Homes for sale in
Putnam County, Florida
Old Florida on the St. Johns River
174
Homes for sale
$264,950
Median list price
$220
Avg price / sqft
55
Median days on market
Putnam County is where north-central Florida slows down along the St. Johns River and a chain of quiet lakes. Towns like Palatka, Welaka, and Crescent City trade traffic and gated subdivisions for fishing docks, riverfront porches, and pine-shaded acreage, while Melrose and Hawthorne anchor the county's western edge. It's a genuinely rural, water-first corner of the state — nearly a third of the active listings are waterfront homes.
For buyers, this is one of the more affordable markets in the region. The median list price sits at $264,950 and homes have sold for a median of $229,995 over the past year, with plenty of single-family homes and options you can browse by price well under $200,000. With 178 active listings, a 51-day median time on market, and sellers netting about 95% of asking, there's room to shop carefully and negotiate.
Quick facts
12 cities & towns
$81,500 – $2.8M price range
1,456 sqft median home
$2,000/mo median rent
Leans buyer right now
Fresh on the market
Newest homes in Putnam County
View all 174 homes →
$199,900
1837 STATE ROAD 20, HAWTHORNE
3 bd · 2 ba · 1,560 sqft
$602,900
148 DENVER ROAD, CRESCENT CITY
3 bd · 2 ba · 2,040 sqft
$349,000
1520 BADEN POWELL ROAD, HAWTHORNE
3 bd · 1.5 ba · 1,232 sqft
$499,000
141 WOODS ROAD, SAN MATEO
4 bd · 3 ba · 2,356 sqft
$139,900
170 E COWPEN LAKE POINT ROAD, HAWTHORNE
2 bd · 1 ba · 672 sqft
$298,000
208 ASHLEY STREET, HAWTHORNE
3 bd · 2 ba · 1,106 sqft
$1,249,000
375 BUCK SPRINGS ROAD, PALATKA
2 bd · 1.5 ba · 564 sqft
$499,000
137 & 135 RIVERSIDE DRIVE, SATSUMA
3 bd · 2 ba · 1,239 sqft
$180,000
107 CRYSTAL LAKE DRIVE, MELROSE
2 bd · 2 ba · 826 sqft
$167,500
107 WOODLAWN ROAD, SATSUMA
3 bd · 1 ba · 1,068 sqft
$200,000
107 GREEN OAK DRIVE, MELROSE
3 bd · 2 ba · 1,512 sqft
$170,000
1918 ROSELLE AVENUE, PALATKA
2 bd · 1 ba · 1,092 sqft
171 of 174 active listings shown
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Property features
The numbers that matter
The Putnam County market
Leans buyer
8.4 months of inventory
Inventory is building — buyers have leverage and time.
274
Sold, last 12 months
$225,000
Median sold price
95%
Sale-to-list ratio
What sellers actually get vs asking
53 days
Median time to sell
Putnam County vs Florida
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▲ 18.7% yr/yr
Homes on the market
▲ 15.3% yr/yr
Homes sold per month
Live Stellar MLS data — listings and closed sales in Putnam County, FL. Rolling medians smooth single-month swings.
Pick your town
Cities in Putnam County
Hawthorne
57 homes for sale
Melrose
45 homes for sale
Palatka
29 homes for sale
Interlachen
29 homes for sale
Crescent City
22 homes for sale
Satsuma
17 homes for sale
Welaka
6 homes for sale
Georgetown
5 homes for sale
Pomona Park
4 homes for sale
Florahome
4 homes for sale
East Palatka
4 homes for sale
San Mateo
3 homes for sale
Beyond the listings
Living in Putnam County
Water Everywhere You Look
Of 178 active listings, 53 are waterfront, giving buyers real access to the St. Johns River and the county's lakes.
Affordable Entry Point
With a median list price of $264,950 and listings starting around $60,000, Putnam is priced well below most of coastal and central Florida.
Room to Negotiate
Homes sit a median of 51 days and sellers accept about 95% of asking, so patient buyers have leverage.
A Mix of Housing Types
The market spans single-family homes, manufactured and mobile homes, and a handful of condos, so budgets from starter to $1M+ are covered.
Small-Town Character
Communities like Palatka, Welaka, Interlachen, and Crescent City offer a genuinely rural, river-town pace of life.
What it really costs
Owning here
Owning the median Putnam County home
≈ $1,776/mo
$264,950 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
20%
In a FEMA flood zone
Ask about flood insurance early — it changes the payment
$2,000/mo
Median rent
1 homes for rent right now
Straight answers
Putnam County real estate FAQs
Is Putnam County a good place to live?+
It suits buyers who want an unhurried, water-oriented lifestyle over suburban polish, with the St. Johns River and a chain of lakes at the center of daily life. Towns like Welaka and Crescent City draw anglers, boaters, and people looking for acreage and quiet. If you need heavy shopping and nightlife nearby, this is more small-town than city.
Is Putnam County expensive?+
No — it's one of the more affordable markets in the region, with a median list price of $264,950 and a median sold price of $229,995 over the last year. Listings run from about $60,000 up to $2,750,000, so there's a wide range, and you can browse by price to find plenty under $200,000.
What do homes cost in Putnam County?+
The median home is around 1,467 square feet and pricing averages about $221 per square foot. Expect a median list price near $264,950, with waterfront homes and larger river properties pushing toward the $1M+ end of the market.
How is the Putnam County market right now?+
There are 178 active listings and homes are taking a median of 51 days to sell, with 280 sales closing over the past year. Sellers are getting roughly 95% of asking on average, which means buyers have some negotiating room — worth checking what's just reduced.
What are HOA fees and property taxes like?+
HOA costs are minimal here, with a median of just $7 per month since there are no gated communities and few HOA-governed developments in the county. Median property taxes run about $1,942 a year, keeping ongoing ownership costs low.
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Nearby counties
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS. Market statistics are computed from listing and sold data and change as the market moves.
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