Putnam County Homes under $1 million

Putnam County Homes under $1 million

Welcome to Putnam County, Florida, a hidden gem nestled in the heart of the Sunshine State! Known for its stunning natural beauty, this region is characterized by picturesque lakes, lush greenery, and a warm, welcoming community. Whether you’re an outdoor enthusiast looking to explore the many parks and waterways or someone seeking a tranquil retreat from the hustle and bustle of city life, Putnam County offers a little something for everyone.

One of the most appealing features of Putnam County is its diverse range of homes available for under $1 million. From charming bungalows to spacious family homes, you’ll find properties that cater to various tastes and lifestyles. Many of these residences boast beautiful views of the lakes or are situated in serene neighborhoods, providing the perfect backdrop for your next chapter.

The real estate market in Putnam County is thriving, making it an ideal time to invest in your dream home. With options that include modern amenities and classic designs, you can find a home that not only fits your budget but also meets your needs. The friendly atmosphere and strong sense of community are just a few of the reasons why so many families and individuals are choosing to call Putnam County home.

With its affordable housing options, stunning landscapes, and a community-oriented lifestyle, Putnam County is truly a place where you can live, thrive, and create lasting memories. Come explore the opportunities that await you in this beautiful part of Florida!

Newest Putnam County Homes under $1 million

509 Bronson Street, Palatka
$229,900
4 Beds ⋅ 2 Baths ⋅ GC544801 MLS
Historic Charm. Modern Comfort. A Lifestyle Worth Discovering. This beautifully restored 1916 home offers the perfect balance of timeless character, modern updates, and ideal location just outside of Palatka's Historic District and scenic riverfront. This inviting 4-bed, 2-bath home boasts recently updated flooring, plantation shutters, modern cabinetry, a new metal roof and AC in 2023 and a tankless gas water heater added in 2024. The flexible layout adapts to families, remote professionals, and guests, while the spacious backyard and 10x20 storage building provide room to entertain, garden, or expand with future projects. Walk or bike to Riverfront Park, downtown shops, restaurants, breweries, festivals, and the St. Johns River. With easy access to Jacksonville, St. Augustine, Gainesville, Daytona Beach, and Ocala, this property offers historic neighborhood living enriched by nature, community, convenience, and the outdoor lifestyle Palatka is known for.

509 Bronson Street, Palatka
106 3rd Street, Melrose
$52,000
3 Beds ⋅ 2 Baths ⋅ GC544705 MLS
MELROSE LAND OPPORTUNITY! Bring your vision to approximately 1.02 acres in the beautiful Melrose area of North Central Florida! Enjoy the charm of this peaceful area with convenient access to the Lake Santa Fe area and its outdoor recreation, including boating, fishing, kayaking, and waterfront activities. Whether you're looking for a property to explore for its land value or envisioning future possibilities, this parcel offers an opportunity to make it your own. The property includes a 1988 double-wide manufactured home and a workshop. IMPORTANT SAFETY NOTICE: DO NOT ENTER THE MANUFACTURED HOME OR THE WORKSHOP UNDER ANY CIRCUMSTANCES. BOTH STRUCTURES ARE OFF-LIMITS DUE TO THEIR EXTREMELY POOR CONDITION AND POTENTIAL SAFETY HAZARDS. EXTERIOR VIEWING ONLY. The property's value is primarily in the land. An existing well and septic system are noted in the appraisal; however, their current condition and functionality have not been verified. Central HVAC has been removed, and utilities were not functioning at the time of the appraisal inspection. Property is being sold AS-IS. Seller will not make repairs or perform a cleanout. Buyer will be responsible for removal and disposal of any remaining personal property, debris, and trash. Buyers are encouraged to conduct their own due diligence regarding zoning, utilities, well and septic condition, and intended use.

106 3rd Street, Melrose
118 Acacia Street, Crescent City
$410,000
4 Beds ⋅ 2 Baths ⋅ FC322656 MLS
Virtually Staged. RARE LAKEFRONT ACREAGE — 14.63 ACRES ON LAKE ACACIA! Properties like this almost never come along: nearly 15 wooded, private acres with direct frontage on Lake Acacia, your own dock, a walking trail through the trees, and a small campground area already in place. A quiet road in Crescent City leads you home to 14.63 acres of lakefront Florida — mornings on the dock with coffee in hand, peaceful evenings under the trees, and plenty of space to relax, unwind, and enjoy the beauty of nature. The 4-bedroom, 2-bath manufactured home (1,456 sq ft, built 2004) gives you a comfortable place to land while you enjoy the land — or build your future home and keep this one for guests. Agricultural zoning opens the door to animals, gardens, a workshop, extra structures, and more — bring the horses, the RV, the boat, and the toys. Private well and septic mean no city water or sewer bills. Whether you're looking for a private homestead, a family compound, a recreational retreat, or a long-term land investment, this property delivers space, water, and freedom in equal measure. Minutes to downtown Crescent City and US-17, with an easy drive to St. Augustine, Palm Coast, and the St. Johns River. Come walk the trail, stand on the dock, and feel what 14.63 acres of lakefront Florida is really like. Properties with this much usable lakefront land are getting harder to find — don't miss this one!

