Putnam FL Waterfront Real Estate, Homes, Condos for Sale

3 Beds ⋅ 2 Baths ⋅ 2156763 MLS ⋅ 32148 Zip Code

Let's dream about lakefront living on this rare find of a main home and guest cottage for the ultimate gathering. The home boasts of three separate open areas and a sunroom. The home on this 1.17 +/- acres also has a basement and garage below making it one of a kind. Approximately 142 ft of frontage on Mirror Lake is fully water recreational for boating, skiing and kayaking. The approx. 200 sq ft guest cottage with screened porch built in 1968 will require interior renovation to the 1-bedroom/1-bath, kitchen and living spaces. Two metal carports/pole barns offer parking or camper storage with 30-amp near. Easy commute on 4-lane State Rd 20 to Gainesville. Note: Come enjoy the most of Florida waterfront living.

214 Mirror Lake Drive, Interlachen

$55,000

2156580 MLS ⋅ 32177 Zip Code

Tucked away on Bonita Drive in Palatka, this waterfront lot offers the perfect blend of privacy and peaceful living. Nestled in a quiet neighborhood, it's an ideal setting for those looking to escape the noise and enjoy a more relaxed lifestyle. With access to the St. Johns River, you'll have the opportunity to embrace true Florida living--whether that means boating, fishing, or simply taking in the natural beauty right from your backyard. This is your chance to explore the opportunities vacant land gives you. You'll have the flexibility to design every detail to fit your lifestyle, without compromise. Opportunities like this don't come around often--secure your slice of waterfront serenity and start creating something truly your own.

143 Bonita Drive, Palatka

$500,000

3 Beds ⋅ 2 Baths ⋅ 2156359 MLS ⋅ 32043 Zip Code

Experience living just off the St Johns River on beautiful Cedar Creek in this custom-built, two-story A-Frame log home. Offering distinctive living space, this one-of-a-kind home showcases soaring 22-foot ceilings, tongue-and-groove walls, handcrafted doors, pine & bamboo flooring, & countless custom details throughout. The open-concept great room is highlighted by dramatic floor-to-ceiling windows providing breathtaking views of the property's winding boardwalk that meanders through native Florida landscape to the waterfront which features a dock with a covered boathouse. The first floor offers two bedrooms and a full bath, while the spacious second-floor owner's suite serves as a private retreat with its own private deck, sitting area with wet bar overlooking the great room. This rare Cedar Creek waterfront property offers rustic character, modern comfort, & direct access to the St Johns River, creating an extraordinary opportunity for those seeking a peaceful waterfront sanctuary.

152 Pioneer Trail, Palatka

$595,000

3 Beds ⋅ 2 Baths ⋅ 2156295 MLS ⋅ 32177 Zip Code

Beautiful retreat on the St. Johns River. Country setting that is convenient to the First Coast Expressway with easy commute to Orange Park. Two manicured acres with beautiful live oak trees lining the circular drive. Peaceful river views from the enclosed porch overlooking the dock and bulkheaded riverfront. Detached garage has large workshop with french doors. Home has brand new heat pump, front deck with wheelchair ramp, split bedroom plan, large utility room and large dining room. These properties are getting harder and harder to find, don't miss out on this golden opportunity to have your year round or dream vacation home!

442 Cedar Creek Road, Palatka

$25,000

2156266 MLS ⋅ 32189 Zip Code

This is for comp purposes only.

108 Nassau Avenue, Satsuma

$249,900

2 Beds ⋅ 2 Baths ⋅ 2156238 MLS ⋅ 32666 Zip Code

Cute Lakefront Gem in Melrose: Fully Rehabbed 2-Bed/2-Bath with Screened Pool. Discover this charming 2-bedroom, 2-bath home, perfectly situated on a lake with a low water level ideal for peaceful enjoyment. The owner has completely rehabbed the property with top-tier upgrades, including a new plumbing system, new HVAC, new hot water heater, new well pump, new pressure tank, and a new pool pump. A new roof is scheduled to be installed prior to closing, ensuring you move into a worry-free home. Interior Highlights: New stainless-steel appliances and quartz countertops in a modern kitchen with new cabinets. Brand-new bathrooms. All upgrades in 2025. Spacious laundry room with ample storage. Fresh new paint in every room. Outdoor Features: Screened-in ground pool for safe, relaxing swim time. Three outbuildings. Cute patio on lakeside. Lake views with a serene, low-water shoreline. This is a rare opportunity to own a fully updated lakefront home in the quiet community of Melrose. Don't miss this turnkey property ready for immediate enjoyment! Easy commute to Gainesville and Jacksonville.

111 2nd Street, Melrose

$242,000

2156199 MLS ⋅ 32177 Zip Code

Have you dreamed of living on the St. Johns River? This beautiful treed lot is located on a quiet dead-end paved street and features an existing dock for easy access to the water. With approximately 350 feet of river frontage, you'll enjoy stunning views and abundant wildlife. A portion of the frontage consists of protected wetlands, enhancing the natural beauty and privacy of this unique waterfront property.

102 Cedar Creek Road, Palatka

$32,000

2155739 MLS ⋅ 32148 Zip Code

Peaceful .92 Acre Wooded Homesite! Escape to the quiet beauty of North Central Florida. Surrounded by mature trees and natural Florida landscape, this property offers privacy and a peaceful setting to build your dream home or weekend retreat. Enjoy the sights and sounds of nature while still being conveniently located near local lakes, parks, shopping, and schools. Whether you're looking to build now or invest for the future, this property offers endless possibilities. No HOA. Drive by today and imagine the possibilities!

