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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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1134 CORAL FARMS, Florahome, Florida 32140 MLS 2140286

1134 CORAL FARMS, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
19Picture(s)
1,200Sqft
Ideal for a home gardener! Perfect setting for citrus trees, blueberry bushes, and raised beds. Beautiful 2 acres sand hill fenced property. Plenty of sunshine and room to create your own private mini-grove. Home features a 3 bedroom, 2 bath split floor plan with a great room featuring a wood burning fireplace.
$289,900

131 KINGFISH, Palatka, Florida 32177 MLS 2054075

131 KINGFISH, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
29Picture(s)
1,856Sqft
Nestled on a canal along the serene waters of the St Johns River, 131 Kingfish Ave offers an idyllic retreat for water enthusiasts. This charming three-level home boasts 2 spacious bedrooms and 2 modern bathrooms, ensuring ample comfort and privacy. The property features approximately 75 feet of deep-water canal frontage roughly 900 yards from the St Johns River, perfect for boating and fishing.
$289,900

138 KELLEY SMITH SCHOOL, Palatka, Florida 32177 MLS 2123584

138 KELLEY SMITH SCHOOL, Palatka, Florida 32177

4Bedroom(s)
2Bathroom(s)
53Picture(s)
1,543Sqft
U
$289,000

117 JILL, Satsuma, Florida 32189 MLS 2128704

117 JILL, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
34Picture(s)
1,210Sqft
This home is perfect for those who crave a cozy waterfront lifestyle in a friendly and welcoming community. Situated along a canal that leads to Dunn's Creek, it offers direct access to the St. Johns River. This charming 3-bedroom, 2-bathroom home boasts a wonderful open floor plan and updated flooring throughout.
$284,900

543 PALMETTO BLUFF RD, Palatka, Florida 32177 MLS 2126168

543 PALMETTO BLUFF RD, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
23Picture(s)
1,334Sqft
Beautiful new construction 3-bedroom, 2-bath country home featuring a desirable split floor plan, soaring 10-foot ceilings, and 8-foot interior and exterior doors throughout. The home includes a covered carport for parking, a new flowing deep well, and a new septic system.
$284,900

1894 STATE ROAD 20, Hawthorne, Florida 32640 MLS 2137296

1894 STATE ROAD 20, Hawthorne, Florida 32640

14Picture(s)
0Sqft
Discover the perfect opportunity to own 7.68 acres of agricultural zoned land in a prime location. This property offers over 260 feet of frontage on State Road 20 providing excellent visibility and access. The land features a high wooded sandhill ecosystem with native longleaf pine turkey oak and wiregrass along with beautiful live oaks on the southern slope.
$280,000

575 RIVER HILL, Welaka, Florida 32193 MLS 2137217

575 RIVER HILL, Welaka, Florida 32193

4Bedroom(s)
2Bathroom(s)
23Picture(s)
1,665Sqft
This well-maintained home with abundant natural light, a functional open-concept layout, and a comfortable living space designed for both everyday living and entertaining. The desirable Quincy floor plan seamlessly connects the living, dining, and kitchen areas, for a welcoming atmosphere.
$279,900

512 CEDAR CREEK, Palatka, Florida 32177 MLS 2125697

512 CEDAR CREEK, Palatka, Florida 32177

14Picture(s)
0Sqft
This property is hitting the market at the perfect time! Get ready for the beautiful Florida spring time on the St. John's River. Vacant buildable lots on the river are getting hard to find but a few gems like this remain. Deed restricted for site built homes only but no HOA or square footage requirements. Survey attached shows benchmark with plenty of good uplands for your new home.
$278,901

131 SANJAN, Satsuma, Florida 32189 MLS 2141835

131 SANJAN, Satsuma, Florida 32189

2Bedroom(s)
2Bathroom(s)
33Picture(s)
1,188Sqft
Like-new home on a great canal! This 2021 Jacobsen manufactured home is located on a prime canal lot leading to Dunns Creek, the St. Johns River, and Atlantic Ocean. The home features 2-bed, 2-bath with 9-ft ceilings throughout, an open great room with wonderful natural light, and a large kitchen with island and white cabinetry. All appliances will remain, including the stacked washer and dryer.
$274,900

116 WATERSIDE, Satsuma, Florida 32189 MLS 2124558

116 WATERSIDE, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
53Picture(s)
1,134Sqft
Don't miss this chance to own a beautiful fully renovated canal-front haven offering effortless access to majestic Dunns Creek, Crescent Lake and the St. Johns River. New 70 plus foot bulkhead and ample docking deck, so you can add the lift that accommodates your vessel! This home offers 3 Bed/2 Bath, split, open concept floorplan.
$274,900

832 LAKE SHORE, Interlachen, Florida 32148 MLS 2114092

832 LAKE SHORE, Interlachen, Florida 32148

3Bedroom(s)
1Bathroom(s)
42Picture(s)
1,388Sqft
Welcome Back to Lake Life on Clearwater Lake! After some thoughtful updates and care, this lakeside gem is ready to shine again! Escape the hustle and bustle and embrace peaceful lakeside living on tranquil Clearwater Lake, complete with canal access to the stunning 360-acre Lake Grandin.
$274,900

736 S HIGHWAY 17, Satsuma, Florida 32189 MLS 2084490

736 S HIGHWAY 17, Satsuma, Florida 32189

30Picture(s)
0Sqft
Prime Commercial Opportunity in a Growing Area – Unlock the value of 1.54 acres of C-2 zoned property located in a rapidly developing area. Currently operating as a flea market with 34 individual stands/buildings, this versatile site offers a unique opportunity for both investors and developers. Continue to run the existing flea market or reimagine the entire space to suit your vision.
$270,800
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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

Call Mike Now

🔑20+ Years in Construction and 18+ Years in Florida Real Estate 

Putnam County Fl Waterfront Homes for Sale
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I have experience that other agents simply do not have. 

Picture of Mike Schwiebert

Mike Schwiebert

Mike Schwiebert is a two-time Best of Clay Realtor Winner, multiple-time Best of Jax top 5, a home selling expert, former general, building and remodeling contractor, Investor, and girl dad. 20+ years of construction experience and 18+ years of local real estate experience.