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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226 EAGLE CREEK, Palatka, Florida 32043 MLS 2113189

226 EAGLE CREEK, Palatka, Florida 32043

19Picture(s)
0Sqft
This beautiful 10.3-acre rural property offers a rare combination of natural beauty, modern convenience, and long-term investment potential. Located on a paved road with underground utilities, the land features a 150-year-old artesian well, is rich with native and tropical flora, home to diverse wildlife, and includes stands of marketable pine trees.
$199,000

118 BOVONA, Palatka, Florida 32177 MLS 2096672

118 BOVONA, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
22Picture(s)
1,690Sqft
Welcome to 118 Bovona Pl, on a dead-end street adds to the privacy. Minutes from the ST. Johns River. This 3-bedroom 2 bath home has an open floor plan. Some upgrades have been made Primary Bath has a walk-in Shower and new sink. Large Pantry area in the Kitchen and the front porch is enclosed to enjoy morning coffee or afternoon sunsets. Property is fenced and ready for your pets.
$199,000

1481 STATE ROAD 20, Interlachen, Florida 32148 MLS 2090551

1481 STATE ROAD 20, Interlachen, Florida 32148

15Picture(s)
0Sqft
New to market on State Road 20 located on Lake Galilee. Almost 5 acres zoned Agriculture, beautiful oak trees shade the property which is high and dry. The lake is clear for swimming and large enough for small boat or jet ski's. This is a neat property with older improvements from an old boy scout camp that was there many years ago.
$199,000

107 MILTON, Interlachen, Florida 32148 MLS 2131579

107 MILTON, Interlachen, Florida 32148

3Bedroom(s)
1Bathroom(s)
25Picture(s)
1,084Sqft
Welcome home to peaceful country living with room to grow! This charming three bedroom, one-bath single family home offers 1084 sq ft of comfortable living space, perfectly situated on a generous .86-acre lot. Enjoy the privacy and flexibility of a property that sits between 2 roads, offering the unique opportunity to easily add a rear driveway for added convenience or future expansion.
$198,000

2025 KATE, Palatka, Florida 32177 MLS 2117218

2025 KATE, Palatka, Florida 32177

3Bedroom(s)
1Bathroom(s)
36Picture(s)
1,290Sqft
Charming Block Home with Ideal Location & Great Features! Discover the perfect blend of convenience and comfort in this delightful 3 bedroom, 1 bath block home.
$197,000

312 TARPON, Palatka, Florida 32177 MLS 2140934

312 TARPON, Palatka, Florida 32177

2Bedroom(s)
2Bathroom(s)
42Picture(s)
1,188Sqft
NEW METAL ROOF! This waterfront home is perfectly suited for a fishing retreat, family getaway, or income-producing rental. Ideally positioned on a quiet canal, it offers a wonderful setting for anglers and outdoor enthusiasts to enjoy everything Florida waterfront living has to offer. Being offered furnished, this property is ready for immediate enjoyment or rental use.
$195,000

224 RODEO, Interlachen, Florida 32148 MLS 2139781

224 RODEO, Interlachen, Florida 32148

14Picture(s)
0Sqft
COUNTRY LIVING AT IT'S BEST! BRING YOUR HORSES & CATTLE! 15 FENCED ACRES ZONED AG WHICH INCLUDES PART PASTURE & PART BEAUTIFUL OAK HAMMOCKS. Parcel's gated entrance is located off a paved road. Parcel is currently under ag exemption for extremely low taxes. The new owner will need to apply to continue ag exemption as it does not transfer.
$195,000

127 MELLON, Palatka, Florida 32177 MLS 2059750

127 MELLON, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
15Picture(s)
1,448Sqft
Discover the potential of this spacious home, perfectly located with convenient access to shopping and schools. With a little TLC, you can transform this property into the dream home you've always envisioned. Don't miss this opportunity.
$195,000

106 OHIO, Crescent City, Florida 32112 MLS 2056944

106 OHIO, Crescent City, Florida 32112

3Bedroom(s)
2Bathroom(s)
24Picture(s)
1,715Sqft
Welcome to the friendly, vibrant, golf cart community of River Park with direct golf cart access to the golf course in the park. This well cared for home offers a split bedroom plan, storage shed with a hard wired generator and a carport for protected parking. River Park offers a community boat launch with direct access to the St John's River.
$194,000

130 PRICE, Palatka, Florida 32177 MLS 2141965

130 PRICE, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
29Picture(s)
1,440Sqft
Charming 1920 farmhouse-style home full of character and set on a spacious 1/2 acre lot! This 3-bedroom, 2 bath residence offers timeless appeal with mature oak tress providing shade and a picturesque setting. Enjoy relaxing mornings on the large covered front porch, perfect for rocking chairs and quiet country living.
$193,000

125 LEMON, Melrose, Florida 32666 MLS 2097464

125 LEMON, Melrose, Florida 32666

2Bedroom(s)
1Bathroom(s)
30Picture(s)
816Sqft
Charming 1940's Remodeled Historic Bungalow with Modern Touches & Screened Porch Retreat! Discover the timeless charm and modern comforts of this beautifully remodeled 1940's historic bungalow, relocated to its current location in 1970.
$191,500

166 HERNANDO, Florahome, Florida 32140 MLS 2142004

166 HERNANDO, Florahome, Florida 32140

2Bedroom(s)
1Bathroom(s)
31Picture(s)
750Sqft
Refreshed 2 bed, 1 bath home near Lake George on a spacious 0.34 acre lot–ideal for a weekend retreat or full-time living! Updated kitchen with new stainless steel appliances. AC replaced in 2020.
$189,990
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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.