118 Acacia Street, Crescent City
179 River Ridge Place, Welaka
$244,900
3 Beds ⋅ 2 Baths ⋅ GC544773 MLS
Nestled in the newly completed River Hill subdivision, 179 River Ridge Pl offers modern comfort in a quiet Welaka setting. Built in 2021, this 3 bedroom, 2 bath home features an inviting layout and a spacious, fully fenced backyard ideal for pets, outdoor living, gardening, and weekend gatherings. Inside, you will find modern finishes, efficient design, and the ease of low maintenance that comes with newer construction. Welaka is known for its peaceful small town charm, friendly community atmosphere, and access to the St. Johns River, making it a favorite for boating, fishing, and nature lovers. Residents enjoy low traffic, affordable living, scenic parks, nearby marinas, local eateries, and year round outdoor recreation. This move in ready home blends the benefits of a new build with the laid back lifestyle that makes Welaka one of Putnam County's most enjoyable riverfront towns.

179 River Ridge Place, Welaka
3429 Balsam Street, Palatka
$179,900
2 Beds ⋅ 2 Baths ⋅ GC544771 MLS
!!Back On Market (at no fault of the Seller/Property). Discover the welcoming charm of 3429 Balsam St, a beautifully updated 3-bed, 2-bath manufactured home offering comfort, space, and versatility. Step inside to an open layout enhanced by recent upgrades, including a new A/C and Water Heater within the past two years, Electrical improvements, and a durable metal roof approx 15 years old. Enjoy outdoor living on the 160sqft screened front porch or the expansive 324sqft back deck overlooking the fully fenced .31-acre yard with dog kennels and chicken coops. A converted shed adds incredible value as a separate 1-bed, 1-bath apartment with its own septic system and a tenant who wishes to stay; affording you the opportunity to allow your tenant to pay most of your mortgage for you!!! A recent 4-Point Inspection Report is available. Located in a quiet part of town, yet just minutes from everything that town has to offer, this inviting property is ready to welcome its next owner.

3429 Balsam Street, Palatka
118 Darby Drive, Palatka
$595,000
3 Beds ⋅ 2 Baths ⋅ GC544769 MLS
Seller offering a temporary interest rate buydown, allowing qualified buyers to enjoy rates as low as 5.5% in year one and 6.5% in year two! Discover Old Florida homestead living on 24.59 fenced acres with this beautifully remodeled 3BR/2BA block home. Features include new LVP flooring, an updated kitchen with all-plywood soft-close cabinets, mature fruit trees, a vegetable garden, 4 cattle stalls, a chicken coop, two wells, and two separate access points. Relax on the covered brick patio and potting shed while enjoying the privacy and possibilities of country living. A rare opportunity to own a move-in-ready homestead, mini-farm, or private retreat just outside Palatka. Buyer qualification and lender approval required for rate buydown program.

118 Darby Drive, Palatka
108 Pine Lake Drive, Satsuma
$199,900
3 Beds ⋅ 2 Baths ⋅ FC322668 MLS
WISH I WERE BACK AT THE BAYOU! Experience relaxed Florida living at 108 Pine Lake Drive in the Bayou Club 18+ Community, where days by the pool, boating adventures, and clubhouse gatherings are all part of the appeal! Enjoy an impressive lineup of amenities, including a community swimming pool, clubhouse, boat dock, boat launch, and boat slips, plus convenient RV/boat storage and trash service. With HOA fees of approximately $75 monthly, Bayou Club makes it easy to enjoy more of the lifestyle you love. Beautifully renovated and move-in ready, this 3-bedroom, 2-bath home features a completely renovated kitchen, updated bathrooms, new flooring throughout, and fresh interior paint. A brand-new 2026 A/C system with heat pump and a new water heater add comfort and value. Relax on your covered balcony, appreciate the convenience of covered carport parking, and spread out in the spacious attached, fully enclosed workshop/storage area with electricity—ideal for hobbies, projects, tools, or extra storage. An updated home, outstanding amenities, and the Bayou lifestyle—come see why you’ll wish you were back at the Bayou!

