Owner-Occupied vs Investor Neighborhoods in Putnam County
Who owns a neighborhood tells you how it will behave: homesteaded blocks turn over slowly and vote for the HOA budget; investor-heavy ones rent, flip and swing with the market. Florida publishes the answer parcel by parcel on the county property appraiser’s roll, and this page rolls it up for every Putnam County community we track — the homestead share (owner-occupancy), the estimated non-owner-occupied share, out-of-state owners and LLC/trust ownership.
Across 226 Putnam County communities and 38,958 residential parcels on the 2025 Florida DOR roll, 45% of homes are homesteaded — the owner-occupancy proxy — and 55% are not; 11% are owned from out of state and 10% are held by an LLC, corporation or trust. Point Of Woods is the most owner-occupied community in the county at 92%; Cooper Lake Manor the most investor-held at 4% homesteaded.
Most owner-occupied communities in Putnam County
| Community | City | Homesteaded | Non-owner-occupied | Parcels | Built (median) |
|---|---|---|---|---|---|
| Point Of Woods | Palatka | 92% | 8% | 49 | 1978 |
| Heritage Heights | Palatka | 90% | 10% | 52 | 2001 |
| Tierra Wood | Palatka | 86% | 14% | 77 | 1995 |
| Esperanza Shores | East Palatka | 82% | 18% | 50 | 1972 |
| Colonial Pines | Palatka | 81% | 19% | 115 | 1988 |
| Whippletree Narrows | Palatka | 78% | 22% | 32 | 1994 |
| West Diana Drive | Palatka | 77% | 23% | 43 | 1951 |
| Underwood Estates | Palatka | 76% | 24% | 45 | 1984 |
| Round Lake Park | Palatka | 74% | 26% | 117 | 1982 |
| Thomas Station | Palatka | 73% | 27% | 63 | 1978 |
| Orman Leigh Estates | Palatka | 73% | 27% | 59 | 1978 |
| Hermitage | Palatka | 72% | 28% | 43 | 1985 |
| Buena Vista | East Palatka | 72% | 28% | 74 | 1995 |
| Glen Eagle | Hollister | 71% | 29% | 42 | 2005 |
| Hollister | Hollister | 71% | 29% | 42 | 2005 |
| Webbs Viking Manor | Palatka | 71% | 29% | 107 | 1995 |
| Elgin Grove | East Palatka | 71% | 29% | 65 | 1984 |
| Center Street | Palatka | 70% | 30% | 102 | 1950 |
| Highland Pines | Palatka | 69% | 31% | 125 | 1950 |
| Huertas Grant | East Palatka | 69% | 31% | 236 | 1969 |
| Fairway Park | Palatka | 69% | 31% | 51 | 1958 |
| River Groves | East Palatka | 68% | 32% | 216 | 1965 |
| Rowtons | Palatka | 67% | 33% | 353 | 1971 |
| Mcmeekin Plantation | Hawthorne | 67% | 33% | 33 | 1983 |
| Palm Port | East Palatka | 67% | 33% | 147 | 1983 |
Most investor-held communities
Lowest homestead share — rentals, second homes and flips concentrate here.
