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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34 WHISPERING PINES ROAD, Georgetown, Florida 32139 MLS 2126623

34 WHISPERING PINES ROAD, Georgetown, Florida 32139

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This rare 1-acre corner LOT in the fast-emerging Whispering Pines neighborhood of Georgetown. Positioned on a paved road at Whispering Pines Rd & Seminole Trail, this property offers flexibility, privacy, and upside, great for investors, builders, or anyone craving space and freedom. Bring your boats, RVs, toys, and vision. No HOA, no CDD, no restrictions. Not in a flood zone.
$44,900

602 SHAPPELL, Interlachen, Florida 32148 MLS 2070106

602 SHAPPELL, Interlachen, Florida 32148

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Discover the perfect opportunity to build your dream home or place your mobile home on this beautiful cleared lot already equipped with well, septic, and power pole, with NO IMPACT FEES! This property offers the best of both worlds—a private, country feel while being just minutes from shopping, dining, and all the outdoor recreation you could ask for.
$44,800

235 HAYES, Interlachen, Florida 32148 MLS 2070076

235 HAYES, Interlachen, Florida 32148

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Discover the perfect opportunity to build your dream home on this beautiful cleared lot with NO IMPACT FEES! Nestled in a desirable neighborhood, this property offers the best of both worlds – a private, country feel while being just minutes from shopping, dining, and all the outdoor recreation you could ask for.
$44,800

243 IVANHOE, Satsuma, Florida 32189 MLS 2135758

243 IVANHOE, Satsuma, Florida 32189

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Great opportunity to own a 3.25-acre vacant lot in the growing Putnam County. Zoned R-2 per the Putnam County Property Appraiser, this property offers excellent potential for residential development or investment. Buyer to do their own Due Diligence.
$44,000

106 STAR LAKE, Hawthorne, Florida 32640 MLS 2102850

106 STAR LAKE, Hawthorne, Florida 32640

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FISHERMAN'S PARADISE!! On Beautiful Star Lake in Hawthorne Fl. Over half a acre of land ready to build your dream home on. Access to Private lake is in Common area, short drive around corner. Cost is only $70.00 per year HOA membership if you want access, Bring your boat and your Zebco!! Power boats allowed, Ready for the water sports or enjoy a cruise on your jet ski.
$42,500

707 HILLSBOROUGH, Florahome, Florida 32140 MLS 2137587

707 HILLSBOROUGH, Florahome, Florida 32140

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Build your dream home on this beautiful .8-acre property in Florahome, where peace and privacy meet natural charm. Surrounded by mature, established trees, this serene setting offers the perfect escape while still being within reach of nearby conveniences. The property is already equipped with electric, well, and septic, saving you time and expense as you bring your vision to life.
$42,000

248 SADDLEBACK, Palatka, Florida 32177 MLS 2142389

248 SADDLEBACK, Palatka, Florida 32177

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1.73 acres. Very secluded. Trust the road. Sign on property.
$40,000

0 BLK22LOT38 CECIL, Interlachen, Florida 32148 MLS 2139057

0 BLK22LOT38 CECIL, Interlachen, Florida 32148

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2.25 acres of vacant, unimproved land ready for your vision. Zoned R-1 for single-family residential, with electric nearby and surrounding homes already in place – making your build that much more attainable. Whether you're looking to create your own private retreat or your next home base, this property is a blank canvas with room to grow.
$40,000

000 S COUNTY ROAD 315, Interlachen, Florida 32148 MLS 2115010

000 S COUNTY ROAD 315, Interlachen, Florida 32148

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Nearly 5 acres of land offering excellent access and endless possibilities. Conveniently situated right in town, this property combines space, accessibility, and opportunity. Check with the City to explore potential development options and make the most of this exceptional location.
$40,000

348 GEORGETOWN DENVER, Georgetown, Florida 32139 MLS 2136304

348 GEORGETOWN DENVER, Georgetown, Florida 32139

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Discover the perfect piece of land at 348 Georgetown Denver Rd in Georgetown, FL! This 1.03-acre property offers a great opportunity to build your dream home or invest in land in a growing area.
$39,900

121 STELLA, Georgetown, Florida 32139 MLS 2122941

121 STELLA, Georgetown, Florida 32139

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.52 acre cleared double lot with culvert entrance. Nice level lot ready to build either site built or manufactured home. Lot not in flood zone, wetlands or BMAP as per official websites. Property amenities include access to Georgetown Cove community recreational area along Lake George with boat ramp, long walking pier, fire pit, covered picnic area and 4 RV hookups available per reservations.
$39,900

0000 GLORIA, Florahome, Florida 32140 MLS 2089858

0000 GLORIA, Florahome, Florida 32140

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Four adjoining wooded lots. Zoned for site built or manufactured homes. Several area lakes in the neighborhood with public access for fishing and boating. Easy commutes to Gainesville, Palatka or Orange Park.
$39,900
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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

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