Putnam County

Affordable Florida living surrounded by nature.

See the Area

Putnam County is known for its natural beauty, affordable housing, and welcoming small-town communities. With access to lakes, rivers, and outdoor recreation, the area appeals to families, retirees, and buyers seeking more land and space. Residents enjoy a slower pace of life while remaining connected to larger Florida markets.

Find Your Place

Explore affordable homes, waterfront properties, and acreage opportunities throughout Putnam County.

There are properties, and then there are places that feel like they were always meant to exist —rooted in the land, shaped by the river, built for a life lived slowly and well. This is one of those places.Situated on 20.2± acres of unspoiled North Florida terrain across two contiguous parcels, this extraordinary riverfront compound commands 423 linear feet of St. Johns River frontage — one of the most coveted stretches of private waterway in the state. The grounds unfold with quiet intention: a working barn anchors the back acreage, mature hardwoods and native landscape frame the approach, and beyond the compound, the land remains beautifully undeveloped.Designed by HAASE DESIGN of Melrose, FL — an award-winning, father-and-son studio with a signature reverence for Old Florida vernacular — and brought to life by Olson Construction, the main house spans approximately 5,500 square feet of ICF-constructed, timber-truss, vaulted-ceiling living space across an open, airy floor plan with 3 bedrooms and 2.5 baths. Two guest cottages, each offering 3 bedrooms and 2 baths, complete the compound. All three structures are seamlessly connected by roofed, screened breezeways — no steps, no interruptions, just a fluid flow between indoor and outdoor living.The porches and outdoor spaces are where this estate truly breathes. Morning coffee in the screened breezeway. Afternoon shadows crossing the grounds. And then the river — always the river — drawing you toward the two-story permitted dock with boat lift and 360-square-foot sundeck, where world-class St. Johns River bass fishing awaits and sunsets arrive like slow paintings across the water.Aerial views reveal what photographs cannot fully capture: the scale of the riverfront, the sweep of the acreage, and the harmony of a compound that feels both grand and deeply personal.

$2,750,000 Active

San Mateo, Florida

9 Beds 7 Baths 5,500 SqFt 9 Acres

Scenic 70+ Acre Farmstead with Private Home & Agricultural Opportunity Welcome to your own slice of Old Florida paradise! This stunning 70+acre farm offers an idyllic rural lifestyle, surrounded by majestic Oak trees and lush green pastures lining both sides of the private driveway. These timeless Oaks not only provide scenic beauty but also provide cooling shade for your horses, cattle, or other farm animals during hot summer days. The back of the property transitions into a more wooded landscape, interspersed with open clearings and low-lying areas that hold water seasonally - ideal for wildlife, small ponds, or natural habitat preservation. It's a perfect setting for trail rides, nature walks, or simply enjoying the peace and quiet of country life. Private & Solidly Built Tucked away in the heard of the property, the concrete block home with coquina stucco overlay offers both privacy and durability. With a spacious 3-bedroom, 2-bathroom layout spanning 1,920 sq ft, this split bedroom plan provides a comfortable and functional living space:-Large master suite with two walk-in closets and private bath-Two additional bedrooms, each with walk-in closets, one with private access to the guest bath-Open great room with brick wood-burning fireplace, perfect for cozy nights-Dining area adjacent to the kitchen - French doors provide easy access to a screened-in back porch-Covered front porch offering peaceful views of the pastures-Built-in attic fan to pull in fresh air on breezy daysLand Use & LocationThis property is zoned agricultural, allowing for a wide range of uses, from farming and livestock to equestrian and homesteading lifestyles. Additionally, it carries a Future Land Use (FLU) designation of Urban Reserve (UR), providing potential for future subdivision and development. Convenient LocationDespite its peaceful, rural feel, the farm is ideally situated just a short drive from key outdoor and recreational destinations:-St. Johns River boat ramp in downtown PalatkaOcklawaha River, Salt Springs, Silver Springs- Multiple State Parks and public lands for hiking, hunting or riding.Bring your tractors, trailers, and toys - there's ample space for equipment, barns or even additional outbuildings. This hidden gem is more than just a home - it's a lifestyle of freedom, space and possibility. Whether you're looking to farm, invest, develop, or simply retreat into nature, this property offers endless potential. Schedule your private tour today and experience the beauty of Old Florida living.