108 Pine Lake Drive, Satsuma
1963 State Road 20, Hawthorne
$130,000
3 Beds ⋅ 2 Baths ⋅ GC544676 MLS
INVESTOR SPECIAL! 2.42 ACRES OF LAKEFRONT PROPERTY! Discover the potential of this waterfront property conveniently located along the newly improved State Road 20 in Hawthorne, Florida! Situated on approximately 2.42 acres, this property features an existing 3-bedroom, 2-bathroom double-wide manufactured home offering 1,080 square feet of living space. The home needs TLC but presents an opportunity for investors or buyers looking for a renovation project. Alternatively, take advantage of the acreage and lake frontage to explore the possibility of building your dream home! With convenient access to Gainesville and Palatka, this property offers a combination of location, space, and potential. Whether you’re looking for your next investment project or a place to create your own lakefront retreat, this property is worth exploring! Sold AS-IS.

1963 State Road 20, Hawthorne
103 Beacon Street, Interlachen
$599,900
9 Beds ⋅ 6 Baths ⋅ GC544722 MLS
Blue Sky Manor is a rare chance to bring the whole family together on 7.95 acres on Lake Lagonda. Built in 1894, this stately home keeps its historic character with updated electrical, HVAC, and plumbing. With 7 finished bedrooms and 6 full baths - plus 2 more bedrooms, 2 baths, and an accessory dwelling awaiting completion - there is room for parents, grandparents, children, and guests to share one property while each keeps a private space. Majestic oaks shade the grounds, front and rear porches invite slow mornings, and two private balconies overlook the lake. The home operated as a bed and breakfast and event venue in the past, giving the next owner the opportunity to apply for permits to do so again. Take the 3D virtual tour! Whether you're drawn to its rich history, its hospitality potential, or its lakeside tranquility, this estate is a rare and remarkable opportunity!

103 Beacon Street, Interlachen
105 Comanchee Street, Satsuma
$175,000
3 Beds ⋅ 2 Baths ⋅ S5161036 MLS
Virtually Staged. Come See This Charming Little Home! Peaceful, quiet living awaits you in this charming home situated on a spacious .26-acre lot! Enjoy the extra room and convenience of having space to park your boat or RV right at your fingertips. This home has already had some remodeling completed and is move-in ready! Featuring 3 bedrooms, 2 bathrooms, a cozy sitting room, and a separate family room with a fireplace, there is plenty of space to relax and enjoy. The kitchen offers a separate dining area, perfect for family meals and entertaining. The spacious primary bathroom features two separate sink areas, providing plenty of counter space, along with a separate shower and a large garden tub for soaking and unwinding. Step outside and enjoy the peaceful surroundings from the screened-in back porch, the perfect spot to sit back, relax, and enjoy the quiet. The windows are also equipped with sunshades to help block the Florida heat while keeping your home cool and comfortable. Owner Financing available.

105 Comanchee Street, Satsuma
150 Rivershore Drive, San Mateo
$550,000
3 Beds ⋅ 2 Baths ⋅ O6455717 MLS
Virtually Staged. **St. Johns River Property with Room to Make It Your Own** Enjoy a riverfront setting with wide views of the St. Johns River and plenty of possibilities. This three-bedroom, two-bath mobile home features a large added patio for relaxing or entertaining, plus a separate carport and garage for covered parking, storage, or hobbies. A dock and small boat launch provide a way to enjoy time on the water. With open outdoor space and a flexible setup, this property offers an opportunity to create a full-time home or a weekend retreat along the river. Bring your vision and explore the potential.

150 Rivershore Drive, San Mateo
115 Chapel Lane, Hawthorne
$320,000
3 Beds ⋅ 2 Baths ⋅ TB8565494 MLS
Completely remodeled 3 bed, 2 bath home on 2.5 private acres zoned Agricultural in Hawthorne! Everything is brand new inside, so you get the feel of a new home with the space and freedom of country living. 1,566 sq ft of comfortable living space with a functional layout and fresh, modern finishes throughout. Plenty of room for horses, animals, a garden, a workshop, or simply space to breathe. No HOA and not in a flood zone. Tucked away on a quiet lane with only three homes for added privacy. Conveniently located between Gainesville and Ocala with easy access to State Road 20. Move-in ready. Schedule your private showing today!

115 Chapel Lane, Hawthorne
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