152 Long Branch Trail, Interlachen

$32,000

2155645 MLS ⋅ 32148 Zip Code

Discover your own piece of Old Florida! This beautiful 0.96-acre wooded homesite offers a peaceful setting surrounded by mature oak and pine trees. Located on a quiet country road, the property provides plenty of space to build your dream home or weekend retreat while enjoying the privacy and natural beauty of Putnam County. With nearby lakes, abundant wildlife, and easy access to Interlachen, Palatka, Gainesville, and Ocala, this property is perfect for those looking to enjoy Florida's relaxed outdoor lifestyle. Buyer should verify zoning, utilities, flood zone, and intended use with Putnam County.

131 Long Branch Trail, Interlachen

$749,000

2155157 MLS ⋅ 32177 Zip Code

Come see this rare property with over 400 feet of direct waterfrontage on the majestic St. Johns River. Build your dream home or family compound on this outstanding forested land. The lot is situated in a small historic enclave of homes that predate the formation of the Ocala National Forest . It is like travelling back through time as you drive through the forest to arrive at this enchanting location. This is a somewhat remote location but the peace and tranquility combined with the serene river views and animal life make this truly a unique place to live.

766 National Forest Road 75g Road, Palatka

$1,495,000

2155152 MLS ⋅ 32177 Zip Code

Come see this rare property with over 850 feet of direct waterfrontage on the majestic St. Johns River. Build your dream home or family compound on this outstanding 9 plus acres of forested land. The lot is situated in a small historic enclave of homes that predate the formation of the Ocala National Forest . It is like travelling back through time as you drive through the forest to arrive at this enchanting location. This is a somewhat remote location but the peace and tranquility combined with the serene river views and animal life make this truly a unique place to live.

762 National Forest Road 75g Road, Palatka

$150,000

2155090 MLS ⋅ 32193 Zip Code

Build your dream home on this cleared canal-front homesite with direct access to the St. Johns River. This ready-to-build property features a covered dock, concrete driveway, and public water and sewer already available, making it easy to begin creating your waterfront retreat. Spend your days boating, fishing, kayaking, or simply enjoying the peaceful waterfront setting from your own backyard. Located in the heart of Welaka, you'll enjoy a golf cart-friendly community, nearby waterfront parks, local dining, and convenient access to the Welaka State Forest. Whether you're planning a full-time residence, weekend getaway, or investment, this rare waterfront opportunity offers the ideal setting to enjoy the Florida lifestyle.

25 Scott Street, Welaka

$425,000

3 Beds ⋅ 3 Baths ⋅ 2154956 MLS ⋅ 32640 Zip Code

Situated on a corner lot with 3.27 beautifully wooded acres, this 2,196 sq. ft. lakefront retreat offers the perfect blend of privacy, nature, and recreation. Featuring 3 spacious bedrooms and 2.5 bathrooms, this custom home is filled with warmth and character, showcasing gorgeous wood accents, tongue-and-groove bamboo flooring, and beautiful lake views throughout. The primary suite offers a private balcony overlooking Hour Glass Lake, while nearly every room captures peaceful views of the water and surrounding landscape. Two guest bedrooms feature charming window seats with built-in storage benches. The open-concept kitchen and living area is anchored by a stunning double-sided stone fireplace that also serves the spacious bonus room, ideal as a family room, home office, playroom, or potential fourth bedroom. Relax on the expansive back deck while enjoying frequent visits from deer, wild turkeys, colorful birds, and Florida's iconic fox squirrels. Horses are welcome. Additional features include a huge two-car breezeway, workshop/storage area, convenient outdoor shower, a shed, solar panels with recent electric bills under $40 per month, and access to spring-fed Cue Lake, reserved exclusively for Cue Lake Hills residents. Enjoy the private boat ramp, pavilion, picnic area, swimming, fishing, and boating on Cue lake for only $48 per year. If you've been searching for acreage, lakefront living, access to a second recreational lake, abundant wildlife, and the peaceful Florida lifestyle, schedule your private showing today. Two Lakes. Over 3 Acres. Endless Possibilities

251 Cue Lake Drive, Hawthorne

$367,500

3 Beds ⋅ 2 Baths ⋅ 2154919 MLS ⋅ 32666 Zip Code

Don't miss your chance to own your dream home on a waterfront 1-acre lot! This stunning new construction home features 3 bedrooms, 2 bathrooms, a dedicated office, a formal dining room, and a 2-car garage, all thoughtfully designed for modern comfort and functionality. The gourmet kitchen boasts 42'' soft-close shaker cabinets and quartz countertops, perfect for entertaining after a day in the skies. Elegant tray ceilings add architectural charm throughout the home, making this property the perfect blend of luxury, space, and serene waterfront living.

251 Swan Lake Drive, Melrose

$550,000

3 Beds ⋅ 2 Baths ⋅ 2154410 MLS ⋅ 32131 Zip Code

Enjoy stunning views of the St. Johns River from most rooms in this beautifully maintained waterfront home. This lovely property offers exceptional sunset views and an ideal setting for relaxing and entertaining. The concrete block home features 3 bedrooms and 2 bathrooms and has been thoughtfully updated over the years with tile flooring throughout, upgraded windows that fill the home with natural light, and updated kitchen and bathrooms. Take in vistas from the bright Florida room, spacious dining room, and cozy den with a lovely stone fireplace. Additional features include a 2-car garage with a workshop area, a large storage shed, private dock, fenced yard, automatic generator, durable metal roof, and both public water and sewer, plus a private well for added convenience and flexibility. This property is the ideal spot to take in the fireworks over historic Palatka and have a watch party for the annual Mug Race and other events. Easy drive to St. Augustine and area beaches.

