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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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00 DRAYTON ISLAND, Crescent City, Florida 32112 MLS 2126238

00 DRAYTON ISLAND, Crescent City, Florida 32112

5Picture(s)
0Sqft
There is Boat slips at Dray mar Marina to park boats on the mainland. 7.4 acres is plenty to play and have all the privacy you might want. The 5+ acres is buildable if you go through Mediation with The Dept of Environmental in Jacksonville.
$180,000

106 WATEROAK, Satsuma, Florida 32189 MLS 2142131

106 WATEROAK, Satsuma, Florida 32189

3Bedroom(s)
2Bathroom(s)
27Picture(s)
1,512Sqft
Peaceful Living in Satsuma! Welcome to this well-maintained 2003 double wide mobile home featuring 3 bedrooms, 2 bathrooms, and 1,512 sq. ft. of comfortable living space. Nestled in the quiet community of Satsuma, this property offers privacy, convenience, and plenty of room to enjoy the outdoors.
$179,900

XX PENIEL, Palatka, Florida 32177 MLS 2139899

XX PENIEL, Palatka, Florida 32177

12Picture(s)
0Sqft
PRIME 4.67 FENCED ACRES ZONED AG WITH IMPROVED PASTURE & MAJESTIC LIVE OAKS! ZONED FOR HORSES & CATTLE! Parcel has 330' +/- paved road frontage on W Peniel Rd & 616' +/- on the north & south boundary lines. Peaceful location for your dream home or possibly a family S/D! 50' easement on south boundary lined with beautiful mature sycamore trees. High & Dry Land.
$179,900

201 / 199 SWAN LAKE, Melrose, Florida 32666 MLS 2133699

201 / 199 SWAN LAKE, Melrose, Florida 32666

1Bedroom(s)
1Bathroom(s)
26Picture(s)
600Sqft
LOCATION IS GREAT! Country setting with beautiful Florida Sunshine. Two lots are just over an acre. 201 has cozy cabin with metal roof that would make great guest house or rental when completed. So many possibilities, finish for your perfect tiny home or keep and build your dream home on the included lot at 199 Swan Lake Road, and keep the tiny home for guest quarters or family.
$179,900

206 DOLPHIN, Georgetown, Florida 32139 MLS 2132674

206 DOLPHIN, Georgetown, Florida 32139

3Bedroom(s)
2Bathroom(s)
27Picture(s)
1,130Sqft
This beautifully maintained 3 bedroom 2 bathroom welcomes you to cozy country living. Enjoy over one acre of fenced land. Offering the simplicity of sitting with nature from the large screened porch. Clean and bright with all updated windows, an updated shower and eye-catching flooring throughout. Come slow down and immerse yourself in nature.
$179,900

114 ORANGE, East Palatka, Florida 32131 MLS 1253437

114 ORANGE, East Palatka, Florida 32131

24Picture(s)
0Sqft
Beautiful Canal lot just a short idle from the St. Johns River. This lot is already cleared with a few trees along the waters edge and is ready for you to bring your boat and build your dream home. Perched high and dry in Flood Zone ''X'' on a paved road in desirable Palm Port Subdivision with NO HOA. Enjoy sunsets looking down the canal over the River. There is Water & Sewer available.
$179,900

1820 ROSELLE, Palatka, Florida 32177 MLS 2139784

1820 ROSELLE, Palatka, Florida 32177

2Bedroom(s)
1Bathroom(s)
25Picture(s)
1,415Sqft
Charming home in Palatka! Located at 1820 Roselle Ave, this inviting property offers a comfortable layout with bright, welcoming living spaces and plenty of natural light throughout. The kitchen is well-positioned for both everyday living and entertaining, flowing easily into the main living areas. The primary suite used to be two bedrooms and could easily be converted back if needed.
$179,000

PARCEL 6 HILLSBOROUGH, Florahome, Florida 32140 MLS 2101356

PARCEL 6 HILLSBOROUGH, Florahome, Florida 32140

2Picture(s)
0Sqft
11.68 +/- acres in peaceful and tranquil setting of Florahome, with 150 +/- ft frontage on Hillsborough Ave. Known for its small-town charm, Florahome is one of the best kept secrets. This would be a perfect place to build yoru dream home or that weekend getaway you've always wanted. If you love boating, you'll be less than a mile away from George's Lake public boat ramp.
$179,000

144 MAGNOLIA, Satsuma, Florida 32189 MLS 1145528

144 MAGNOLIA, Satsuma, Florida 32189

11Picture(s)
0Sqft
Don't wait….rare find. Great lot already established on Dunns Creek. Most all the hassle has been done so you can enjoy the benefits of someone else's hard work. Two story deck with a gazebo for early morning coffee or afternoon to unwind….entertaining. Has aluminum boat lift just waiting for your sailboat. Boat ramp, power pole, artesian well from neighbor and outbuilding.
$179,000

136 MOCCASIN CREEK, Palatka, Florida 32177 MLS 2118289

136 MOCCASIN CREEK, Palatka, Florida 32177

3Bedroom(s)
2Bathroom(s)
15Picture(s)
1,056Sqft
Great property offers well taken care off double wide located at the end of a private and quiet road the perfect blend of privacy and nature in your 1.44 acres. Step inside to an open and bright living space, modern kitchen with eat-in area, plenty of cabinets and counter space. Spacious bedrooms and comfortable bathrooms for everyday living.
$177,500

191 KAY, Interlachen, Florida 32148 MLS 2117154

191 KAY, Interlachen, Florida 32148

2Bedroom(s)
2Bathroom(s)
27Picture(s)
728Sqft
Just Reduced! Looking for quiet and privacy, this home is for you! 2023 Mobile Home on a nice large lot, Split floor plan 2/2. Enjoy the partially cleared lot with metal building and covered shed. Inside the metal building is an office area with AC. The area with the shed is fenced for pets and has a nice sitting area under the big oaks.
$177,500

225 2ND, Palatka, Florida 32177 MLS 2142185

225 2ND, Palatka, Florida 32177

11Picture(s)
1,272Sqft
Brick commercial building in downtown Palatka offering 1,272 sq ft of C2-zoned space. Formerly used as a church, this property has a solid layout that could work for a variety of business uses. Features include updated electrical, two bathrooms, and city water and sewer already in place.
$175,000
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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
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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.