$1,399,900 Active

1360 S State Road 19 Palatka, Florida

3 Beds 2 Baths 1,920 SqFt 70.66 Acres

Experience the perfect blend of waterfront luxury & income potential in this unique Key West Inspired luxury custom home. The primary residence boasts 2BD/2BA, & features open-concept living w/ sun-drenched windows, hardwood floors & 10-foot ceilings. A 2-sided see-through gas fireplace anchors the main living space, offering warmth & elegance, a large chef’s dream kitchen w/ plenty of storage, granite countertops, KraftMaid cabinetry, double ovens, soft-close drawers & doors. Finish your day of boating & fishing w/ a therapeutic bath in the oversized jetted tub paired w/ a fireplace. The Primary en-suite features an oversized walk-in shower, heated towel rack, & custom vanities. Please see Features & Benefits sheet under the documents page.Versatile Second Unit: On the lower level, a separate, fully contained & equipped, 1BD/1BA apartment w/ its own luxury kitchen w/ premium cabinetry & quartz countertops, full bathroom & a large bedroom. The private entrance makes this a perfect space for extended family, extra rental income or even a home office. Carefully designed & impeccably constructed, this residence exudes sophistication, strength, & style. 3,006 sqft of living space, plus 536 sqft of unfinished a/c attic, this 3-bedroom, 3-bathroom home showcases ICF (Insulated Concrete Form) construction, steel-reinforced & concrete-filled for unmatched durability, energy efficiency, & peace of mind.Property Highlights:• Solid ICF (Insulated Concrete Form) construction with steel-reinforced, concrete-filled walls• One owner; original blueprints available• Versatile lower-level second unit with 1 bedroom and 1 bathroom• 8-foot solid wood and steel interior doors• ¾-inch rich cherry hardwood flooring• Granite countertops in the main kitchen• Soft-close cabinetry in both kitchens• Tall 8-inch baseboards & custom wood crown molding • Bullnose drywall corners• Abundant natural light • Elevator shaft (currently dual pantries), pre-plumbed & ready for an 8-foot elevator• Climate-controlled hurricane/panic room for safety & secure storage• Climate-controlled attic space (approx. 11' x 40')• Climate-controlled garage/workshop• Boat shed on dock plus large dockside storage shed• Additional plastic garden shedOutdoor living is equally captivating. Enjoy your morning coffee on the wraparound porch w/ water views of spring-fed Lake Saranac, the St. Johns River, & the neighborhood Harbor, while listening to the tranquil sounds of the waterfall. Depart from your private dock,w/ a 12,000-lb elevator boat lift & enjoy endless days of fishing the St. Johns River, hanging out at the sandbars or a day of swimming in the clear waters of Salt Springs & Silver Glen. The Seller is open to sell the additional waterfront lot across Gibbs Road, offering a rare opportunity to expand your waterfront lifestyle or investment potential. The lot fronts spring-fed Lake Saranac, which flows directly into the St. Johns River. The parcel measures approximately 154’ x 57’ with approximately 45 feet of frontage on Lake Saranac, making it ideal for a separate residence for in-laws or extended family, a guest cottage, or an additional income-producing home, subject to applicable zoning and permitting. Nestled w/in a desirable, quiet waterfront neighborhood, w/ newly paved roads, this home radiates tranquility and understated luxury, the perfect blend of craftsmanship, comfort. It is a rare opportunity to own a home built for a lifetime.

