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.

Sort by:
  • Price Descending
  • Newest
  • Bedrooms
  • Featured
Grid
List
Map

10 CENTRAL, Crescent City, Florida 32112 MLS 2107043

10 CENTRAL, Crescent City, Florida 32112

4Bedroom(s)
3Bathroom(s)
83Picture(s)
3,096Sqft
BELOW APPRAISED VALUE! Best of both worlds-res/com! Originally built as law offices, this unique 2-story red brick property offers incredible flexibility with 4 bd/3.5 baths.
$525,000

103 STEPHANIE, Palatka, Florida 32177 MLS 2088653

103 STEPHANIE, Palatka, Florida 32177

3Bedroom(s)
3Bathroom(s)
54Picture(s)
2,320Sqft
One of a kind! Custom-built, pool home is located within minutes of the hospital. It sits on .57 acres and features: 3 bedrooms 2 bathrooms, two-car garage ,engineered Bamboo flooring throughout with tile in the bathrooms, vaulted ceilings, Electrical fireplace, custom indoor plantation shutters, window reading nook, and upgrade master closet.
$524,900

163 BOOTS, Melrose, Florida 32666 MLS 2074617

163 BOOTS, Melrose, Florida 32666

3Bedroom(s)
2Bathroom(s)
84Picture(s)
1,664Sqft
Enjoy country living on this beautiful 5-acre lot backing up to a dairy pasture providing a tranquil private lifestyle. The spacious split floorplan brick home has an open concept with a screened porch on the front and back of the home. The kitchen features a large walk-in pantry, breakfast nook and formal dining room so plenty of room for entertaining your friends and family.
$520,000

202 SAINT JOHNS, Palatka, Florida 32177 MLS 2140027

202 SAINT JOHNS, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
33Picture(s)
1,953Sqft
Discover this stunning 3-bedroom, 2-bathroom riverfront home nestled on a sprawling 2.05-acre lot along the picturesque St. Johns River, offering an impressive 140' +/- of waterfront. While this waterfront gem is a dream come true, it requires some updates to fully realize its potential. This home is priced with renovation in mind.
$519,900

241 CRYSTAL COVE, Palatka, Florida 32177 MLS 2120298

241 CRYSTAL COVE, Palatka, Florida 32177

3Bedroom(s)
3Bathroom(s)
73Picture(s)
2,257Sqft
Beautifully located & designed, this 3 bed, 3 bath home with a bonus office and formal dining room offers peaceful riverfront living. No HOA/CDD and just steps from the public marina- perfect for year round water access.
$519,000

113 WILLIAM BARTRAM, Crescent City, Florida 32112 MLS 2035877

113 WILLIAM BARTRAM, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
57Picture(s)
2,337Sqft
MOTIVATED SELLER! WELL-BUILT BRICK HOME IN MT. ROYAL ESTATES This spacious 3BR/2BA home offers 2,337 SF of living space with a double car garage, located in a desirable gated community. Just a short walk to the community dock and boat ramp, you'll enjoy easy access to the St. Johns River, Silver Glen Springs, Salt Springs, and popular waterfront restaurants.
$515,000

MLS 2140067

134 BOWFIN, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
24Picture(s)
2,540Sqft
Waterfront Canal Home with Over 2,500 Sq Ft – Move-In Ready! Welcome to 134 Bowfin Drive, a spacious 4-bedroom, 3-bath home located in the desirable St. Johns Harbor community. Situated on a canal-front lot, this property offers direct water access and a peaceful setting perfect for enjoying Florida living.
$509,000

461 OLD STARKE, Palatka, Florida 32177 MLS 2141396

461 OLD STARKE, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
71Picture(s)
1,170Sqft
If you've been looking for space, privacy, and the kind of setting that's getting harder to find, this property delivers. Tucked away on 19.38 acres, this 2 bedroom, 2 bathroom home offers an open, comfortable layout with vaulted ceilings in the main living area and a natural flow into the updated kitchen–creating a space that works well for both everyday living and gathering.
$500,000

455 RIVER, Palatka, Florida 32177 MLS 2131192

455 RIVER, Palatka, Florida 32177

40Picture(s)
0Sqft
A place to slow down, spread out, and enjoy the rhythm of the river. This beautiful slice of Old Florida offers approximately 2.05 acres on the St. Johns River, just a short drive–about 10-15 minutes–from downtown Palatka and roughly 35-45 minutes to Green Cove Springs.
$500,000

164 MOONLITE, Welaka, Florida 32193 MLS 2098724

164 MOONLITE, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
55Picture(s)
1,968Sqft
Explore premier riverfront living on the St. Johns River with this beautifully updated 3-bedroom, 2-bath home in the highly sought-after Sportsman's Harbor community in Welaka, FL. This Welaka riverfront property offers 1,968 sq ft of comfortable living space and an impressive 118 feet of direct St. Johns River frontage—ideal for anyone seeking a waterfront home in Northeast Florida.
$499,900

295 MAXWELL, Satsuma, Florida 32189 MLS 2131701

295 MAXWELL, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
39Picture(s)
1,800Sqft
PRICE IMPROVEMENT!! Welcome to this beautiful 3-bedroom, 2.5-bathroom waterfront home! Nestled on a high, elevated bluff overlooking a wide canal that leads directly to the beautiful St. Johns River. This immaculate home has an open floor plan with great views of the water.
$499,900

137 & 135 RIVERSIDE, Satsuma, Florida 32189 MLS 2142010

137 & 135 RIVERSIDE, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
44Picture(s)
1,239Sqft
Stunning Waterfront Paradise 3/2 with garage 237 ft waterfront ,with concrete bulkhead,built in boat house /w lift & docking for large vessels,Included in sale is adjacent,seperate cleared and lanscaped lot.
$499,000
1026 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.