Palatka Homes with Navigable Water Waterfront

Welcome to Palatka, Florida – a hidden gem nestled in the heart of Putnam County. Known for its rich history and vibrant culture, Palatka is a picturesque city that sits along the banks of the stunning St. Johns River. With its charming downtown area, lush parks, and friendly community, Palatka offers a serene lifestyle that’s perfect for anyone looking to escape the hustle and bustle of larger cities.

One of the most enticing features of Palatka is its access to navigable water. Homes with waterfront properties here provide residents with unparalleled opportunities for outdoor recreation. Imagine waking up every morning to breathtaking views of the river, where you can fish, kayak, or simply enjoy a peaceful morning coffee on your dock. The St. Johns River is one of the longest rivers in the United States, making it a prime location for boating enthusiasts and nature lovers alike.

The real estate market in Palatka is diverse, offering everything from charming historic homes to modern waterfront estates. Many of these properties boast private docks and direct access to the river, allowing you to embrace the Florida lifestyle to its fullest. Whether you are looking for a cozy retreat or a spacious family home, Palatka’s waterfront homes provide a unique blend of comfort and adventure.

With a warm climate year-round, beautiful natural landscapes, and a welcoming community, Palatka is not just a place to live; it's a place to thrive. Come explore the possibilities of waterfront living in this enchanting city!

Newest Palatka Homes with Navigable Water Waterfront

$724,900

3 Beds ⋅ 2 Baths ⋅ 2158128 MLS

Wake up to breathtaking St. Johns River views in this completely renovated, turn-key waterfront retreat--professionally redesigned by Miranda Leigh Interior Designs. This 3BR/2BA home offers 1,916 living sq ft (2,765 total under roof) of timeless coastal elegance. Enjoy open-concept living with marble countertops, luxury vinyl plank flooring throughout, a formal dining room, and a large sunroom with panoramic river views. The chef's kitchen features a marble island and stainless appliances. Built in 1992 with durable stucco construction. Two-car garage. Outside, a brand-new bulkhead, exceptional boat dock, power boat lift, upper sun deck, and lower seating area create the ultimate setting for fishing, boating, and unforgettable sunset evenings. Offered fully furnished and currently a successful vacation rental-!. River living at its finest awaits! -6,000 pound boat lift -20 Year life of roof

277 W River Road, Palatka

$749,000

2155157 MLS

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

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

$497,000

3 Beds ⋅ 3 Baths ⋅ 2154030 MLS

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

$679,000

4 Beds ⋅ 3 Baths ⋅ 2153528 MLS

OPEN HOUSE SATURDAY 9/26, 10-1PM!!! 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 (one is BRAND NEW), 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

