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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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TBD CORNER LOT 1 BIRCH, Georgetown, Florida 32139 MLS 2139703

TBD CORNER LOT 1 BIRCH, Georgetown, Florida 32139

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SELLER FINANCING AVAILABLE! Corner lot located on Birch Boulevard in Georgetown, Florida (32139). This parcel offers convenient access from multiple sides and is situated within a developing area near existing homes and roadways. Electric lines are available nearby. An environmental survey has already been completed, providing additional due diligence for prospective buyers.
$11,900

TBD LOT 5 N 7TH, Palatka, Florida 32177 MLS 2139696

TBD LOT 5 N 7TH, Palatka, Florida 32177

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SELLER FINANCING AVAILABLE! Vacant residential lot located on N 7th St in Palatka, FL. Situated in an established area with access to downtown Palatka, local shopping, dining, and major roadways. Located near the St. Johns River and nearby parks. No HOA. Environmental survey available.
$11,900

00 TROPIC, Satsuma, Florida 32189 MLS 2057635

00 TROPIC, Satsuma, Florida 32189

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Corner lot on Paved street in growing area of Satsuma. Adjoining lot is for sale with different owner at 102 Bowfin for $7,995. One of these lots would be great but the two together would make great site for you site built or manufactured home. This lot is less than 45 minutes to the beach and minutes from St. Johns River for recreation. Within BMAP boundaries.
$11,900

114 HEINZ, Hawthorne, Florida 32640 MLS 2103308

114 HEINZ, Hawthorne, Florida 32640

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Nice building lot zoned Agricultural. Home is in Putnam County with a Hawthorne address. Private and secluded area in Finley Park neighborhood – 2 minutes to Orange Springs and just a short drive to Palatka and Interlachen. Property will need well and septic with your dream home.
$11,500

126 PECAN, Interlachen, Florida 32148 MLS 2099711

126 PECAN, Interlachen, Florida 32148

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Discover this beautifully wooded .25 acre property with 57 feet of lake frontage . Buyers are advised to check with the county building and health departments for building requirements and regulations .
$11,500

0 DEL MONACO, Interlachen, Florida 32148 MLS 2056416

0 DEL MONACO, Interlachen, Florida 32148

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This listing includes two parcels 25-09-24-4075-0890-0280 and 25-09-24-4075-0890-0290. Located in Interlachen lake estates. .44 acre double lot, Perfect opportunity to build or add a mobile home.
$11,500

137 BIG APPLE, East Palatka, Florida 32131 MLS 2120795

137 BIG APPLE, East Palatka, Florida 32131

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$11,199

00 OLD WOODS, Interlachen, Florida 32148 MLS 2139791

00 OLD WOODS, Interlachen, Florida 32148

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Beautifully wooded .3 acre lot on hard road . Covered with oak trees and palm trees . Buyers are advised to verify building requirements with the county and consult the health department regarding well and septic options .
$11,000

XXX ST LUCIE, Interlachen, Florida 32148 MLS 2131456

XXX ST LUCIE, Interlachen, Florida 32148

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Beautifully wooded .42 acre lot . Very private location . High and dry . Buyers are advised to verify building requirements with the county and consult the health department regarding well and septic options .
$11,000

211 TEMPLE, Crescent City, Florida 32112 MLS 2131380

211 TEMPLE, Crescent City, Florida 32112

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If you want to be close to shops and schools yet have the peace and quiet living, then here is your chance! Not far from Daytona, Orlando, St. Augustine and Jacksonville.
$11,000

104 TEMPLE, Crescent City, Florida 32112 MLS 2131379

104 TEMPLE, Crescent City, Florida 32112

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If you want to be close to shops and schools yet have the peace and quiet living, then here is your chance! Not far from Daytona, Orlando, St. Augustine and Jacksonville.
$11,000

104 FRANKFORT, Satsuma, Florida 32189 MLS 2060670

104 FRANKFORT, Satsuma, Florida 32189

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1.09 agricultural zoned property ready to clear and build your dream home. Nearby St Johns River has several access ramp accessibility via public or private boat ramp access. Possible Owner Financing. Limited access and don't use GPS.
$11,000
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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. 

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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.