Putnam County & St. Johns River neighborhoods. Know what matters before you buy.
Putnam County is the cheapest genuine waterfront in northeast Florida — the broad St. Johns River, Crescent Lake, and a chain of fishing towns (Welaka, Georgetown, Satsuma) where riverfront homes still trade for what a dry lot costs in St. Johns County. Palatka anchors the county with a working-river downtown that has been quietly improving, and the inland lakes around Interlachen and Florahome offer entry-level acreage 45 minutes from both Gainesville and St. Augustine.
The honest caveats: flood zone and dock condition decide everything on river property, much of the county is well-and-septic, and appreciation here has historically lagged the coast — you buy Putnam for the water and the price, not the comps trajectory. Each guide below covers flood posture, utilities, and who each town fits.
589 community guides, organized by town — the largest towns show their most active communities here, with every community on the town page. Start with the interactive Neighborhood Finder if you'd rather browse the whole map.
Palatka (189)
See all 189 Palatka communities → (36 most active shown here)
Crescent City (73)
See all 73 Crescent City communities → (36 most active shown here)
Welaka (19)
Satsuma (51)
See all 51 Satsuma communities → (36 most active shown here)
Pomona Park (35)
Georgetown (34)
Florahome (15)
Hollister (3)
Interlachen (87)
See all 87 Interlachen communities → (36 most active shown here)
East Palatka (68)
See all 68 East Palatka communities → (36 most active shown here)
San Mateo (15)
Straight answers
Is riverfront in Welaka or Georgetown a good buy?
If you want fishable, boatable big-water frontage at the lowest price in the region — yes, with eyes open on flood insurance, seawall/dock condition, and slower resale. Our guides rate each stretch of river honestly.
What is the commute from Palatka?
SR-19/SR-20 puts Gainesville and St. Augustine both around 45 minutes; Jacksonville is about an hour ten. It suits remote and hybrid workers better than daily commuters.
Why are prices in Putnam County so low?
A smaller employment base and older housing stock. The discount is structural, which is precisely the opportunity for waterfront buyers who care about the river more than the resale curve.
Homes for sale now in Putnam County & St
679 live listings in this area, 39 listed in the last 7 days. A selection, newest first:
- 127 East Street, Palatka · $259,000 · Courtesy of IHEART REALTY INC
- 125 Silver Lake Drive, Hawthorne · $91,000 · Courtesy of MODERN REALTY OF FLORIDA
- 453 Old Hawthorne Road, Hawthorne · $244,900 · Courtesy of CB ISAAC REALTY
- 112 Pennsylvania Ave Avenue, Satsuma · $259,000 · Courtesy of COLDWELL BANKER BEN BATES INC
- 301 Lakeview Avenue, Crescent City · $349,900 · Courtesy of THE FIELDS GROUP REALTY
- 136 Barrington Hall Drive, Eatonton · $4,250,000 · 5 bd · 6,270 sq ft · Courtesy of Lake Homes Realty LLC
- 101 MC Call Street, Interlachen · $165,000 · Courtesy of UNITED REAL ESTATE GALLERY
- 116 Cordell Avenue #A, Interlachen · $147,700 · Courtesy of INTERLACHEN REALTY SERVICES, INC
- 227 Spec Lane, Crescent City · $135,000 · Courtesy of CENTURY 21 ST AUGUSTINE PROPERTIES
- 103 Williams Street, Palatka · $235,000 · Courtesy of RE/MAX SIGNATURE
- 307 Tarpon Boulevard, Palatka · $150,000 · Courtesy of KELLER WILLIAMS FIRST COAST REALTY
- 601 Hoover Road, Palatka · $259,900 · Courtesy of NICOSIA REALTY INC.
- 125 Pine Street, Satsuma · $175,000 · Courtesy of IRON VALLEY REAL ESTATE NORTH FLORIDA
- 139 Sportsman Road, Satsuma · $299,000 · Courtesy of FLORIDA BEACHES REAL ESTATE COMPANY
- 209 River Drive, East Palatka · $459,900 · Courtesy of MAXREV, LLC
- 113 S Lake George Drive, Georgetown · $350,000 · Courtesy of KELLER WILLIAMS REALTY AT THE LAKES
- 1886 State Road 20, Hawthorne · $549,999 · Courtesy of FLORIDA HOMES REALTY & MTG LLC
- 123 Esperanza Grove Road, East Palatka · $469,900 · Courtesy of IHEART REALTY INC
- 1060 Coral Farms Road, Florahome · $285,000 · Courtesy of MAXREV, LLC
- 156 & 158 Mount Royal Avenue, Crescent City · $945,000 · Courtesy of CENTURY 21 BECKHAM REALTY
- 115 Lake Susan Road, Hawthorne · $235,000 · Courtesy of REAL BROKER LLC
- 117 S 3RD Street, Palatka · $530,000 · Courtesy of DUCK REALTY INC
- 153 Sunny Lane, Pomona Park · $3,500,000 · Courtesy of WATSON REALTY CORP
- 7320 Old Wolf Bay Road, Palatka · $349,900 · Courtesy of FLORIDA HOMES REALTY & MTG LLC
Just listed, updated hourly: New in Northeast Florida · New in Georgia
Live MLS listings, refreshed hourly; listings held by other brokerages are marked with the listing broker. Information deemed reliable but not guaranteed. Equal Housing Opportunity.