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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413 ELM, Welaka, Florida 32193 MLS 2112587

413 ELM, Welaka, Florida 32193

62Picture(s)
2,100Sqft
Seller is retiring & ready to sell her wonderful family owned home cooking restaurant along with the real estate including the building & land. Easy to show! Turnkey Restaurant Opportunity in Prime Location! Commercial Building with C2 Zoning in Welaka Florida. Unlock the potential of this beautifully maintained commercial building, ideally situated in Welaka.
$399,000

239 LYNNE, Palatka, Florida 32177 MLS 2139258

239 LYNNE, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
93Picture(s)
1,288Sqft
Welcome to peaceful country living in Putnam County! This immaculately kept and completely remodeled 3 bedroom, 2 bath home sits on 2.27 acres and features a functional layout with a private primary suite and private bath.
$397,900

135 ASHLEY LAKE, Melrose, Florida 32666 MLS 2125184

135 ASHLEY LAKE, Melrose, Florida 32666

3Bedroom(s)
2Bathroom(s)
50Picture(s)
2,220Sqft
Lakefront living with active income cash flow! This well-maintained home sits on a landscaped 1.19-acre high and dry lot in a quiet neighborhood just minutes from downtown historic Melrose. 3 beds, 3 full baths (main residence is 2 beds / 2 full baths), an open flow, tons of storage, and a fully screened patio w/ hot tub.
$395,000

135 ASHLEY LAKE, Melrose, Florida 32666 MLS 2125185

135 ASHLEY LAKE, Melrose, Florida 32666

3Bedroom(s)
3Bathroom(s)
50Picture(s)
2,220Sqft
Lakefront living with active income cash flow! This well-maintained home sits on a landscaped 1.19-acre high and dry lot in a quiet neighborhood just minutes from downtown historic Melrose. 3 beds, 3 full baths (main residence is 2 beds and 2 full baths), an open flow, tons of storage, and a fully screened patio w/ hot tub.
$395,000

125 RIVER BEND, Welaka, Florida 32193 MLS 2102993

125 RIVER BEND, Welaka, Florida 32193

2Bedroom(s)
2Bathroom(s)
53Picture(s)
1,184Sqft
Located directly on the magnificent St. Johns River, this lovely first floor move-in ready 2BR/2BA condo unit offers a refreshing and relaxing view from the spacious screened porch of some awesome sunsets in addition to all the fishing and water activities you could ever dream of. The home comes completely and tastefully furnished, right down to the dishes.
$394,900

118 CAMELOT, Palatka, Florida 32177 MLS 2129469

118 CAMELOT, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
29Picture(s)
1,800Sqft
At the end of a CUL-DE-SAC on a private ½-ACRE, is a well-cared-for 3-bed, 2-bath home with privacy, flexible living & rare utility features. Mature landscaping surrounds with NO VISIBLE NEIGHBORS. Inside are spacious rooms, TILE FLOORING, crown molding & integrated lighting. The primary suite features a LARGE WALK-IN CLOSET, double vanity & soaker tub with separate shower.
$390,000

321 PARADISE, Satsuma, Florida 32189 MLS 2124016

321 PARADISE, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
70Picture(s)
1,616Sqft
HUGE PRICE IMPROVEMENT! SELLERS ARE MOTIVATED!! Beautiful 1989 two-story, 3-bedroom, 2-bathroom home offering 160 feet of canal frontage on Dunns Creek, ready to become your peaceful Florida retreat. The primary bedroom and bathroom are conveniently located on the main level, with two additional bedrooms and a full bath upstairs-ideal for privacy and functionality.
$389,900

120 ASHLEY LAKE, Melrose, Florida 32666 MLS 2119736

120 ASHLEY LAKE, Melrose, Florida 32666

2Bedroom(s)
2Bathroom(s)
67Picture(s)
1,727Sqft
A rare find meticulously maintained home on an acre of land nestled in a quiet serene community!! This immaculate 2-bedroom, 2-bathroom charmer is completely move-in ready! As you step inside, you'll be captivated by this open concept floor plan that brings the living room, dining room, kitchen and family together for easy everyday living.
$387,000

99 BROAD RIVER, Welaka, Florida 32193 MLS 2139496

99 BROAD RIVER, Welaka, Florida 32193

3Bedroom(s)
2Bathroom(s)
49Picture(s)
1,568Sqft
Welcome to Sportsman Lodge, a peaceful golf cart-friendly community along the scenic St. Johns River in Welaka, Florida–an area proudly known as the ''Bass Capital of the World.'' Surrounded by natural beauty and just moments from the Ocala National Forest, this charming single-story condo offers 3 bedrooms, 2 bathrooms, and a comfortable layout built in 2007.
$385,000

251 SWAN LAKE, Melrose, Florida 32666 MLS 2135666

251 SWAN LAKE, Melrose, Florida 32666

3Bedroom(s)
2Bathroom(s)
26Picture(s)
2,000Sqft
Don't miss your chance to own your dream home on a waterfront 1-acre lot! This stunning new construction home features 3 bedrooms, 2 bathrooms, a dedicated office, a formal dining room, and a 2-car garage, all thoughtfully designed for modern comfort and functionality.
$385,000

205 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112241

205 PENIEL CHURCH, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
1Picture(s)
1,545Sqft
Welcome to Beverly's Crossing in beautiful Palatka, FL — where your dream home doesn't come from a catalog, but straight from your imagination. This is a rare opportunity to build a fully custom, new-construction home with no predetermined layout or cookie-cutter floor plan.
$385,000

213 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112240

213 PENIEL CHURCH, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
1Picture(s)
1,545Sqft
Welcome to Beverly's Crossing in beautiful Palatka, FL — where your dream home doesn't come from a catalog, but straight from your imagination. This is a rare opportunity to build a fully custom, new-construction home with no predetermined layout or cookie-cutter floor plan.
$385,000
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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

🔑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.