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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742 RIDGELINE, Satsuma, Florida 32189 MLS 2042691

742 RIDGELINE, Satsuma, Florida 32189

5Bedroom(s)
3Bathroom(s)
39Picture(s)
2,156Sqft
Looking for an investment opportunity on Dunn's Creek? Look no further, this property has TWO income producing mobile homes 's on it generating right at $1,500 a month. At the end of the .97 of an acre; you are welcomed by a dock for fishing, boat lift, cleaning station, and a beautiful sunsets. Each home is a 2 bedroom 2 bath with generous space to retreat to after a successful fishing trip.
$319,500

742 RIDGELINE, Satsuma, Florida 32189 MLS 2042689

742 RIDGELINE, Satsuma, Florida 32189

4Bedroom(s)
4Bathroom(s)
41Picture(s)
2,156Sqft
Looking for an investment opportunity on Dunn's Creek? Look no further, this property has TWO income producing mobile homes 's on it generating right at $1,500 a month. At the end of the .97 of an acre; you are welcomed by a dock for fishing, boat lift, cleaning station, and a beautiful sunsets. Each home is a 2 bedroom 2 bath with generous space to retreat to after a successful fishing trip.
$319,500

1055 OLD GAINESVILLE, Interlachen, Florida 32148 MLS 2062482

1055 OLD GAINESVILLE, Interlachen, Florida 32148

3Bedroom(s)
2Bathroom(s)
60Picture(s)
1,897Sqft
TWIN LAKE GROVE S/D HOME. Country living in this well maintained 3,017 square foot home situated on 3 corner lots totaling 1.12 acres with large chain link fenced back yard. This home offers an open concept with vaulted ceilings in living room, dining room and kitchen, all having tile flooring. The 3 bedrooms are a split plan and have hardwood flooring.
$319,000

473 US-17, San Mateo, Florida 32187 MLS 1249177

473 US-17, San Mateo, Florida 32187

1Picture(s)
0Sqft
$318,295

108 CREEKSIDE, Satsuma, Florida 32189 MLS 2123967

108 CREEKSIDE, Satsuma, Florida 32189

3Bedroom(s)
1Bathroom(s)
69Picture(s)
1,040Sqft
Living is at its best on this canal front home as this property captures the true essence of waterfront living with a boathouse coming complete with boat lift, and a fish-cleaning sink, and then direct access to Dunns Creek, Crescent Lake, the St. Johns River and beyond to the Atlantic Ocean.
$315,900

222 HIAWATHA, East Palatka, Florida 32131 MLS 2133342

222 HIAWATHA, East Palatka, Florida 32131

2Bedroom(s)
2Bathroom(s)
26Picture(s)
1,060Sqft
GEORGOUS 2BR 2BA CONDO FULLY FURNISHED. Laminate flooring throughout. BEAUTIFUL full kitchen. Step out onto the balcony and enjoy a BEAUTIFUL view of the St Johns river with your morning coffee. There is an AWESOME COMMONS AREA WITH A BEAUTIFUL POOL. You can have a boat slip if one is available. GREAT LOCATION-MINUTES FROM GREAT RESTAURANTS, SHOPING AND MEDICAL CARE.
$315,000

117 UNDERWOOD, Palatka, Florida 32177 MLS 2128628

117 UNDERWOOD, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
39Picture(s)
1,512Sqft
This well-maintained three-bedroom, two-bath home is located in a desirable neighborhood. The home features a spacious open floor plan, ideal for everyday living and entertaining. Enjoy the beautiful spacious kitchen which includes a large double pantry with plenty of storage. Other features include a nice breakfast bar and separate dining room.
$314,900

102 SWANS NEST, Melrose, Florida 32666 MLS 2140152

102 SWANS NEST, Melrose, Florida 32666

3Bedroom(s)
2Bathroom(s)
29Picture(s)
1,176Sqft
Welcome to your slice of North Florida charm in Melrose, Florida! This well-maintained 3-bedroom, 2-bathroom home sits on a desirable corner lot, offering added space, privacy, and curb appeal. Step inside to find a comfortable and inviting layout designed for everyday living. Whether you're relaxing at home or hosting guests, this property provides the perfect balance of functionality and warmth.
$310,000

110 HILL TOP, Hawthorne, Florida 32640 MLS 2131491

110 HILL TOP, Hawthorne, Florida 32640

3Bedroom(s)
2Bathroom(s)
58Picture(s)
1,512Sqft
Nestled on a beautiful 5-acre fenced (2.5 acres fenced) parcel, this property offers the ideal blend of privacy and storage. A 30 x 30 detached garage/workshop with two overhead doors in front and a third in back provides true drive-through access, perfect for vehicles, equipment, or hobby projects.
$310,000

160 RIVER, East Palatka, Florida 32131 MLS 2135883

160 RIVER, East Palatka, Florida 32131

4Bedroom(s)
3Bathroom(s)
47Picture(s)
2,112Sqft
Welcome home to this charming single-family retreat tucked away in a quiet neighborhood. Thoughtfully updated throughout, you'll love the refreshed kitchen and bathrooms, plus the added bonus of a private mother-in-law suite with its own entrance, perfect for guests or multi-generational living.
$309,999

101 PALMLAND, Satsuma, Florida 32189 MLS 2117080

101 PALMLAND, Satsuma, Florida 32189

2Bathroom(s)
34Picture(s)
2,948Sqft
Experience the best of rural Florida living! This charming 4-bedroom, 2-bath home sits among beautiful trees and is less than half a mile from the Dunns Creek boat ramp—perfect for boating and nature lovers.
$307,500

7200 ANDREW JACKSON, Palatka, Florida 32177 MLS 2141165

7200 ANDREW JACKSON, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
49Picture(s)
1,311Sqft
Welcome to this well-maintained 3-bed, 2-bath home in the desirable Tierra Wood neighborhood, offering the perfect blend of comfort, privacy, and freedom with NO HOA. On a corner lot, updated and move-in ready, this home features a new HVAC system from 2022 and a 3 yr old durable metal lifetime roof, providing long-term peace of mind.
$305,000
1046 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.