath Manufactured Home Covered Front Porch to set with coffee and watch the abundance of wild life. New Roof And Well insulated and well maintained home just waiting for you.
$155,000

850 STATE ROAD 21, Melrose, Florida 32666 MLS 2000560

850 STATE ROAD 21, Melrose, Florida 32666

6Picture(s)
0Sqft
Melrose commercial opportunity- Located one block from the junction of SR 21 & SR 26 in the heart of Melrose is the perfect site to start your new retail or service business. With 100 feet of SR 21 frontage, this 0.31 acre site offers great exposure with a traffic count of over 9,500 cares daily. Zoned C-2 commercial the site offers city water, and is flat and ready to build.
$155,000

850 STATE ROAD 21, Melrose, Florida 32666 MLS 2000229

850 STATE ROAD 21, Melrose, Florida 32666

6Picture(s)
0Sqft
Melrose commercial opportunity- Located one block from the junction of SR 21 & SR 26 in the heart of Melrose is the perfect site to start your new retail or service business. With 100 feet of SR 21 frontage, this 0.31 acre site offers great exposure with a traffic count of over 9,500 cares daily. Zoned C-2 commercial the site offers city water, and is flat and ready to build.
$155,000

102 WATERWAY, Palatka, Florida 32187 MLS 2141802

102 WATERWAY, Palatka, Florida 32187

2Bedroom(s)
2Bathroom(s)
16Picture(s)
840Sqft
Discover the ultimate waterfront retreat in Satsuma! This updated 2-bedroom, 2-bath canal-front home is offered fully furnished and move-in ready, perfect for a full-time residence or a weekend getaway. Enjoy the freedom of no HOA fees or restrictions on this gorgeous canal front lot featuring a mature orange tree and a private dock that is only a few years old.
$150,000

152 ALLIGATOR, Crescent City, Florida 32112 MLS 2123686

152 ALLIGATOR, Crescent City, Florida 32112

2Bedroom(s)
2Bathroom(s)
30Picture(s)
1,470Sqft
PRICE IMPROVEMENT AND $3000.00 CREDIT TOWARDS BUYERS CLOSING COST AND PREPAIDS WITH ACCEPTED OFFER. **Back on the market! This home was previously under contract but is now available again due to circumstances unrelated to the property.
$149,900
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

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

Putnam County Fl Waterfront Homes for Sale

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