115 Sunset Point Road, East Palatka

$550,000

3 Beds ⋅ 2 Baths ⋅ 2154386 MLS ⋅ 32148 Zip Code

Experience the best of waterfront living in this beautiful home located in the sought after Twin Lakes community . Situated on 1.13 acres , this three-bedroom , two-bath residence offers 1,726 square feet of comfortable living space with plenty of room to relax and entertain . Enjoy stunning lakefront views from the screened back porch , or spend your days fishing , boating , and soaking up the outdoors with your private dock and boat ramp . The fenced yard provides ample space for pets , gardening , or family activities , while the detached two-car garage offers added convenience and storage . Whether you are looking for a full-time residence or a peaceful lakeside retreat , this property combines space , privacy , and exceptional waterfront amenities in one remarkable package .

254 Old Woods Road, Interlachen

$239,000

2 Beds ⋅ 2 Baths ⋅ 2154380 MLS ⋅ 32148 Zip Code

Violet Lake! Enjoy affordable waterfront living on one of North Central Florida's finest and most stable lakes. This well-maintained singlewide mobile home features a spacious living room, an eat-in kitchen, and a desirable split-bedroom floor plan with a full bath on each end for added privacy. Whether you're searching for a Florida lake home, a full-time residence, a weekend retreat, or an investment property, this home offers exceptional value at a time when waterfront prices continue to rise. Violet Lake is known for its stable water levels and is perfect for fishing, boating, kayaking, or simply relaxing by the water. Don't miss this opportunity to own move-in-ready waterfront property at an affordable price.

112 Violet Circle, Interlachen

$290,000

2 Beds ⋅ 2 Baths ⋅ 2154364 MLS ⋅ 32666 Zip Code

Looking for a carefree lifestyle in the peaceful Melrose area? This beautifully updated 2-bedroom, 2-bath concrete block home sits on 2 mostly cleared acres with major improvements already completed. Updates include a new HVAC system, new roof on the home (2023), new roof on the detached two-story Tudor-style garage, new appliances, well pump, water heater, porcelain tile and flooring, plumbing fixtures, and new electrical wiring throughout the detached garage. The septic was pumped and inspected in late 2023. Enjoy the large concrete patio, perfect for entertaining. The detached garage offers endless possibilities as a workshop, home office, guest space, or she shed, while the attached garage could be converted into a 3rd bedroom. A private driveway, seasonal Lake, and peaceful setting complete the property. Conveniently located about 20 miles from Gainesville and 25 miles from Palatka, with shops, restaurants, and everyday conveniences nearby.

121 Serena Circle, Melrose

$175,000

2154343 MLS ⋅ 32177 Zip Code

Discover the potential of this 1.67-acre canal-front property in scenic Palatka! Situated along a peaceful canal with easy access to the St. Johns River, this spacious parcel offers an incredible opportunity to create your own waterfront retreat. The land is fully accessible from both Palmetto Bluff Rd and Sugar Plum Rd and is .08 miles from the Palmetto Bluff Public Boat Ramp. Enjoy the tranquil surroundings, mature trees, and opportunity to design a property that fits your lifestyle -- ideal for a weekend getaway, investment, or future homesite. The 1.67-acre parcel includes 3 electrical poles and 2 wells and septic.

590 Palmetto Bluff Road, Palatka

$95,000

263184 MLS ⋅ 32193 Zip Code

Waterfront canal-front lot in the Sportsman's Harbor subdivision in Welaka, Putnam County, Florida. This 0.10-acre homesite offers direct canal frontage, making it an ideal opportunity to build a custom home or getaway retreat with private water access. The lot provides straightforward access for boating, fishing, and kayaking right from your own backyard, with the St. Johns River system nearby for wider water recreation. Located within the established Sportsman's Harbor community, the property offers a quiet, waterfront setting for buyers looking to design a home from the ground up. Bring your builder and create the canal-front property you've been searching for in Sportsman's Harbor.

179 Sportsman Dr, Welaka

$95,000

2154233 MLS ⋅ 32189 Zip Code

Waterfront canal-front lot in the Sportsman's Harbor subdivision in Welaka, Putnam County, Florida. This 0.10-acre homesite offers direct canal frontage, making it an ideal opportunity to build a custom home or getaway retreat with private water access. The lot provides straightforward access for boating, fishing, and kayaking right from your own backyard, with the St. Johns River system nearby for wider water recreation. Located within the established Sportsman's Harbor community, the property offers a quiet, waterfront setting for buyers looking to design a home from the ground up. Bring your builder and create the canal-front property you've been searching for in Sportsman's Harbor.

179 Sportsman Drive, Satsuma

$600,000

2 Beds ⋅ 2 Baths ⋅ 2154095 MLS ⋅ 32189 Zip Code

2-bedroom/2-bath home with boathouse & lift on the St. Johns River. Situated on two lots for a total of .85 acres.

