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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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102 NORTHEAST, Georgetown, Florida 32139 MLS 2047737

102 NORTHEAST, Georgetown, Florida 32139

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Nice corner lot with .3 acres of buildable land! Lot has been cleared and partially fenced and is ready for your dream home. The community of Georgetown Cove allows custom homes so bring your builder! Mobile homes are welcome too. Don't miss your chance to own a piece of paradise in natural Florida. Community boat ramp, new boat dock and well maintained picnic area for owners.
$21,900

190 MONROE, Interlachen, Florida 32148 MLS 2101615

190 MONROE, Interlachen, Florida 32148

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Discover the potential of this .42-acre unimproved lot in Interlachen, FL. Nestled in a peaceful, rural setting, this property offers a great opportunity to build your future home or place a mobile home. Enjoy the quiet surroundings while still being just a short drive from local shops, schools, and outdoor recreation. No HOA or impact fees.
$21,000

115 TYRE, Palatka, Florida 32177 MLS 2141003

115 TYRE, Palatka, Florida 32177

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Here's a more upbeat, inviting version that still feels natural and not overdone: Opportunity and location come together on this over half-acre parcel on Tyre Road, just off FL-20. Mostly cleared and ready for your ideas to take shape, with power available at the road to help you get started with ease.
$20,000

519 5TH, Satsuma, Florida 32189 MLS 2136892

519 5TH, Satsuma, Florida 32189

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Build your dream home or the perfect fishing retreat on this beautifully cleared 1.03 acre lot, ready for your vision. A culvert is already in place for easy access, and mature trees surrounding the property provide natural privacy and a peaceful setting.
$20,000

104 KERRY, Satsuma, Florida 32189 MLS 2136494

104 KERRY, Satsuma, Florida 32189

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Vacant lot over half an acre, zoned R-2 to build or put a mobile home. There is a boat launch in the back of the neighborhood for Dunn's Creek access. Buyer to do due diligence, only a survey can determine exact property lines.
$20,000

110 LINCOLN, Satsuma, Florida 32189 MLS 2134711

110 LINCOLN, Satsuma, Florida 32189

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Discover the perfect opportunity on this recently cleared half-acre lot in Satsuma, Florida. This property is ready for your vision, featuring an existing well, septic, concrete platform, and driveway. Property includes fractional interest in BLK 64, LOT 13. Zoned R-2 (Residential- Two Family).
$20,000

229 MARIE, Georgetown, Florida 32139 MLS 2128337

229 MARIE, Georgetown, Florida 32139

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Two lots total 0.46 acre. Wooded property with deeded access to Lake George via Georgetown Cove Property Owners Association. Access provides a boat launch, dock, pavilion, fire pit and temporary RV hook-ups. Lake George provides direct access to the St. Johns River. Owner has 2 adjoining properties and will sell all 3 together for a reduced price.
$20,000

225 MARIE, Georgetown, Florida 32139 MLS 2128338

225 MARIE, Georgetown, Florida 32139

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Two lots total 0.46 acre. Wooded property with deeded access to Lake George via Georgetown Cove Property Owners Association. Access provides a boat launch, dock, pavilion, fire pit and temporary RV hook-ups. Lake George provides direct access to the St. Johns River. Owner has 2 adjoining properties and will sell all 3 together for a reduced price.
$20,000

0 17TH, Palatka, Florida 32177 MLS 2127146

0 17TH, Palatka, Florida 32177

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Bring your plans to life on this 0.17-acre vacant lot in the Sears Subdivision of Palatka, FL. Situated inside city limits and zoned R-3, this property offers flexibility for multifamily construction or a site-built residence. Whether you're building now or investing for the future, this lot offers strong potential.
$20,000

610 17TH, Palatka, Florida 32177 MLS 2127145

610 17TH, Palatka, Florida 32177

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Bring your plans to life on this 0.17-acre vacant lot in the Sears Subdivision of Palatka, FL. Situated inside city limits and zoned R-3, this property offers flexibility for multifamily construction or a site-built residence. Whether you're building now or investing for the future, this lot offers strong potential.
$20,000

131 DESOTO, Florahome, Florida 32140 MLS 2117569

131 DESOTO, Florahome, Florida 32140

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George's Lake Community – lake access!! Located in a homes only subdivision, this property includes Five lots, each approximately 0.22 acres , for a total of 1.1 acres. Build a home on each lot or combine them for one spacious homesite. Enjoy peaceful living in a desirable lake-access community.
$20,000

0000 UNASSIGNED, Interlachen, Florida 32148 MLS 2112979

0000 UNASSIGNED, Interlachen, Florida 32148

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$20,000
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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. 

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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.