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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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117 LAKE VIEW, Georgetown, Florida 32139 MLS 2124461

117 LAKE VIEW, Georgetown, Florida 32139

3Bedroom(s)
2Bathroom(s)
40Picture(s)
1,296Sqft
P
$189,900

118 HUBERS FISH CAMP, Crescent City, Florida 32112 MLS 2138540

118 HUBERS FISH CAMP, Crescent City, Florida 32112

1Bedroom(s)
1Bathroom(s)
29Picture(s)
576Sqft
Anglers stop paying rent. This remodeled, furnished on an acre, cottage retreat offers boat/trailer parking. Walk to Dolar General or Gas Station. Minutes to St. Johns River, Renegades, Boat Ramps, Restaurants, Welaka and Crescent City. 1BR/1BA nestled on a naturally wooded 1 acre lot with front 100' of lot lawn mower maintained.
$189,000

921 MOODY, Palatka, Florida 32177 MLS 2136389

921 MOODY, Palatka, Florida 32177

2Picture(s)
0Sqft
2.22 Acres Zoned C-1 – Prime Commercial Opportunity in Growing Area Rare opportunity to own 2.22 acres of commercially zoned (C-1) property in a rapidly expanding area. This parcel is ideally positioned directly in front of a newly developed townhome community, offering excellent exposure to a growing residential population.
$189,000

1074 FRONT LOTS 98 & 99, Welaka, Florida 32193 MLS 2072145

1074 FRONT LOTS 98 & 99, Welaka, Florida 32193

28Picture(s)
0Sqft
Improved Price! Motivated Seller! Make an Offer! Premier Deeded RV or PARK MODEL Lot (Double Lots 98 & 99) with CARPORT in Welaka's Lazy Days Camp Resort, a St. Johns River Community. Perfect for large RV or a Gorgeous Park Model with a beautiful pond view, abundance of shade, 2 large lots, one for RV or Park Model and one has double carport.
$189,000

143 BAYOU, Satsuma, Florida 32189 MLS 2137236

143 BAYOU, Satsuma, Florida 32189

2Bedroom(s)
2Bathroom(s)
45Picture(s)
1,040Sqft
Price Improvement! Welcome to easy Florida living in this charming 2BR/2BA home in a peaceful adult golf cart-friendly community on Murphy's Creek with access to the St. Johns River. Enjoy beautiful water views from the screened patio, perfect for relaxing mornings or evenings. This furnished home is move-in ready and ideal for full-time living or a seasonal retreat.
$187,000

221 PERRY, Pomona Park, Florida 32181 MLS 2128460

221 PERRY, Pomona Park, Florida 32181

3Bedroom(s)
2Bathroom(s)
30Picture(s)
993Sqft
Charming cottage-style home with metal roof, central A/C and classic appeal. Hardwood floors in select bedrooms, with potential for additional hardwood beneath the carpet. Warm, inviting interior with a bright kitchen and comfortable living spaces. Enjoy a peaceful yard (0.53 acre lot) with covered parking and mature shade trees.
$185,000

608 CORAL FARMS, Florahome, Florida 32140 MLS 2140301

608 CORAL FARMS, Florahome, Florida 32140

3Bedroom(s)
2Bathroom(s)
16Picture(s)
1,560Sqft
Looking for a property with potential? This 1985 Double wide mobile home sits on over 2 Beautiful acres zoned agricultral on a paved road in Florahome, offering a perfect setting for your next project or investment. Property Features: 3 bedroom, 2 full bath, spacious split floor plan. 1560 Sq.ft. Bring your vision and turn this property into something special.
$184,900

211 IDA, Interlachen, Florida 32148 MLS 2081886

211 IDA, Interlachen, Florida 32148

12Picture(s)
0Sqft
Over half acre on one of Interlachen's finest lakes – lake Ida. This lot has a well, septic and power installed. All permits have been pulled to build and there is a skeleton home started. There is also a survey included. DON'T MISS OUT ON SOME BEAUTIFUL SUNSETS on this 189 acre lake.
$184,900

122 CULPEPPER, San Mateo, Florida 32187 MLS 2097149

122 CULPEPPER, San Mateo, Florida 32187

3Bedroom(s)
2Bathroom(s)
15Picture(s)
1,080Sqft
3
$184,000

390 RIVER, East Palatka, Florida 32131 MLS 2132672

390 RIVER, East Palatka, Florida 32131

4Bedroom(s)
2Bathroom(s)
36Picture(s)
2,280Sqft
Opportunity awaits with this spacious 4-bedroom, 2-bath home situated on just over 1.5 private acres. With a flexible floor plan and multiple bonus spaces, this property is perfect for investors, renovators, or buyers looking to create their dream homestead close to the water.
$183,100

190 MANGO, Palatka, Florida 32177 MLS 2140354

190 MANGO, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
32Picture(s)
1,585Sqft
Are you looking for a home you can truly make your own? This classic 3-bedroom, 2-bathroom all-brick home is ready for its next chapter. While it needs some cosmetic love, the structural integrity of a brick build provides a solid foundation for your renovations. Situated on a generous lot, the oversized backyard is a rare find, providing plenty of room for kids, pets, or outdoor entertaining.
$180,000

1056 BELLAMY, Melrose, Florida 32666 MLS 2140192

1056 BELLAMY, Melrose, Florida 32666

3Bedroom(s)
2Bathroom(s)
20Picture(s)
1,344Sqft
This property consists of two separate parcels totaling 6.8 acres–nearly 7 acres that immediately set it apart, offering space, privacy, and long-term potential. The home itself will require updates and improvements, but it provides a solid starting point for someone looking to reshape or reimagine the property over time.
$180,000
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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
Send Mike a Message

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.