325 Saratoga Drive, Satsuma

$500,000

3 Beds ⋅ 3 Baths ⋅ 2154030 MLS ⋅ 32177 Zip Code

Waterfront Pool Home with Direct Access to the St. Johns River -Dive into the Florida waterfront lifestyle you've always dreamed of! This handicap-accessible concrete block home offers 2,400 square feet of comfortable living space on a beautiful canal with direct access to the St. Johns River, Crescent Lake, Dunns Creek, and beyond. Featuring 3 BR and 2.5 BA, this high-and-dry residence welcomes you with a spacious great room, soaring vaulted ceilings, & a cozy wood-burning fireplace. The oversized kitchen is designed for both everyday living & entertaining, offering LG appliances, a breakfast bar, country sink, pantry, abundant cabinetry, & generous counter space. The primary suite provides a peaceful retreat with a large walk-in closet & an accessible en-suite bath featuring dual vanities & a walk-in shower. 2 additional bedrooms share a full bath, providing plenty of room for family & guests. Step outside & enjoy your private pool, four-carport, storage shed. Come see it now!!

134 Bowfin Drive, Palatka

$129,900

2153701 MLS ⋅ 32640 Zip Code

FINALLY AN AFFORDABLE BUILDABLE LAKEFRONT PROPERTY WITH A SMALL PARTIALLY FINISHED CABIN ALREADY IN PLACE. This 3/4 acre lot is on Greensills Lake, near Historic Melrose Florida. Even more, with this sale the seller is including two buildable lots just down the street. Greensills is a private lake known for its clarity, fishing and where wildlife surrounds you. These properties are centrally located between Gainesville, Palatka, and Ocala Florida but just as important is nearby Historic Melrose. Here in this one light town you'll find all types of activities: Art Walks, Art Studios, Music Lessons, Live Music, other Various classes taught at our popular Mossman Hall, Senior Center serving food, Doctors, Great Restaurants - even 6,000 acre Santa Fe Lake providing you even more recreational opportunities. Take a drive out here and see why so many are wanting the rural living lifestyle again especially on lakefront property here in the Lake Region of North Central Florida. Its a place you'll want to be. PS: On the front porch is a Rod and Reel. You're welcome to try your luck. NOTE: "Possible owner financing may be available"

Silver Dollar Pond Road, Hawthorne

$249,900

3 Beds ⋅ 2 Baths ⋅ 2153689 MLS ⋅ 32177 Zip Code

290 Tarpon Blvd is a meticulously maintained 3-bed, 2-bath home featuring an open-concept kitchen, dining room, living room, and bonus addition - perfect for gathering and entertaining. Enjoy true waterfront living with a bulkhead and boat lift on a deep-water canal just 300 yards from the St. Johns River, offering effortless access for boating, fishing, and water sports. Enjoy quick trips to the river, effortless docking, and the freedom to explore miles of scenic waterways. A whole-home generator with dual gas tanks ensures year-round peace of mind. A front-yard carport adds convenient covered parking, while a backyard shed provides extra storage. Tucked away in a quiet offshoot of town, yet only 15 minutes from shopping and dining, this property blends tranquility, convenience, and exceptional water access for any enthusiast.

290 Tarpon Boulevard, Palatka

$699,000

4 Beds ⋅ 3 Baths ⋅ 2153528 MLS ⋅ 32043 Zip Code

OPEN HOUSE!! Sat the 18th 10:00-12:00 Nestled on 2.46 private wooded acres with approximately 142 feet of Cedar Creek frontage, this custom-built all-brick waterfront home offers the perfect blend of comfort, craftsmanship, and outdoor living. With nearly 3,000 square feet of thoughtfully designed living space, the open floor plan is filled with natural light and showcases breathtaking water views through a wall of 8-foot glass French doors spanning the back of the home. Stained concrete floors, soaring ceilings, a wood-burning fireplace, and custom wood cabinetry create a warm yet refined atmosphere throughout. The spacious kitchen is designed for both everyday living and entertaining, featuring granite countertops, stainless steel appliances, abundant cabinetry, and a large center island for meal prep and gathering. A split-bedroom floor plan provides privacy, with the expansive primary suite offering tranquil water views, private access to the covered lanai, a spa-inspired bath wi walk-in shower and separate garden tub, and generous closet space. Upstairs, the fourth bedroom and full bath provide a flexible space for guests, a home office, or a bonus room. Step outside and experience true Florida waterfront living. Relax on the covered rear porch, entertain on the oversized patio, or head down to your private dock with covered pavilion for boating, fishing, kayaking, shrimping, or simply enjoying the peaceful surroundings. Cedar Creek offers navigable access to the St. Johns River in approximately seven minutes, making it an exceptional location for water enthusiasts. Built with quality and efficiency in mind, the home also features two HVAC systems, two water heaters, insulated interior walls for added sound reduction and energy efficiency, custom electrical with 200-amp service, an oversized side-entry garage with abundant storage, a large laundry room with custom cabinetry and utility sink, private well and septic, and the added benefit of no HOA or CDD fees. If you're searching for a private waterfront retreat where nature, recreation, and quality construction come together, this exceptional property is ready to welcome you home.

241 Pioneer Trail, Palatka

$419,000

3 Beds ⋅ 2 Baths ⋅ 2153425 MLS ⋅ 32112 Zip Code

Waterfront home on 15,000+acre Crescent Lake, considered as ''Bass Capital of the World''. This home is perfect setting for all kinds of wildlife and nature. Whether you are looking for a weekend retreat or ready to enjoy as your primary home. Enjoy the beautiful sunsets from our backyard. Great fishing and outdoor fun. Home features include outside patio great for fishing. As well as outside screen porch for entertaining. Home features 3 bedrooms with 2 baths. Inside utility room with extra storage. It also includes extra paved parking along with double garage. Another extra includes vacant lot directly across from home that could be used for additional parking or possibly a new work shop or storage. Parcel # 02-12-27-0000-0043-0000.

