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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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120 OAK HILL, Palatka, Florida 32177 MLS 2140546

120 OAK HILL, Palatka, Florida 32177

3Bedroom(s)
1Bathroom(s)
34Picture(s)
1,210Sqft
Don't miss out on this updated, move in ready concrete block home located on a corner lot. This home has an updated kitchen with new cabinets, stainless appliances and ready for new owner. New paint and flooring throughout with updated bathroom makes this home move in ready.
$199,900

509 KENNEDY, Interlachen, Florida 32148 MLS 2138901

509 KENNEDY, Interlachen, Florida 32148

3Bedroom(s)
2Bathroom(s)
50Picture(s)
2,600Sqft
Discover the potential in this distinctive A-frame style home situated on a spacious lot at 509 Kennedy Ave. This property offers a rare architectural design with soaring ceilings, exposed wood beams, and an open-concept layout that creates a warm and inviting atmosphere. The home features multiple living areas, generously sized bedrooms, and abundant natural light throughout.
$199,900

4505 ST JOHNS, Palatka, Florida 32177 MLS 2012395

4505 ST JOHNS, Palatka, Florida 32177

9Picture(s)
0Sqft
Build your business on this partially cleared acreage with approximately 230 ft of frontage on heavily traveled St. Johns Ave. Over 4+ total acres that includes a pond. Sidewalk in front of property. Property is close to St. Johns River State College and State Rd 19. Motivated Seller – Will Consider All Offers.
$199,900

4505 ST JOHNS, Palatka, Florida 32177 MLS 2012398

4505 ST JOHNS, Palatka, Florida 32177

9Picture(s)
0Sqft
Build your business on this partially cleared acreage with approximately 230 ft of frontage on heavily traveled St. Johns Ave. Over 4+ total acres that includes a pond. Sidewalk in front of property. Property is close to St. Johns River State College and State Rd 19. Motivated Seller – Will Consider All Offers.
$199,900

1127 STATE ROAD 19, Palatka, Florida 32177 MLS 2128863

1127 STATE ROAD 19, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
45Picture(s)
1,361Sqft
Charming 3 bedroom, 2 bathroom home situated on over 2 acres. This property is Zoned AG, meaning chickens are welcome. Despite the acreage, the location remains close to shopping, schools, and medical facilities. Interior & Layout: Kitchen: Features stainless steel appliances and a functional breakfast bar for seating.
$199,900

156 LAKE MARGO, Satsuma, Florida 32189 MLS 2114972

156 LAKE MARGO, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
18Picture(s)
1,144Sqft
Well maintained home with peaceful pond view and community access to the St Johns River via Murphy's Creek. Located in the Bayou Club, an 18+ community with clubhouse, community pool, and river access. This 3 bedroom 2 bath home features an open floor plan with large eat-in kitchen and a spacious living area with access to the deck overlooking the pond.
$199,900

XX SIMPSON, Interlachen, Florida 32148 MLS 2048514

XX SIMPSON, Interlachen, Florida 32148

10Picture(s)
0Sqft
SIX ACRES OF PEACEFUL LAKEFRONT ON BIG LAKE HEWITT ZONED AG! BUILD YOUR DREAM HOME & LIVE THE LAKE DREAM ON THIS CLEAR PRIVATE LAKE! Property has approximately 200' of lake frontage with beautiful live oaks & plenty of wildlife! Bring all your water toys including motor boats & fishing poles! An additional adjoining 8 acres can also be purchased. Measurements are estimated.
$199,900

636 UNION, Interlachen, Florida 32148 MLS 2141502

636 UNION, Interlachen, Florida 32148

4Bedroom(s)
2Bathroom(s)
30Picture(s)
1,820Sqft
Peaceful country living in Interlachen . Escape to the quiet charm of country living in this beautifully remodeled 1820 square feet home situated on a spacious .42 acre lot . Featuring four bedrooms and two bathrooms , this home offers a desirable split floor plan that provides both privacy and comfort .
$199,000

111 & 113 WATEROAK, Satsuma, Florida 32189 MLS 2141247

111 & 113 WATEROAK, Satsuma, Florida 32189

2Bedroom(s)
2Bathroom(s)
30Picture(s)
864Sqft
Bring your toothbrush–everything else is already here waiting for you! This practically brand-new 2025 mobile home offers effortless living with all appliances included and being sold fully furnished–just move in and start enjoying. Situated on nearly half an acre, this unique property includes a second lot at 113 Wateroak, giving you extra space, flexibility, and value.
$199,000

1375 STATE ROUTE 100, Melrose, Florida 32666 MLS 2136649

1375 STATE ROUTE 100, Melrose, Florida 32666

3Bedroom(s)
2Bathroom(s)
52Picture(s)
2,142Sqft
Set on 7.88 acres in Melrose, this property offers a rare combination of privacy, usable land, and opportunity. With open pastures, mature oak and pine trees, and plenty of space to explore or create your ideal setup, it's well suited for those looking to enjoy a more rural lifestyle. The property provides convenient access to Palatka, Keystone Heights, Gainesville, and St. Augustine.
$199,000

137 BONITA, Palatka, Florida 32177 MLS 2123721

137 BONITA, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
26Picture(s)
1,078Sqft
BACK ON THE MARKET! Buyer's financing fell through. This spacious canal front home is situated on a canal that leads to the St. Johns River. Over the past three years, it has undergone numerous updates, including new flooring, kitchen appliances with a gas stove, a washer and dryer, and an HVAC system installed in 2020.
$199,000

119 PINE, Melrose, Florida 32666 MLS 2127337

119 PINE, Melrose, Florida 32666

1Bedroom(s)
1Bathroom(s)
23Picture(s)
898Sqft
Welcome to this beautifully built 2024 home located on a quiet, wooded lot in Melrose. This 898 sq ft, 1-bedroom, 1-bath home with a bonus room offers modern, low-maintenance living in turn-key, like-new condition. The open-concept layout features luxury vinyl plank flooring, neutral finishes, and abundant natural light.
$199,000
1055 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

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. 

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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.