$1,299,000

3 Beds ⋅ 2 Baths ⋅ 2149684 MLS

PRICE ENHANCEMENT! St. Johns Riverfront sanctuary is a self-contained compound, where exceptional craftsmanship, modern luxury, and the timeless beauty of Old Florida come together in one extraordinary waterfront retreat. Completely rebuilt, remodeled and expanded in 2024, this 3 bedroom/study/2 full bath stunning property offers nearly 300 feet of river frontage, creating an unparalleled setting for those seeking privacy, nature, and an authentic Florida lifestyle. Encompassing 6.2 acres and nestled among majestic trees in a peaceful, unspoiled natural setting, this rare sanctuary is brimming with wildlife, where deer, wild turkeys, and native birds are frequent visitors. It is a place where life slows down, offering the serenity and beauty of Florida as it used to be--a disappearing landscape that is becoming increasingly difficult to find. From the moment you arrive, you'll appreciate the custom circular driveway, screened-in front porch, a nd fully fenced side and rear yards with a remote-controlled electric gate leading to an additional parking area, including RV parking space and a newly built, climate-controlled 460 square foot storage building. Complete with heating, air conditioning, and a 10-foot ceiling the structure offers endless possibilities for hobbies, storage, a workshop, barn or recreational space. Inside the home, soaring 8-10 foot ceilings, vaulted ceilings, elegant crown molding, upgraded 6-inch baseboards, plantation shutters, and custom cedar-lined closet systems create a refined yet welcoming atmosphere. The chef's kitchen is a masterpiece featuring custom soft-close cabinetry with pull-out cookware drawers, organizer inserts, pull-out trash storage, granite countertops, custom granite backsplash, under-cabinet lighting, a deep stainless sink with workstation, Samsung counter-depth refrigerator, Asko low-decibel dishwasher, built-in microwave drawer, and an impressive Fulgar Italian 36-inch electric oven with six-burner gas cooktop and griddle, all complemented by a Falmec low-decibel vent hood. The thoughtfully designed laundry room includes custom cabinetry, butcher block counter top, under-cabinet lighting, a farmhouse sink, and a full-size stacked washer and dryer, blending style with everyday functionality. The oversized great room is an entertainers dream and the dining room includes an heirloom Swarovski crystal chandelier. Step outside to the expansive screened rear porch featuring a custom tongue-and-groove ceiling, 4-foot wide entry door, pet door and high-end outdoor ceiling fans, where you can relax and enjoy the peaceful sounds of nature. The fenced garden area provides the perfect space to cultivate flowers, herbs, or fresh vegetables while embracing the property's natural beauty. For waterfront enthusiasts, the newly built covered dock with seating and a jet ski lift offers direct access to the St. Johns river for boating, fishing, kayaking, or simply enjoying spectacular sunrises over the water. An outdoor shower completes the ultimate Florida lifestyle. No detail has been overlooked in the home's extensive upgrades and infrastructure improvements, including hurricane-rated energy-efficient windows and sliding glass doors, all-new electrical wiring and plumbing, a deep water well with dual pumps, water treatment and water softener systems, a Rinnai tankless water heater, a 500-gallon propane tank, a whole-house Generac generator, and a new roof for years of worry-free ownership. Security and convenience are equally impressive with a 12-camera exterior CCTV system, professionally monitored security system, exterior motion lighting, and an oversized two-car garage complete with a stainless French-door refrigerator. Located just minutes from the new First Coast Expressway, the property is positioned to benefit from future direct access to St. Johns County and I-95, making commuting to Jacksonville, historic St. Augustine, and Northeast Florida's premier destinations more convenient than ever. 140 Pioneer Trail is far more than a home--it's a private retreat where untouched nature and modern comfort exist in perfect harmony. Rarely does a property offer this level of craftsmanship, privacy, and waterfront beauty, making it a once-in-a-lifetime opportunity to own an unspoiled piece of Florida's natural heritage and a true one-of-a kind property. FLEXIBLE PURCHASE OPTION: The adjacent approximately 3.2-acre waterfront lot may be removed from the sale, resulting in a $200,000 reduction in the list price. This provides buyers the flexibility to purchase the home with or without the additional acreage.

140 Pioneer Trail, Palatka

$275,000

2 Beds ⋅ 2 Baths ⋅ 2135965 MLS

Waterfront opportunity with endless potential! This 2BR/2BA home offers approx. 1,700 sq ft on a rare 0.48-acre double lot, one of the largest on the canal, with direct access to the St. Johns River. Enjoy peaceful surroundings in a quiet neighborhood ideal for boating, fishing, and relaxing right from your backyard. The canal leads to the St. Johns River, which flows north to the Atlantic Ocean. Property features RV parking with canopy, private well and tank system, and septic, keeping utility costs low (owner pays only electricity and internet). Solid concrete block construction with a durable metal roof. Home needs cosmetic TLC including paint, flooring, and kitchen/bath updates, perfect for investors or buyers looking to customize. Spacious yard offers room to expand or store toys. Great value waterfront!

272 Harbor Drive, Palatka

$179,900

2 Beds ⋅ 1 Baths ⋅ 2135212 MLS

Rare WATERFRONT Commercial Opportunity! This unique property offers dual Commercial & Residential zoning w/ 70ft+ Water frontage on Deek Creek Canal w/ direct access to St. Johns River & from there, the Ocean! This commercial structure features a large open warehouse with a 1 car or boat Bay or garage w/ extra high ceilings making it ideal for Marine Repair, Boat Storage, Car Mechanics use etc. A concrete boat ramp provides direct water access perfect for any type of Marine or Boat related business. This property also has a 2BR/1BA ready for renovation, offering potential rental income, owner occupancy, or more office space. Flexible zoning and waterfront access create endless possibilities. Really close to Hwy 17. If it is water related, you got options.

435 W River Road, Palatka

$79,900

2076492 MLS

ST JOHNS RIVER ONLY A FEW MINUTES AWAY BY BOAT FROM THIS NAVIGABLE WATER FRONT CANAL LOT! Build you home or an escape place from the hustle & bustle of the city so you can go fishing &/0r boating on the St Johns River The lot size is 60x120 and lightly treed. Will need to place septic but this is dependent of the type, size and placement of your home. Water is public utility located at the corner of Tarpon and River Rd. Dream place It can be a mobile home, prefabricated, tiny home or new build. No HOA

248 Tarpon Boulevard, Palatka

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