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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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802 LEMON, Crescent City, Florida 32112 MLS 2122867

802 LEMON, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
46Picture(s)
1,682Sqft
Wake up every day to breathtaking water views in this fully furnished 3-bedroom, 2.5-bath lakefront home located on beautiful spring fed Lake Stella. This turnkey property offers the perfect blend of peace and modern comfort—ideal as a primary residence, vacation getaway, or investment opportunity.
$575,000

108 SANDRA, Crescent City, Florida 32112 MLS 2136447

108 SANDRA, Crescent City, Florida 32112

2Bedroom(s)
2Bathroom(s)
54Picture(s)
1,350Sqft
Nestled along the shores of Crescent Lake, (15,900 acres) this stunning lakefront home combines a rare blend of comfort, elegance, and natural beauty. The impeccably maintained 2-bedroom, 2-bath home sits gracefully at the water's edge, where each sunrise paints the sky in breathtaking hues, best enjoyed from the spacious screened porch.
$574,999

117 3RD, Palatka, Florida 32177 MLS 2102953

117 3RD, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
58Picture(s)
2,356Sqft
This home offers the best of both worlds, historic character with tasteful modern updates. Many original features including a fireplace, beautiful solid wood front door, sunporch with views of the majestic St Johns River and an enclosed back porch that leads to the backyard that will be your own private oasis.
$565,000

121 HERJA ACRE, Palatka, Florida 32177 MLS 2121283

121 HERJA ACRE, Palatka, Florida 32177

4Bedroom(s)
3Bathroom(s)
91Picture(s)
3,841Sqft
Welcome to 121 Herja Acre Lane, a spacious and well-maintained home set on a full acre with over 3,000 sq ft of comfortable living space. Inside, you'll find a large kitchen with granite countertops and a breakfast bar, an electric fireplace, and generously sized bedrooms—including a fourth bedroom that can easily serve as a second primary suite.
$560,000

1886 STATE ROAD 20, Hawthorne, Florida 32640 MLS 2140494

1886 STATE ROAD 20, Hawthorne, Florida 32640

4Bedroom(s)
2Bathroom(s)
60Picture(s)
3,120Sqft
Experience peaceful country living just steps from Cowpen Lake. This solid concrete block residence is set on 2.4 private acres with no HOA restrictions, offering over 3,000 square feet of comfortable living space.
$559,999

129 GRASSY LANE, Palatka, Florida 32177 MLS 2134769

129 GRASSY, Palatka, Florida 32177

3Bedroom(s)
3Bathroom(s)
45Picture(s)
2,122Sqft
This unique 3 bedroom, 3 bathroom home sits on over an acre in one of the area's most desirable neighborhoods, offering space and privacy while still being right in the middle of town. A welcoming wraparound porch adds charm and a great place to relax.
$550,000

198 LAKE RAY, Hawthorne, Florida 32640 MLS 2126225

198 LAKE RAY, Hawthorne, Florida 32640

4Bedroom(s)
2Bathroom(s)
78Picture(s)
2,193Sqft
Experience ''Lake Life'' on stunning Cowpen Lake—a crystal-clear, 600+ acre, fully recreational paradise. Yes, no restrictions here. Bring your boats and jet skis. Whether it's your homestead or vacation home. (Airbnb Ready) This move-in-ready 4-bed, 2.5-bath, two-story home offers peaceful, quiet surroundings and friendly neighbors.
$550,000

149 STATE ROAD 20, Palatka, Florida 32177 MLS 2123018

149 STATE ROAD 20, Palatka, Florida 32177

29Picture(s)
0Sqft
Prime Commercial Opportunity: 4.7 Acres on SR-20 High Visibility | Fully Accessible | Development Ready Unlock the potential of this exceptional 4.7-acre commercial parcel situated on the bustling SR-20 corridor. Boasting over 500 feet of direct highway frontage, this property offers unparalleled exposure for your business in a high-growth area.
$549,900

149 STATE ROAD 20, Palatka, Florida 32177 MLS 2123041

149 STATE ROAD 20, Palatka, Florida 32177

29Picture(s)
0Sqft
Prime Commercial Opportunity: 4.7 Acres on SR-20 High Visibility | Fully Accessible | Development Ready Unlock the potential of this exceptional 4.7-acre commercial parcel situated on the bustling SR-20 corridor. Boasting over 500 feet of direct highway frontage, this property offers unparalleled exposure for your business in a high-growth area.
$549,900

139 LAKEWAY, Georgetown, Florida 32139 MLS 2107711

139 LAKEWAY, Georgetown, Florida 32139

59Picture(s)
0Sqft
Escape the noise and embrace the serene, tucked away down a long drive, these 38 acres could be your own personal sanctuary. A meandering creek carves a quiet path through the property, where towering pines stand as silent guardians. (Pines were planted in 2011 to produce future income).
$549,900

125 TWIN LAKE GROVE, Interlachen, Florida 32148 MLS 2138713

125 TWIN LAKE GROVE, Interlachen, Florida 32148

3Bedroom(s)
4Bathroom(s)
64Picture(s)
2,371Sqft
SPACIOUS WATERFRONT HOME located on the beautiful spring fed TWIN LAKES with 160' of waterfront. This inviting split-plan home with approximately 2,371 sq. ft. of conditioned space & fenced yard was built for the lake. Enjoy the lakeview from the open living space and all three bedrooms, each having their own bathroom.
$539,000

121 & 125 PANTHER, Palatka, Florida 32177 MLS 2130839

121 & 125 PANTHER, Palatka, Florida 32177

27Picture(s)
0Sqft
Rare opportunity on the St. Johns River! Just over 30 acres on the St. Johns River. The property includes wetlands, but there is enough space for three home sites per Putnam County. The home sites front Panther Trail. 121 Panther Trail, a 15.
$525,000
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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. 

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.