109 Canal Street, Crescent City

$20,000

2153344 MLS ⋅ 32177 Zip Code

Canal Front leading to the St Johns River!! Nice spot for your vacation home or your new home.

104 Bowfin Drive, Palatka

$1,700,000

8 Beds ⋅ 8 Baths ⋅ 2152882 MLS ⋅ 32189 Zip Code

Experience an Extraordinarily Unique Riverfront Estate designed for luxurious living, entertaining and multi-generational living. This expansive 1 acre plus remarkable property features two homes connected by a covered breezeway, offering over 8,000 combined sq. ft., 8 bedrooms, and 7.5 baths--ideal for extended families, corporate retreat or a Premier Vacation Rental opportunity. The custom main residence showcases Granite countertops, Beautiful Elevator, custom doors and windows, Central Vacuum, and breathtaking River Views from nearly every room, multiple fire places, 3 Car garage. Outdoor amenities rival a private resort with a Sparkling Pool, Outdoor Dining, expansive waterfront sun deck, deep-water dock, two covered boat slips, two boat lifts, and jet ski lifts. Zoned GC (General Commercial), offering additional flexibility and potential uses subject to Town of Welaka regulations. A truly rare St. Johns River retreat!

703 Front Street, Welaka

$1,299,999

5 Beds ⋅ 4 Baths ⋅ 2152826 MLS ⋅ 32131 Zip Code

Some properties sell a lifestyle. This one delivers the real thing. Tucked away on a secluded stretch of the St. Johns River, 159 Mays Cove Road sits on 1.66 acres with 136 feet of navigable riverfront. No HOA. No restrictions on boats, RVs, or trailers. Just the river, the sky, and room to live the way you actually want to. The home was built in 2024/2025, never occupied, masonry block construction engineered to Hurricane Exposure Category D -- the most stringent standard available. Impact glass throughout. 26-gauge metal roof with a 40-year warranty. Ceilings from 9'4'' to 13 feet. A 12x52 covered lanai that opens to the river. Italian quartz, an oversized carriage house with 3-bay garage below and a full 2/1 apartment above. Dock permitted to 500 feet.The floor plan opens wide to the river. The kitchen anchors the main living space with Italian quartz countertops and an island designed for people who actually cook and gather.From the master suite, the dining area, the kitchen, and multiple guest rooms, the St. Johns River is right there -- framed by cypress trees and Spanish moss, wide and quiet and unhurried. All of it opens to a 12 x 52 foot covered lanai that runs the length of the home. Sit out there long enough and you'll understand why someone built here. The primary bath is a standout -- full marble surround, walk-in shower, soaking tub, backlit mirrors, bidet. It's the one room in the home where the finishes reach out and grab you. Now -- the carriage house. This deserves its own conversation. The accessory structure at 159 Mays Cove is not an afterthought. It's a 1,080 square foot oversized three-bay garage on the ground level with epoxy floors, 50-amp RV hookup, and a 220-volt receptacle -- purpose-built for someone with toys, tools, or a serious hobby. Above it sits a fully appointed 1,080 square foot, 2-bedroom, 1-bath apartment with its own open deck. That's 2,160 square feet of accessory space alone. Rental income. Guest quarters. A place for family that has its own front door. The flexibility here is real, and it's rare. Beyond the main structures, the property includes a 12 x 14 storage shed with landing and ramp, separate concrete driveway and parking for boats and RVs, paver decks front and rear of the garage, and a front yard irrigation system already in place. The infrastructure list runs deep: 400-amp electric service with a single meter, a 4-inch free-flowing well at 100-foot depth with dual pumps and two softening systems, a 1,600-gallon septic system with large-capacity drain field, hardwired emergency generator receptacles, and a FEMA application already filed to reclassify the property to Flood Zone X -- which does not require federal flood insurance. Termite bonded. Wheelchair accessible throughout with ramped construction. FPL qualified for net metering. Whoever built this thought it through. Walk the dock and you'll understand the potential. The first 100 feet is in the water. The permit for the next 400 feet -- a full 5-foot wide, 500-foot dock -- is secured and ready. Water and electric piping are already run. What exists today is the beginning of something. A lift, a covered slip, a place to come home to by boat -- that's the next chapter, and the permit is already in hand. Some of the photos in this listing include AI-enhanced imagery to help illustrate the property's potential -- landscaping, exterior presentation, and finished dock scenarios. Each enhanced image is paired with its original photograph so you can see exactly where things stand today and where they're headed. This is not a property that needs someone to rescue it. It needs the right person to finish it -- someone who sees the river, understands what 5,210 total square feet of constructed space on 1.66 private acres actually represents, and wants to put their own mark on it. The hard work is done. The foundation, the structure, the permits, the infrastructure -- all of it is there. What's left is the part that makes it yours: the pool, the landscaping, the dock completed the way you want it, the outdoor kitchen brought to life. Twenty-five minutes from historic St. Augustine. A straightforward drive to Jacksonville. A world removed from both. $1,299,999. The river is included.

