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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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109 ARDEN, Georgetown, Florida 32139 MLS 2086521

109 ARDEN, Georgetown, Florida 32139

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Possible OWNER FINANCING This lot that is just over a half acre (.61) Zoned R2 for 2 Family Dwelling also zoned A2 (Agricultural for farming and animals) Enjoy the Back part of the property that has a spring fed pond. No HOA building restrictions. Just a short drive to Lake George, the second-largest lake, Outdoor enthusiasts will also love this area.
$17,499

187 LITTLE ORANGE LAKE, Hawthorne, Florida 32640 MLS 2133006

187 LITTLE ORANGE LAKE, Hawthorne, Florida 32640

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This property is in the Four Lakes Community with access to the public boat ramp located midway up the lake on the western shore, just around the corner. MHs Okay. Partially cleared underbrush, and beautiful wooded scenery. There are 380 bodies of water within a 10-mile radius of Hawthorne.
$17,000

500 GEORGETTE, Interlachen, Florida 32148 MLS 2115429

500 GEORGETTE, Interlachen, Florida 32148

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Excellent investment opportunity! This spacious 0.70-acre corner lot in Interlachen offers great potential for new construction or long-term hold. The property sits on a quiet street with convenient access to State Road 20, providing easy routes to Palatka, Gainesville, and nearby shopping and dining.
$17,000

107 GEORGETOWN POINT RD, Georgetown, Florida 32139 MLS 2095184

107 GEORGETOWN POINT RD, Georgetown, Florida 32139

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**MOTIVATED SELLERS ** 0.34 Acre – Build or Mobile Home – Deeded Lake Access – High & Dry – Clean Title Buildable 0.34 acre lot near Lake George with deeded access – for mobile home or new construction. High & dry lot, outside flood zone, clean title and ready for immediate transfer. Few trees left to clear, easy access from paved road.
$17,000

00 MARION, Palatka, Florida 32177 MLS 2120006

00 MARION, Palatka, Florida 32177

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.53 agricultural parcel conveniently located from Highway 19. Not in flood zone nor wetlands.
$16,995

0 EDGEHILL, Satsuma, Florida 32189 MLS 2141091

116 EDGEHILL, Satsuma, Florida 32189

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Three contiguous vacant lots offered together in the Hoot Owl Ridge 1st Addition of St. Johns Riverside Estates. Combined acreage of approximately 0.69 acres — a rare opportunity to secure a larger buildable footprint in a well-established Putnam County subdivision. All three lots sit side by side, giving a buyer the flexibility to build on the combined parcel or hold as an investment.
$16,500

120 JULY, Georgetown, Florida 32139 MLS 2121160

120 JULY, Georgetown, Florida 32139

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If you're a homebuyer, an investor or just looking for that great deal, make sure to see this beautifully located Georgetown lot. This lot sits High & Dry and is but a short walk to the community's private park on Lake George that has its own boat ramp and fishing dock is only one of its many benefits.
$16,500

141 SIGMAN, Florahome, Florida 32140 MLS 2008949

141 SIGMAN, Florahome, Florida 32140

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Rural, corner lot, wooded .60+/- acre lot (2 parcels) on a dirt road. Zoned R2 which allows manufactured or site built homes, Survey, clearing, well, septic and electric needed to build. Buyer is advised to contact Putnam County Planning and Zoning to verify their intended use. Buyer is advised to do their due diligence regarding Florida's ne Septic law – July 2023.
$16,500

111 HERNANDO, Florahome, Florida 32140 MLS 2141311

111 HERNANDO, Florahome, Florida 32140

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Find your own little paradise in Florahome! This 0.34-acre lot on a paved road offers the ideal mix of tranquility and adventure. Tucked away in a peaceful neighborhood, it's perfect for anyone who loves the water–Georges Lake and its boat ramp are less than ten minutes away, giving you quick access to fishing, boating, and lakeside fun.
$16,300

112 MARIE, Georgetown, Florida 32139 MLS 2123664

112 MARIE, Georgetown, Florida 32139

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Beautiful cleared lot with a culvert and milling drive just ready for you! Survey recently completed. Georgetown Cove association offers a gated access to community boat launch and dock complete with grills, picnic tables and firepit. This is the place to watch sunsets while the children play! RV hook ups available for a fee inside the gated area. Come see what Georgetown Cove has to offer.
$16,000

423 3RD, Satsuma, Florida 32189 MLS 2114059

423 3RD, Satsuma, Florida 32189

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Secluded acre. No access currently. Only a survey can show exact property lines.
$16,000

225 CARTERET, Georgetown, Florida 32139 MLS 2103511

225 CARTERET, Georgetown, Florida 32139

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Escape to your own piece of Florida paradise with this serene, wooded .23-acre lot nestled in the sought-after Georgetown Cove community. Enjoy exclusive gated access to the stunning Lake George and St. Johns River, complete with resident amenities like a covered pavilion, outdoor grill, fire pit, dock, and boat ramp—ideal for weekend escapes or year-round living.
$16,000
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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

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🔑20+ Years in Construction and 18+ Years in Florida Real Estate 

Putnam County Fl Waterfront Homes for Sale
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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.