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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133 PIONEER, Palatka, Florida 32177 MLS 2112984

133 PIONEER, Palatka, Florida 32177

1Picture(s)
0Sqft
Build your dream home or weekend retreat on this beautiful vacant lot located on Pioneer Trail in scenic Palatka, Florida. This peaceful property sits just steps away from the river, offering tranquil water views and the perfect backdrop for enjoying the Florida outdoors.
$145,000

426 CARTERET, Georgetown, Florida 32139 MLS 2137544

426 CARTERET, Georgetown, Florida 32139

3Bedroom(s)
2Bathroom(s)
29Picture(s)
1,186Sqft
3 Bed 2 Ba Homes of Merit DWMH on 2 Lots .68 acres with St. Johns River & Lake George access . Also includes Fencing , Deck , Det. Storage Shed . Handicap Ramp , washer & Dryer , Refrigerator , stove , dishwasher , Roof has been replaced , new laminate flooring. Association Fee is $60 per lot paid annually .
$142,500

116 OAKLAND, San Mateo, Florida 32187 MLS 2141335

116 OAKLAND, San Mateo, Florida 32187

1Bedroom(s)
1Bathroom(s)
26Picture(s)
624Sqft
If you've been craving something easy, this might be it. This 1-bedroom, 1-bath home in San Mateo offers a laid-back, low-maintenance setup that fits a variety of needs–from a personal retreat to an income-producing opportunity. It's the kind of place that feels simple in the best way, with a comfortable layout and just enough space to make it your own.
$140,000

323 INCLINE, Satsuma, Florida 32189 MLS 2119544

323 INCLINE, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
12Picture(s)
1,620Sqft
Spacious doublewide on approximately half an acre in rural location. High and dry. Home has large rooms, kitchen island deck and large covered porch in back. Detached outbuildings for storage. Less than hour drive to the beach and plenty of access points for recreation on the St. Johns River nearby.
$140,000

103 WALKER, Palatka, Florida 32177 MLS 2121991

103 WALKER, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
38Picture(s)
924Sqft
Tucked away in a quiet, peaceful setting, this well-kept home gives you the best of both worlds — privacy with room to breathe, without feeling far from everything you need. Sitting on nearly 2.5 acres, there's plenty of space to spread out, unwind, and actually enjoy your surroundings.
$140,000

104 LUNKER LODGE, Georgetown, Florida 32139 MLS 2129114

104 LUNKER LODGE, Georgetown, Florida 32139

3Bedroom(s)
2Bathroom(s)
19Picture(s)
1,056Sqft
Motivated Seller!! Spacious 3-bedroom, 2 bath, double wide mobile home located in Georgetown. Open floor plan with large living area and split bedrooms for added privacy. Enjoy convenient access to local dining, boating, and outdoor recreation. No HOA! Washer and dryer do not convey. Well Pump installed around 3 years ago. Septic maintained with Putnam well drilling.
$140,000

1551 STATE ROAD 100, Melrose, Florida 32666 MLS 2088535

1551 STATE ROAD 100, Melrose, Florida 32666

11Picture(s)
0Sqft
PRICE IMPROVEMENT! MOTIVATED SELLER! Prime 2.97 Acre Residential Homesite on SR 100. Exceptional opportunity to build your dream estate on nearly 3 acres of premium, dry land directly on SR 100. This high-end residential parcel is cleared and ready for development, offering a rare blend of accessibility, privacy and flexibility.
$140,000

0 WALKER DRIVE, Interlachen, Florida 32148 MLS 2135999

0 WALKER DRIVE, Interlachen, Florida 32148

41Picture(s)
0Sqft
Discover your own 5.19-acre private homesite in Interlachen, offering the perfect blend of natural beauty, usability, and opportunity. Surrounded by mature oaks draped in Spanish moss, this property provides a peaceful Old Florida setting with open, buildable areas ready for your vision.
$138,000

155 RABBIT TRACK, Satsuma, Florida 32189 MLS 2141453

155 RABBIT TRACK, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
22Picture(s)
1,000Sqft
PRICE IMPROVEMENT!! Charming fully remodled 1984 mobile home on a fenced quarter acre in the peacful town of Satsuma. The move in ready home featurs all new plumbing, electrical, roof, well, septic and insulation for peace of mind.
$135,900

808 COUNTY ROAD 20A, Hawthorne, Florida 32640 MLS 2137565

808 COUNTY ROAD 20A, Hawthorne, Florida 32640

2Bedroom(s)
1Bathroom(s)
28Picture(s)
912Sqft
Charming home set on an expansive lot in Hawthorne, FL! Bursting with opportunity, this inviting home is ready for your personal touch and creative vision. Enjoy relaxing evenings on the large covered back porch, perfect for soaking in the peaceful, natural surroundings.
$135,000

231 LAKEVIEW, Interlachen, Florida 32148 MLS 2134923

231 LAKEVIEW, Interlachen, Florida 32148

3Bedroom(s)
2Bathroom(s)
41Picture(s)
1,008Sqft
Feels like home the moment you arrive! This beautifully remodeled home is move-in ready and full of upgrades. Enjoy relaxing on the large front wood deck patio, the perfect place for morning coffee or evening gatherings. Inside, you'll find a brand-new kitchen featuring stainless steel appliances, white cabinetry, stunning countertops, and a charming farmhouse sink.
$133,000

121 CHURCH LAKE, Interlachen, Florida 32148 MLS 2142336

121 CHURCH LAKE, Interlachen, Florida 32148

2Bedroom(s)
2Bathroom(s)
26Picture(s)
847Sqft
Lakefront property on Church Lake featuring approximately 77 feet of lake frontage . The property includes a 1985 Crescent Limited mobile home offering 847 square feet of living space with two bedrooms , two bathrooms and a wood burning fireplace . Also included is a large storage shed that could be used as a garage .
$130,000
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

I have experience that other agents simply do not have.