159 Mays Cove Road, East Palatka

$779,000

4 Beds ⋅ 3 Baths ⋅ 2152768 MLS ⋅ 32140 Zip Code

This turn-key, fully-furnished lakefront piece of heaven is ready for you! The inviting front porch and beautiful double doors lead you inside where downstairs you'll find plenty of living space, an open kitchen and dining area, storage space, a half bathroom, a flex room (currently used as a bedroom) and laundry room. Upstairs you will find the master bedroom with ensuite bathroom, three additional bedrooms (walk in closets with additional beds) and a second full bathroom. Both upstairs and downstairs you can enjoy 400+ sq ft of screened in living space with room for game tables, lounging spaces and outdoor eating areas. At the end of the updated dock is a fully enclosed boathouse with room for two 26 ft. boats, and a swing where you can enjoy the view. The 26ft x 50ft garage was built in 2024 and has room for all of your outdoor toys and an open air area perfect for outdoor cooking or additional covered storage. Everything you need is here - just pack your bathing suit!

234 Lake Drive, Florahome

$149,900

2152635 MLS ⋅ 32666 Zip Code

Beautiful Swan Lake. Enjoy the summer on this sand bottom lake which is great for swimming. Adjoining lot is available also for the same price. Property is high and dry and zoned R-1 for site built home. Easy commute to Gainesville or Orange Park. Located between the small picturesque towns of Melrose and Keystone Heights with plenty of shops and great restaurants without fighting traffic. Known as ''The Lake Region'' because its dotted with so many lakes, many with public access points for year round fishing and recreation.

Bumpy Road, Melrose

$149,900

2152633 MLS ⋅ 32666 Zip Code

Beautiful Swan Lake. Enjoy the summer on this sand bottom lake which is great for swimming. Adjoining lot is available also for the same price. Property is high and dry and zoned R-1 for site built home. Easy commute to Gainesville or Orange Park. Located between the small picturesque towns of Melrose and Keystone Heights with plenty of shops and great restaurants without fighting traffic. Known as ''The Lake Region'' because its dotted with so many lakes, many with public access points for year round fishing and recreation.

00 Bumpy Road, Melrose

$308,000

4 Beds ⋅ 2 Baths ⋅ 2152628 MLS ⋅ 32189 Zip Code

For Comp purposes only.

117 Fisherman Road, Satsuma

$219,900

4 Beds ⋅ 2 Baths ⋅ 2152503 MLS ⋅ 32189 Zip Code

Waterfront Opportunity on Dunn's Creek! Well-maintained 4-bedroom, 2-bath 1966 mobile home located in the highly desirable Dunn's Creek area. This home features some interior updates, an added living room for extra space and a screened porch to enjoy the peaceful waterfront setting. Situated on a large, well-kept canal with approximately 150 feet of waterfront, you'll enjoy direct access to Dunn's Creek from your own private boat ramp. Perfect for boating, fishing and waterfront living. Additional features include a detached one-car garage, two driveways, and a dedicated 200-amp service, making an ideal RV hookup or parking area. Highlights: 4 Bedrooms, 2 Bathrooms, Approx. 150' of canal frontage, Direct access to Dunn's Creek, Private boat ramp, Detached garage, Two driveways, 200-amp RV hookup, Screened porch, Never flooded. A rare opportunity to own a spacious, serene, waterfront property in one of Dunn's Creek's most sought-after locations!

115 Cleo Lane, Satsuma

$3,999,000

2152431 MLS ⋅ 32112 Zip Code

SELLER FINANCING AVAILABLE-25% MINIMUN DOWN!!! RARE 57-ACRE WATERFRONT OPPORTUNITY | SELLER READY TO MAKE A DEAL | OPPORTUNITY ZONE!!! Rare opportunity to acquire 57 acres with direct frontage on Crescent Lake and over half a mile of frontage on US-17 in Crescent City. Large waterfront tracts offering this combination of lake frontage, highway visibility, and future potential are becoming increasingly difficult to find in Florida. Located within a federally designated Opportunity Zone, the property offers city water, sewer, power, natural gas, and high-speed internet available at the property line. Conveniently situated between St. Augustine, Daytona Beach, and Orlando, with access to the St. Johns River system and the Atlantic Ocean. Ideal for investors, developers, land bankers, or anyone seeking a significant waterfront holding. Recently introduced to the market at a substantially improved price, creating an exceptional opportunity for qualified buyers.

106 Union Avenue, Crescent City

$546,000

2 Beds ⋅ 2 Baths ⋅ 2152366 MLS ⋅ 32112 Zip Code

Wake up to breathtaking sunrises from your screened porch while relaxing in your favorite porch swing overlooking beautiful Crescent Lake. Boating enthusiasts will love the covered boat dock with lift, providing easy access to Crescent Lake and the expansive St. Johns River. The entrance to Dunns Creek is just a short boat ride from the property, making it easy to explore miles of scenic waterways. An oversized covered deck attached to the boathouse creates the ultimate waterfront entertaining space--perfect for family gatherings, cookouts, watching the big game, or simply unwinding while enjoying the breathtaking lake views. Spend your days boating, fishing, jet skiing, kayaking, canoeing, paddleboarding, or simply cruising the waterways while taking in the incredible wildlife. Bald eagles, manatees, otters, egrets, and countless other native birds are frequent visitors, creating the Old Florida waterfront lifestyle you've been dreaming of. This waterfront retreat is tucked behind a private gated entrance and offers a fully fenced yard for added privacy. Three detached storage buildings provide ample storage, with one perfectly suited as a workshop. From the moment you pass through the gate, you'll discover your own private paradise. Whether you're looking for a weekend getaway, full-time residence, or an income-producing vacation rental, this hidden gem offers everything you need to enjoy life on the water. a private gated entrance and offers a fully fenced yard for added privacy. Three detached storage buildings provide ample storage, with one perfectly suited as a workshop. From the moment you pass through the gate, you'll discover your own private paradise. Whether you're looking for a weekend getaway, full-time residence, or an income-producing vacation rental, this hidden gem offers everything you need to enjoy life on the water.