| Community | City | Homesteaded | Non-owner-occupied | LLC / trust | Parcels |
|---|---|---|---|---|---|
| Cooper Lake Manor | Hawthorne | 4% | 96% | 42% | 160 |
| Paradise Lakes | Georgetown | 5% | 95% | 18% | 172 |
| River Bend Estates | Welaka | 6% | 94% | 17% | 65 |
| Riverbend | Welaka | 6% | 94% | 17% | 65 |
| Kentucky Heights | Palatka | 10% | 90% | 7% | 30 |
| Lake George Manor | Georgetown | 10% | 90% | 15% | 157 |
| Palm Ridge | Pomona Park | 13% | 87% | 28% | 71 |
| Orange Blossom Garden | Interlachen | 14% | 86% | 8% | 50 |
| Oak Ridge Park | Interlachen | 14% | 86% | 11% | 228 |
| Lakeview Estates | Interlachen | 16% | 84% | 6% | 300 |
| Lincoln City Hills | Hawthorne | 17% | 83% | 17% | 36 |
| St Johns Manor | Palatka | 17% | 83% | 12% | 59 |
| Driftwood Cove | Georgetown | 17% | 83% | 15% | 265 |
| Hoot Owl Ridge | Satsuma | 18% | 82% | 21% | 404 |
| Lakeside Hills | Florahome | 18% | 82% | 12% | 592 |
| Georges Lake | Florahome | 19% | 81% | 12% | 150 |
| Live Oak Golf&country club | Crescent City | 19% | 81% | 24% | 84 |
| Blanchards | Georgetown | 19% | 81% | 15% | 277 |
| Trout Lake Shores | Interlachen | 19% | 81% | 10% | 31 |
| Crescent Shores Hei | Crescent City | 20% | 80% | 12% | 100 |
| St Johns Hoot Owl | Satsuma | 21% | 79% | 23% | 248 |
| Towles | Georgetown | 21% | 79% | 18% | 38 |
| Welaka Mobile Park | Satsuma | 22% | 78% | 13% | 191 |
| Whispering Pines | Georgetown | 23% | 77% | 6% | 625 |
| Cooper Lake Hills | Interlachen | 24% | 76% | 6% | 34 |
Most out-of-state owners
| Community | City | Out-of-state | Homesteaded | Parcels |
|---|---|---|---|---|
| Cooper Lake Manor | Hawthorne | 44% | 4% | 160 |
| Orange Blossom Garden | Interlachen | 36% | 14% | 50 |
| Lake George Manor | Georgetown | 36% | 10% | 157 |
| Oak Ridge Park | Interlachen | 34% | 14% | 228 |
| Crest Breeze Manor | Crescent City | 33% | 46% | 33 |
| Crescent Shores Hei | Crescent City | 32% | 20% | 100 |
| River Bend Estates | Welaka | 29% | 6% | 65 |
| Riverbend | Welaka | 29% | 6% | 65 |
| Lakeview Estates | Interlachen | 28% | 16% | 300 |
| Historic District | Palatka | 26% | 45% | 42 |
| Saratoga Harbor | Satsuma | 26% | 28% | 205 |
| Hoot Owl Ridge | Satsuma | 25% | 18% | 404 |
| Paradise Lakes | Georgetown | 24% | 5% | 172 |
| St Johns Manor | Palatka | 24% | 17% | 59 |
| Trout Lake Shores | Interlachen | 23% | 19% | 31 |
Highest LLC, corporate or trust ownership
| Community | City | LLC / trust | Homesteaded | Parcels |
|---|---|---|---|---|
| Cooper Lake Manor | Hawthorne | 42% | 4% | 160 |
| Port Buena Vista | East Palatka | 33% | 28% | 43 |
| Palm Ridge | Pomona Park | 28% | 13% | 71 |
| Live Oak Golf&country club | Crescent City | 24% | 19% | 84 |
| St Johns Hoot Owl | Satsuma | 23% | 21% | 248 |
| Mount Royal Estates | Crescent City | 22% | 45% | 49 |
| Hoot Owl Ridge | Satsuma | 21% | 18% | 404 |
| Lake George Shores | Georgetown | 19% | 28% | 75 |
| Towles | Georgetown | 18% | 21% | 38 |
| Paradise Lakes | Georgetown | 18% | 5% | 172 |
| Lak-a-wana Lake Garden | Hawthorne | 17% | 34% | 122 |
| Mirror Lake Beaches | Interlachen | 17% | 40% | 70 |
| River Bend Estates | Welaka | 17% | 6% | 65 |
| Riverbend | Welaka | 17% | 6% | 65 |
| Lincoln City Hills | Hawthorne | 17% | 17% | 36 |
How to read this
Homestead exemption is claimed by owners who live in the home as their primary residence, so the homestead share is a close proxy for owner-occupancy; the non-owner-occupied estimate is its complement adjusted for parcels that cannot claim it. Out-of-state and LLC/trust shares come from the owner mailing address and owner name on the roll. Communities are matched to parcels by subdivision and street; figures are for the parcels matched (n shown), not necessarily every home. Source: Florida Department of Revenue NAL assessment roll, 2025, compiled by Momentum Research, September 2026. Back to homes for sale in Putnam County.