$1,250,000 Active

301 Saratoga Drive Satsuma, Florida

3 Beds 3 Baths 3,006 SqFt 0.36 Acres

Escape to a fully outfitted hunting camp bordering state land, offering privacy, easy access, and game management already done for you. Tucked in North Central Florida within reach of Palatka, Gainesville, Jacksonville, and St. Augustine, this property blends true off-grid convenience with serious hunting infrastructure, making it just as suited to a weekend retreat as to a dedicated hunting operation. The camp is anchored by a small 2-bedroom, 1.5-bathroom lodge alongside a separate metal building, both powered by the property's solar array, giving you comfortable, self-sufficient shelter for overnight stays plus dedicated storage and workspace without dependence on the grid. The solar power keeps lights, appliances, and gear charged and ready between trips, so arriving at camp feels no different than flipping a switch at home. A gated entrance provides controlled access and privacy, keeping the property secure when no one is on site, while an established network of interior roads reaches every corner of the property by truck or ATV. That road system means checking stands, refilling feeders, hauling out game, or moving equipment around camp is simple rather than a battle with the terrain. Hunters will appreciate the work that has already gone into this property. Multiple cleared food plots throughout, each paired with box stands positioned over the openings to take advantage of natural travel corridors. Feeders are already in place and running, so there is no scramble to set up before the season starts. A small seasonal creek also runs through the property, adding another natural water source that draws wildlife through the cleared areas and stands. The land has been strictly managed, meaning the game populations here reflect real, ongoing stewardship rather than incidental pressure. Deer, turkey, and hogs are all present in strong numbers, giving hunters a genuine variety of pursuits across the calendar, from spring turkey season through fall and winter deer and hog activity. Bordering state land along the entire north side is a rare and valuable feature, extending the property's usable habitat and travel corridors well beyond its own boundary while helping buffer the land from future development and preserve its character for years to come. The location adds real convenience to the package as well. Sitting close to Palatka and within a manageable drive of Gainesville, Jacksonville, and St. Augustine, the camp is easy to reach for weekend trips while still feeling private and secluded once you are through the gate. Supply runs, fuel, and equipment are never far away, but the camp itself stays quiet, gated, and undisturbed between visits. Whether the goal is a turnkey camp ready to hunt this season without lifting a finger, a private outdoor retreat for weekends away, or a well-managed tract to build on for the long term, this property delivers infrastructure, access, and game numbers that are hard to find already in place. Camps with this level of readiness, this location, and this kind of public-land border do not come along often.

$1,249,000 Active

375 Buck Springs Road Palatka, Florida

2 Beds 2 Baths 564 SqFt 120.9 Acres

Virtually Staged. This exceptional 43+ acre lakefront estate on Lake Mason offers a rare opportunity to own a private North Florida retreat surrounded by natural beauty. With extensive shoreline along the lake, the property provides an ideal setting for boating, swimming, fishing, and year-round outdoor recreation while enjoying peaceful water views.The home is designed to capture the landscape with soaring cathedral ceilings and dramatic three-story windows that bring in abundant natural light and frame the lake and forest beyond. The spacious layout includes five bedrooms and three bathrooms, with a bathroom conveniently located on each level.The open kitchen and living area create a welcoming central gathering space and flow directly to large first- and second-floor decks overlooking the lake, offering excellent outdoor living areas for relaxing, entertaining, and taking in the surrounding scenery. A beautiful built-in fireplace provides warmth and character during cooler months, while the private dock allows easy access for boating, jet skis, and other water activities.The land itself is truly distinctive. Much of the acreage consists of native longleaf pine forest, one of the Southeast’s most important and increasingly rare ecosystems. Longleaf pine forests once dominated the southeastern coastal plain but now remain only in limited areas due to development and historic harvesting. These forests support a unique ecological community and provide valuable habitat for native wildlife.The property’s healthy forest canopy and proximity to the lake create excellent conditions for wildlife and native plants. Sightings may include bald eagles, sandhill cranes, fox squirrels, gopher tortoises, and other native species, making the land particularly appealing for outdoor recreation, hunting, birdwatching, and nature observation.Recent improvements include new Hardie board siding, a rebuilt composite deck, updated deck handrails, new Andersen windows in the bedrooms and kitchen, new kitchen appliances, and a refurbished and extended dock, enhancing both comfort and functionality.The property has been actively stewarded through responsible forest management practices and participation in agricultural and conservation efforts that support the longleaf ecosystem. Professional forestry management and controlled burns have helped maintain the health of the forest while reducing wildfire risk and encouraging native plant growth.Located just minutes from Melrose and Keystone Heights, and within an easy commute to Gainesville and the University of Florida, the property offers a rare balance of privacy, natural surroundings, and convenient access to nearby communities.This unique lakefront property combines acreage, water access, and a rare native forest ecosystem, creating exceptional possibilities for recreation, retreat, or private estate living.

$1,097,000 Active

123 Mason Lake Trail Hawthorne, Florida

5 Beds 3 Baths 2,563 SqFt 43.51 Acres

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.

$898,000 Active

157 W Grandview Drive East Palatka, Florida

4 Beds 4 Baths 2,708 SqFt 1.63 Acres

Main attractions

Know the best places to visit and have a blast in this area

St. Johns River

One of Florida's most iconic waterways for boating and fishing.

Ravine Gardens State Park

Historic gardens with scenic trails and natural beauty.

Crescent Lake

A favorite destination for fishing, boating, and waterfront living.

Downtown Palatka

Local shops, restaurants, and community events throughout the year.