316 Riviera Drive, Crescent City

$200,000

2152034 MLS ⋅ 32043 Zip Code

Riverfront property on the beautiful St. Johns River. This 1.36 acres has beautiful trees. Bring your own builder. Located in Eagle Creek Subdivision. Approximately 20 minutes from Green Cove Springs. This property is located central to travel North, South, East or West with the new toll bypass not far away that is already completed to go West and North West and in the works for Eastern completion coming soon. Not far away for Shopping and Resturants in Green Cove and Fleming Island and South into Palatka. Buyers must do own due diligence property has wetlands.

110 River Shores Road, Palatka

$519,900

3 Beds ⋅ 2 Baths ⋅ 2152032 MLS ⋅ 32139 Zip Code

Charming waterfront retreat on the beautiful St. Johns River! This 3-bedroom, 2-bath home offers 1,414 sq. ft. of comfortable living space on just over a half-acre lot with approximately 58 feet of river frontage. Inside, you'll find luxury vinyl plank flooring throughout, a cozy gas fireplace, and a functional kitchen featuring an electric wall oven, cooktop, refrigerator, and dishwasher. The screened back porch is the perfect place to relax and enjoy peaceful river views and breezes. Outdoor enthusiasts will love the private dock and boat lift, providing easy access to fishing, boating, and all the recreation the St. Johns River has to offer. Recent upgrades include the A/C, roof, dock, and bulkhead, offering added value and peace of mind. Whether you're seeking a weekend getaway, seasonal escape, or full-time waterfront residence, this riverfront gem is ready to welcome you home. lasting memories on the water, this little riverfront gem is full of charm and ready for its next chapter.

1523 County Road 309 Unit 1, Georgetown

$329,900

3 Beds ⋅ 2 Baths ⋅ 2151996 MLS ⋅ 32189 Zip Code

Welcome to this updated Homes of Merit property, offering ample space and a perfect blend of indoor and outdoor living. This 3-bedroom, 2-bathroom home boasts a beautifully renovated kitchen (2024) with custom cabinetry and stainless steel appliances, a formal living room, and a cozy den with a fireplace. Sliding glass doors lead to a spacious outdoor deck, ideal for entertaining and enjoying the waterfront lifestyle. Situated on a wide, deep water canal on Dunns Creek, this property provides direct access to Lake Crescent and the St. Johns River. Renowned for world-class bass fishing, the area also features excellent waterfront dining options. The canal-front paradise includes a boathouse with a covered boat lift that was built on January 2026, a fish-cleaning station, and a waterfront deck, offering incredible outdoor entertaining spaces. Surrounded by majestic oaks and Spanish moss, this is the ultimate retreat to relax, fish, boat, and embrace the Florida waterfront lifestyle.

153 Smith Lane, Satsuma

$196,900

3 Beds ⋅ 2 Baths ⋅ 2151992 MLS ⋅ 32189 Zip Code

Move in ready Canal front Manufactured home. Absolutely stunning landscape on this large corner lot. Florida Sago palms, camellias, fruit trees, and too many others to mention. Enjoy the access to Dunns Creek, and a beautiful boat ride to the St. Johns River. Home boast 3 beds, 2 full baths, with a split floor plan. Owner suite is large and has a soaker tub and shower combination. Total remodel in kitchen, with new dark wood cabinets with pantry, new counter tops, and beautiful back splash. New Black stainless Refrigerator, dishwasher and gas stove, top off this kitchen. Everything you need to start living or vacationing on this water get away! 2 nice size 2nd an 3rd bedrooms with a large shower hall bath. Live the outdoor life with a large covered back porch, and your own grilling and cooking shed. Step down to the deck and newer framing for a lift to be added. Steps and deck need reapairs, but are accessible with CAUTION. This home has so many possibilities to make it your own! Home is offered fully furnished, excluding owners personal belongings and art. So many things to do in Putnam and surrounding counties. Beautiful St. Augustine and Florida beaches just 30 minutes away. This wonderful community is right in the middle of most of famous Florida attractions, Airports, in Jax, Daytona, Gainesville, and Orlando, State Parks, and awsome springs. Come check this out!

101 Waterway Avenue, Satsuma

$293,500

3 Beds ⋅ 2 Baths ⋅ 2151893 MLS ⋅ 32134 Zip Code

This listing is strictly For Comp Purposes only.

23624 Ne 154th Place, Fort Mccoy

$150,000

2151818 MLS ⋅ 32148 Zip Code

Waterfront relaxation awaits on beautiful Lake Galilee! Enjoy peaceful lake views, fishing, kayaking, and the serenity of Old Florida living. This property is ready for your dream home, weekend retreat, or seasonal getaway with existing electric, private well, and septic already in place. Spend your days soaking in the tranquil surroundings and your evenings enjoying breathtaking sunsets over the water. Conveniently located with easy access to Gainesville, Palatka, and surrounding areas, this waterfront gem offers the perfect blend of nature, recreation, and relaxation. Don't miss this opportunity to own your own slice of paradise on the lake!

