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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112 SILVER BEACH, Pomona Park, Florida 32181 MLS 2140312

112 SILVER BEACH, Pomona Park, Florida 32181

3Bedroom(s)
2Bathroom(s)
60Picture(s)
1,680Sqft
Bring the RV, boat, animals, and all the toys to your PRIVATE 4-ACRE retreat on HIGH AND DRY land. This property features a 34.5' x 28' x 12' THREE-BAY CARPORT with ATTACHED WORKSHOP/GARAGE, TWO SHEDS, and a 30 AMP RV HOOKUP. Approximately 2 ACRES are FENCED, with 1.98 ACRES WOODED and UNFENCED for added flexibility. GATED entry and 360° EXTERIOR SECURITY CAMERAS provide privacy and security.
$339,900

115 WALT, Satsuma, Florida 32189 MLS 2117755

115 WALT, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
84Picture(s)
1,800Sqft
Welcome Home To Boaters Paradise! This spacious 3/2 with Fabulous views. Screened in lanai overlooking a deep water canal leading to Dunns Creek and the Saints John's River. This property offers a boat house with a 10,000 pound boat lift, floating dock ,fish cleaning station and storage room/shed. Artesian well with a new 2025 water pump. New 2025 water heater and pressure tank.
$339,000

165 FULTON, Palatka, Florida 32177 MLS 2123084

165 FULTON, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
26Picture(s)
1,596Sqft
This home sits on 1.7 acre lot and was renovated with a focus on long-term livability, systems, and structure, not surface-level cosmetics. With 1,596 square feet of thoughtfully updated living space, this home has the feel of new construction paired with the freedom and privacy of rural land ownership.
$335,000

118 ROBIN, Pomona Park, Florida 32181 MLS 2138784

118 ROBIN, Pomona Park, Florida 32181

3Bedroom(s)
2Bathroom(s)
52Picture(s)
1,848Sqft
Triple Wide Mobile Home on 3.08 Acres with attached 2 Car Garage, Screen Porch, covered front & Back Decks,, Craft Shop, Covered Wet Bar & Grilling area & Det. 2 Car Carport and 1 Bed 1 Ba Apartment, Also has a Fireplace , Kitchen Island , Washer & Dryer , Freezer , CH/A , Bamboo Flooring & Fencing. Also has a new Well and a Det. Wood and Metal Workshop .
$329,900

309 RIVER, East Palatka, Florida 32131 MLS 2135351

309 RIVER, East Palatka, Florida 32131

3Bedroom(s)
2Bathroom(s)
63Picture(s)
2,007Sqft
Charming 3-bedroom, 2-bath home on just under 2 acres in East Palatka in a quiet area near the river across from farm land and just outside of town. Enjoy a spacious backyard perfect for outdoor living, while being just minutes from public boat ramp, the communities favorite local restaurants, and the new pickleball courts and park. Property also features a workshop.
$329,000

218 PORTLAND, Hawthorne, Florida 32640 MLS 2111596

218 PORTLAND, Hawthorne, Florida 32640

3Bedroom(s)
2Bathroom(s)
66Picture(s)
0Sqft
Pre-Construction. To be built. The Willow model starting at $329,000 with Various financing options available to include: Conventional, VA, FHA, and 100% USDA financing making it accessible to a wide range of buyers and budgets. This open-concept and spacious 3BR/2BA, split floor plan is all about value and affordability.
$329,000

101 BROWNING, Palatka, Florida 32177 MLS 2133943

101 BROWNING, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
36Picture(s)
2,088Sqft
One-of-a-kind and full of character, this Mid-Century Modern-inspired home immediately commands your attention. Thoughtfully updated in 2023, with a metal roof installed in 2018 and a full re-plumb completed in 2025, this home offers the perfect blend of architectural charm and meaningful system upgrades.
$325,000

374 BEECHER SPRINGS, Crescent City, Florida 32112 MLS 2140359

374 BEECHER SPRINGS, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
26Picture(s)
1,248Sqft
Peace and privacy are calling. This 3 bedroom 2 bath 2003 updated mobile home is located with 4.5+ DRY acres, in the beautiful town of Crescent City. Offering ample outdoor entertainment; enjoy your fully screened 350+ ft front porch, a gorgeous wood back porch, paths throughout the acreage to walk or ride, & more importantly a DREAM 4-5 bay 2016 GARAGE.
$324,999

2400 LUNDY, Palatka, Florida 32177 MLS 2132641

2400 LUNDY, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
34Picture(s)
1,888Sqft
Nearly 1/2 acre corner lot minutes from downtown Palatka, and very close to the Palatka Golf Course. This 4 bedroom, 2 full bath 1900 sqft house comes with an extra large, looping driveway, 2-car garage, and plenty of space inside and out. The property is on public water with public sewer.
$324,500

3 LOTS WEST, Interlachen, Florida 32148 MLS 2117925

3 LOTS WEST, Interlachen, Florida 32148

16Picture(s)
0Sqft
Mirror Lake Waterfront! Three lots totaling 6.17 acres with no wetlands indicated by county GIS data. Mirror Lake is perfect for skiing, fishing, and swimming—an ideal setting for year-round recreation. Zoned for site-built homes, this property offers both privacy and convenience, located on the edge of the Town of Interlachen and near State Road 20.
$320,000

596 FL-20, Palatka, Florida 32177 MLS 2135028

596 FL-20, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
74Picture(s)
0Sqft
Charming 2 BR/2BA home with loft nestled in a private, serene setting surrounded by Rice Creek Conservation Area Sate land on three sides. Thoughtfully designed, the home offers a flexible layout with a bedroom and full bath on each level, ideal for guests or multigenerational living.
$319,900

120 WATERWAY, Satsuma, Florida 32189 MLS 2133192

120 WATERWAY, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
41Picture(s)
1,620Sqft
Don't miss your opportunity to own a rare blend of comfort, upgrades, and true Florida waterfront living! Set on a navigable canal with direct access to Dunns Creek and the St.
$319,900
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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.