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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219 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112238

219 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

221 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112237

221 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

247 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112236

247 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

251 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112235

251 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

257 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112234

257 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

259 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112233

259 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

263 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112232

263 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

267 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112231

267 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

277 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112227

277 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

283 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112225

283 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

287 PENIEL CHURCH, Palatka, Florida 32177 MLS 2112220

287 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

185 RIVER, East Palatka, Florida 32131 MLS 2141975

185 RIVER, East Palatka, Florida 32131

2Bedroom(s)
3Bathroom(s)
57Picture(s)
1,498Sqft
Timeless Elegance Meets Modern Peace of Mind Step back in time without sacrificing comfort in this enchanting circa 1900 estate. Nestled on a sprawling 1.3-acre lot, this property offers the rare combination of storied ''Old Florida'' charm and the reliability of a modern home.
$379,900
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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.