1499 State Road 20, Interlachen

$342,000

2 Beds ⋅ 2 Baths ⋅ 2151762 MLS ⋅ 32148 Zip Code

**For comparable purposes**

1070 State Road 20, Interlachen

$36,900

2151535 MLS ⋅ 32640 Zip Code

Beautifully wooded waterfront lot on Ox Pond featuring 47 feet of shoreline frontage on a spacious 1.2 acre homesite . Please note that according to the Seller's survey ( picture 12 ) there is an encroachment on the northern border . A rare opportunity to build your dream home while enjoying peaceful water views , mature trees and a serene natural setting . Buyers are advised to check with the county building and health departments for building requirements and regulations .

107 Laurel Drive, Hawthorne

$219,900

3 Beds ⋅ 2 Baths ⋅ 2151389 MLS ⋅ 32187 Zip Code

Affordable waterfront living is within reach! Nestled on a navigable canal with direct access to the beautiful St. Johns River, this move-in ready property offers an easy, low-maintenance lifestyle so you can spend more time enjoying everything Florida has to offer. Built in 2022, this like-new manufactured home features 3 bedrooms, 2 bathrooms, and approximately 1,040 square feet of bright, open living space. The thoughtfully designed floor plan feels welcoming and functional, with clean, well-maintained interior that's ready for immediate enjoyment. Whether you love boating, fishing, kayaking, or simply unwinding by the water, you'll appreciate the convenience and affordability of canal-front living without the upkeep of a larger property. The manageable lot size means less yard work and more time for adventure. Located near shopping, dining, medical facilities, and everyday essentials. Discover how easy--and affordable--waterfront living can be!

103 Rivershore Drive, San Mateo

$292,000

2 Beds ⋅ 2 Baths ⋅ 2151369 MLS ⋅ 32189 Zip Code

Welcome to your turnkey canal-front escape with direct access to Dunns Creek and the beautiful St. Johns River. This fully furnished Homes of Merit property is designed for effortless waterfront living, offering the perfect blend of comfort, convenience, and outdoor enjoyment. Spend your days cruising to nearby springs, visiting waterfront restaurants, or simply relaxing on the water, then come home to unwind. Property features include: *Recently renovated dock with boat slip & lift *Pontoon boat included *Fully furnished, minus a few personal items *Updated kitchen with stainless steel appliances (gas stove) *Updated flooring throughout *336 sq.ft. screened room with hot tub for year-round enjoyment (with Shark coating) *RV / Car port *Gated entry and Ring security features *Well for irrigation *Recent hookups to public water & sewer *''He shed'' and ''she shed'' for storage, hobbies, or workspace *Recently hooked up to public water & sewer *Plus so much more! *Per owner, flood insurance is not required Full list of features, conveyed items, and items not included available for your agent to share.

124 Fisherman Road, Satsuma

$898,000

4 Beds ⋅ 4 Baths ⋅ 2151232 MLS ⋅ 32131 Zip Code

Imagine pulling onto 1.63 private acres, the St. Johns River stretching wide across the back of the property and roughly 265 feet of shoreline that's yours alone. Step inside and 3,092 square feet open up around you. With four generous bedrooms and three full baths, the floor plan has a natural rhythm -- a private primary retreat at one end and room for the kids or guests to have their own wing at the other, so no one's ever tripping over each other. Out back is where life here happens. The pool invites long Florida afternoons and easy entertaining, while the river beyond sets a serene, ever-changing backdrop you'll never tire of. And there's room for everything -- a boat, an RV, a trailer, plus an oversized three-car garage with a workshop area. Privacy, acreage, and a coveted spot on the St. Johns River, all for the buyer ready to trade the subdivision for a waterfront life of their own.

157 W Grandview Drive, East Palatka

$898,000

4 Beds ⋅ 3 Baths ⋅ 262932 MLS ⋅ 32131 Zip Code

Imagine pulling onto 1.63 private acres, the St. Johns River stretching wide across the back of the property and roughly 265 feet of shoreline that's yours alone. Step inside and 3,092 square feet open up around you. With four generous bedrooms and three full baths, the floor plan has a natural rhythm -- a private primary retreat at one end and room for the kids or guests to have their own wing at the other, so no one's ever tripping over each other. Out back is where life here happens. The pool invites long Florida afternoons and easy entertaining, while the river beyond sets a serene, ever-changing backdrop you'll never tire of. And there's room for everything -- a boat, an RV, a trailer, plus an oversized three-car garage with a workshop area. Privacy, acreage, and a coveted spot on the St. Johns River, all for the buyer ready to trade the subdivision for a waterfront life of their own.

157 W Grandview Dr, East Palatka

$279,000

2 Beds ⋅ 2 Baths ⋅ 2151141 MLS ⋅ 32189 Zip Code

Welcome to waterfront living at its finest! Built in 2023 and ready for you to start enjoying waterfront living! This beautifully maintained 2-bedroom, 2-bath home offers the perfect blend of comfort, convenience, and low-maintenance living on a peaceful canal with access to Dunns Creek and the St. Johns River. Step inside to find an inviting open floor plan with soaring 9-foot ceilings, a spacious living area, and plenty of storage throughout. The screened porch provides the perfect spot for morning coffee, relaxing evenings, or enjoying the peaceful water views. Outside, the fully fenced yard features a shed with electricity, pump house, and private dock with approximately 63 feet of waterfront--perfect for fishing, boating, or simply enjoying the beauty of Florida's waterways. Whether you're looking for a year-round residence, a weekend getaway, or a place to enjoy the boating lifestyle, this newer waterfront home offers the opportunity to start living the Florida dream today!

137 Kerry Drive, Satsuma

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