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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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0 PILCHARD, Florahome, Florida 32140 MLS 2101872

0 PILCHARD, Florahome, Florida 32140

5Picture(s)
0Sqft
Come build your dream home on this 1.04-acre lot, zoned R-2 (Residential Two-Family), offering the flexibility for a single-family or duplex residence. Enjoy peaceful country living surrounded by mature trees and local wildlife, including deer and wild turkeys.
$36,500

109 MILLION, East Palatka, Florida 32131 MLS 2138855

109 MILLION, East Palatka, Florida 32131

2Bedroom(s)
2Bathroom(s)
14Picture(s)
960Sqft
Located directly across the street from St. Johns River access, this 2-bedroom, 2-bathroom mobile home is a rare opportunity for the savvy cash investor. Built in 1973, the home needs extensive work — but the location and value are undeniable. What makes this deal stand out: – Steps from the St.
$35,000

0 HONEYSUCKLE, Hawthorne, Florida 32640 MLS 2137542

0 HONEYSUCKLE, Hawthorne, Florida 32640

1Picture(s)
0Sqft
Over 2.5 acres for sale in the Carver Estates subdivision! This property is completely high and dry with no flood zone! Enjoy the sandy soil and turkey oaks that encompass the property. Putnam county now allows mobile homes to be built in this subdivision (buyer to verify with county). Well and septic will be required. New homes have been popping up recently in this neighborhood.
$35,000

0 WEST LAKE DRIVE, Hawthorne, Florida 32640 MLS 2134890

0 WEST LAKE, Hawthorne, Florida 32640

14Picture(s)
0Sqft
A nice buildable lot in west Putnam County for sale. This lot is completely high and dry in a secluded subdivision off an improved dirt road. Lots of live oaks, turkey oaks, and sand pines. This buildable lot is less than a quarter mile from West Lake, a freshwater lake with great fishing. No owner financing available. This property does not have an address.
$35,000

101 NEW JERSEY, Satsuma, Florida 32189 MLS 2057269

101 NEW JERSEY, Satsuma, Florida 32189

20Picture(s)
0Sqft
Enjoy the peaceful serenity of the surrounding nature. This beautiful 2.56 acres features plenty of endless possibilities. Could be used for weekend getaway or to build your dream home. Perfect opportunity to start a new homestead and make your dream come true. Appreciate being off the grid, but also not far from the city for convenience.
$35,000

1024 ELM, Welaka, Florida 32193 MLS 2122231

1024 ELM, Welaka, Florida 32193

3Picture(s)
0Sqft
Prime location in Welaka! Commerical lot available in the quaint town of Welaka.
$35,000

00 COLONY, Hawthorne, Florida 32640 MLS 2120810

00 COLONY, Hawthorne, Florida 32640

10Picture(s)
0Sqft
Do not miss out on this beautiful , 1.2 acre , lightly wooded corner lot . Lots of potential with this one . Buyers are advised to verify building requirements with the Putnam County Zoning Department and consult the Putnam County Health Department regarding well and septic options .
$35,000

0 MARTHA, Interlachen, Florida 32148 MLS 2119017

0 MARTHA, Interlachen, Florida 32148

3Picture(s)
0Sqft
Discover .68 acres made up of two combined lots in Interlachen, FL. Perfect for your next build, investment, or resale opportunity. Zoned R-2 with a future land use designation of Rural Residential (RR), this property offers excellent flexibility whether you're planning a future homesite, creating a long-term hold, or dividing the land into two separate parcels.
$35,000

442 AKRON, Interlachen, Florida 32148 MLS 2109210

442 AKRON, Interlachen, Florida 32148

23Picture(s)
0Sqft
If you're looking for off-the-grid living, you have got to see this one. The property is completely fenced into three sections. The main compound has a 6' privacy fenced surrounding it. The other two sections are wire fenced for your fury friends and accessed from the main compound.
$35,000

215 RIFLE, Florahome, Florida 32140 MLS 2133694

215 RIFLE, Florahome, Florida 32140

13Picture(s)
0Sqft
Country Rural Living in the Florida Sunshine! 1.26 acres not in flood zone or wetlands and due size not subject to the BMAP restrictions for septic systems so more affordable to improve. 800 Acres George's Lake with public ramp is minutes away for waterfront recreation.
$34,900

0 JULIA, Palatka, Florida 32177 MLS 2118954

0 JULIA, Palatka, Florida 32177

4Picture(s)
0Sqft
Rare opportunity to own three adjoining lots within the city limits. Whether you're looking for one large homesite or two building sites for single family homes, this property provides the ideal setting for new construction in a convenient and established location. Each lot is 50 x 100 and zoning is R-1. Corner lot located near schools, restaurants and Ravines.
$34,900

141 WOODLAND LANE, Hawthorne, Florida 32640 MLS 2130939

141 Woodland, Hawthorne, Florida 32640

13Picture(s)
0Sqft
Welcome to the country and this beautiful 1.03-acre lot nestled in a peaceful rural setting! Close to several lakes! Enjoy beautiful trees and wide-open spaces, fresh air, and the perfect opportunity to build your dream home or getaway retreat. With power nearby, you'll have the convenience you need while still embracing the charm and tranquility of country living.
$34,500
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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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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.