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.
580 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.
Buying? Homes for sale in Palatka, FL · Putnam County homes for sale
Thinking of selling in Palatka? See what your home would sell for
ZIP codes: Palatka ZIP codes
Palatka (186)
See all 186 Palatka communities → (36 most active shown here)
Crescent City (71)
See all 71 Crescent City communities → (36 most active shown here)
Welaka (19)
Satsuma (50)
See all 50 Satsuma communities → (36 most active shown here)
Pomona Park (35)
Georgetown (33)
Florahome (14)
Hollister (3)
Interlachen (87)
See all 87 Interlachen communities → (36 most active shown here)
East Palatka (67)
See all 67 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.
What county is Palatka in?
Palatka is in Putnam County, Florida. We have guides to 186 Palatka communities. See homes for sale in Palatka · Own a home in Palatka? See what it would sell for.
Where is Palatka, Florida?
Palatka is in Putnam County, in Northeast Florida. It is the Putnam County seat. Browse Palatka homes for sale.
Homes for sale now in Putnam County & St
767 live listings in this area, 231 listed in the last 7 days. A selection, newest first:
- 235 Glades Road, Eatonton · $2,295,000 · 8 bd · 6,654 sq ft · Courtesy of Algin Realty, Inc.
- 117 Oakwood Drive, Eatonton · $379,999 · 3 bd · 2,125 sq ft · Courtesy of The Chaseland Group Inc.
- 132 A Bear Creek Road, Eatonton · $425,000 · 4 bd · 1,360 sq ft · Courtesy of Summit Realty Group
- 165 Fulton Road, Palatka · $350,000 · Courtesy of BEYCOME OF FLORIDA LLC
- 103 Lake Louise Circle, Interlachen · $42,500 · Courtesy of PARALLEL REALTY LLC
- 106 Red Fox Trail, Palatka · $309,900 · Courtesy of COLDWELL BANKER BEN BATES INC
- 100 Wilderness Trail, Crescent City · $549,900 · Courtesy of ST JOHNS REALTY AND MANAGEMENT LLC
- 787 County Line Road, East Palatka · $510,000 · Courtesy of IHEART REALTY INC
- 105 Paradise Circle, Crescent City · $279,000 · Courtesy of RIVER LIFE REALTY LLC
- 100 Sherri Lane, Palatka · $499,900 · Courtesy of COLDWELL BANKER BEN BATES INC
- 120 Pine Street, Satsuma · $229,900 · Courtesy of THE FIELDS GROUP REALTY
- 437 Plantation Pines Drive, Georgetown · $94,900 · Courtesy of CENTURY 21 TRITON REALTY
- 4107 Silver Lake Drive, Palatka · $225,000 · Courtesy of RIVER LIFE REALTY LLC
- 108 Ingraham Drive, Satsuma · $389,900 · Courtesy of COLDWELL BANKER BEN BATES INC
- 367 Horseman Club Road, Palatka · $229,000 · 3 bd · 1,440 sq ft · Courtesy of Momentum Realty
- 617 S Highway 17, San Mateo · $499,000 · 910 sq ft · Courtesy of Momentum Realty
- 617 S Highway 17, San Mateo · $399,000 · Courtesy of Momentum Realty
- 101 Cherry Point, Eatonton · $285,000 · 3 bd · 1,420 sq ft · Courtesy of Lake Homes Realty LLC
- 2028 Kate Street, Palatka · $229,900 · Courtesy of JIM PARKS AND ASSOCIATES REALTY LLC
- 134 Live Oak Loop, Crescent City · $314,900 · Courtesy of RIVER LIFE REALTY LLC
- 182 De Jarnette Road, Eatonton · $390,000 · 3 bd · 1,144 sq ft · Courtesy of Keller Williams Lake Oconee
- 1800 Madison Street, Palatka · $185,000 · Courtesy of IHEART REALTY INC
- 462 Avant Road, Eatonton · $85,000 · 2 bd · 672 sq ft · Courtesy of eXp Realty
- 104 Adams Court, Eatonton · $249,700 · 3 bd · 1,499 sq ft · Courtesy of Farley Realty Group
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.