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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128 SANTA ROSA, Florahome, Florida 32140 MLS 2141407

128 SANTA ROSA, Florahome, Florida 32140

4Bedroom(s)
2Bathroom(s)
57Picture(s)
1,896Sqft
Welcome to 128 Santa Rosa–where comfort, privacy, and true Florida living come together. Nestled along a peaceful canal with direct access to George's Lake, this property offers a rare sense of seclusion with minimal through traffic. Enjoy peace of mind with a brand-new bulkhead and a massive Generac system already in place.
$445,000

521 LAKE, Crescent City, Florida 32112 MLS 2126250

521 LAKE, Crescent City, Florida 32112

4Bedroom(s)
3Bathroom(s)
46Picture(s)
2,464Sqft
FURNISHED POOL HOME W/ A LAKE VIEW?! If the water is calling your name, this is the best of both worlds! Captivating CRESCENT LAKE views on the horizon & a SALT POOL (fenced), privately situated in the back.
$444,999

292 MAXWELL, Satsuma, Florida 32189 MLS 2138755

292 MAXWELL, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
75Picture(s)
2,108Sqft
Welcome to 292 Maxwell Drive, a meticulously maintained 3-bedroom, 2-bathroom Jacobsen-built home nestled on a protected cove just steps from the legendary St. Johns River. Perched on a high bluff — one of the few in the neighborhood that has never experienced water intrusion — this property delivers the waterfront lifestyle without the flood insurance burden.
$440,500

128 JILL, Satsuma, Florida 32189 MLS 2133359

128 JILL, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
33Picture(s)
1,920Sqft
Stunning waterfront retreat offering the perfect blend of modern upgrades and coastal living. This beautifully remodeled home features luxury vinyl flooring throughout, a stylish kitchen with rebuilt cabinetry and granite countertops, and renovated bathrooms with updated cabinetry, countertops, and elegant tiled showers.
$440,000

209 BEACH, Florahome, Florida 32140 MLS 2137056

209 BEACH, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
48Picture(s)
1,904Sqft
Welcome to lake life done right on a crystal-clear spring-fed lake! Georges Lake! This beautifully maintained 3-bedroom, 2.5-bath home is built for making memories — whether you're hosting a weekend crowd or settling in for full-time waterfront living. With a BRAND NEW ROOF, you'll enjoy peace of mind along with breathtaking views.
$440,000

424 EMMETT, Palatka, Florida 32177 MLS 2125908

424 EMMETT, Palatka, Florida 32177

5Bedroom(s)
3Bathroom(s)
43Picture(s)
4,113Sqft
Showing Disclaimer: Enter property at your own risk. The interior requires extensive renovation and may contain uneven flooring, debris, and other hazards. Exercise extreme caution while on premises. Seller and listing brokerage assume no responsibility for injury or damage during showings.
$440,000

114 MAGNOLIA, East Palatka, Florida 32131 MLS 2141132

114 MAGNOLIA, East Palatka, Florida 32131

3Bedroom(s)
2Bathroom(s)
46Picture(s)
1,393Sqft
Waterfront living at its finest! This beautifully updated 3 bedroom, 2 bath home is perfectly situated on a wide, serene canal just off the St. Johns River in Palm Port–offering direct access to some of the area's best fishing and boating. Enjoy your private waterfront oasis featuring a bulkhead, a well-maintained dock, boathouse, and boat lift–ready for all your water adventures.
$439,900

289 CHESSER, Hollister, Florida 32147 MLS 2140338

289 CHESSER, Hollister, Florida 32147

3Bedroom(s)
1Bathroom(s)
63Picture(s)
2,277Sqft
Set on 3.5 fully fenced acres, this well-maintained brick home offers space, versatility, and classic Florida charm. Featuring 3 bedrooms, 1 full bath, and 2 half baths, the home includes beautiful hardwood floors and an open floor plan ideal for everyday living and entertaining. The master bathroom features a relaxing jetted tub and separate shower.
$439,000

106 CARTER-WHITTAKER, Pomona Park, Florida 32181 MLS 2089366

106 CARTER-WHITTAKER, Pomona Park, Florida 32181

2Bedroom(s)
2Bathroom(s)
36Picture(s)
1,722Sqft
Who would have known? A beautiful lakefront home on pristine Lake Como for well under $500K! Your lakefront retreat is available. Diversify your stock market funds and secure your dream home. Yes, move-in-ready condition. It's time to enjoy what you have worked so hard for.
$435,000

113 LAKE COMO POINT, Pomona Park, Florida 32181 MLS 2111460

113 LAKE COMO POINT, Pomona Park, Florida 32181

3Bedroom(s)
2Bathroom(s)
38Picture(s)
2,332Sqft
Very Nice 3 Bed 2 Ba Brick House on Lake Como. Has an almost new Metal Roof , CH/A Unit. New Septic Tank , Jacuzzi , Generac Whole House Generator , Screen Porch , Fireplace , Dock & Boat slip . 2 Car Garage & More. Great spot on Lake Como a Clear Water lake that is a Good Recreational Lake for Skiing , Fishing , Swimming & more. Beautiful Sunsets & Sunrises.
$429,500

293 MAXWELL, Welaka, Florida 32193 MLS 2138809

293 MAXWELL, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
70Picture(s)
1,920Sqft
Introducing 293 Maxwell Drive, a stunning 2023 Jacobsen-built home that sets a new standard for waterfront living in Welaka. Positioned on a high bluff overlooking a serene protected cove just moments from the St. Johns River, this property has never experienced flooding and requires no flood insurance — a rare and valuable distinction in this community.
$429,000

177 CENTRAL, San Mateo, Florida 32187 MLS 2142137

177 CENTRAL, San Mateo, Florida 32187

3Bedroom(s)
2Bathroom(s)
27Picture(s)
3,239Sqft
Great Opportunity!!Pool home on almost an acre of land.
$425,000
1047 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.