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The Complete Guide · 2026
Georgetown
The quiet gateway to Lake George — Florida's second-largest lake — where the St. Johns River widens into premier bass water and fish-camp country.
The quiet gateway to Lake George — Florida's second-largest lake — where the St. Johns River widens into premier bass water and fish-camp country.
Price and demographic figures are 2026 estimates compiled from public sources and shift with the market; small-town numbers move fast. Ask us for today's exact figures and live listings in Georgetown.
Georgetown is the gateway to Lake George — at roughly 46,000 acres, Florida's second-largest lake — strung along CR-309 on the east bank of the St. Johns River where it widens into the lake. This is a quiet, water-defined community of marinas, fish camps, river landings, and retirement and vacation homes, built for people who organize their lives around boating and bass fishing.
It's small and unhurried, with the oldest median age in the county and a strong retiree-and-second-home character. Anchored by the full-service Georgetown Marina and looking across the water to ferry-access Drayton Island, Georgetown trades convenience for something rarer: direct access to one of the state's great fishing lakes, at prices well below the coast.
Georgetown has always been about the water. Sitting where the St. Johns River opens into Lake George, it became a natural base for anglers and boaters, and the marinas and fish camps that grew up here — like the Georgetown Marina, Lodge & RV Park — remain the center of community life, offering launches, fuel, bait, cabins, and dockage.
Across the lake lies Drayton Island, a large, ferry-access island with substantial waterfront acreage, and beyond the western shore is the Ocala National Forest. That setting — big water, big sky, protected wild land — is the whole appeal. Georgetown isn't where you go for services; it's where you go for the lake.
Georgetown's market is tiny — sometimes just a sale or two a month — so all figures are noisy estimates. The realistic 2026 working range is about $170,000–$300,000, with non-waterfront and manufactured homes lower (~$143K–$170K) and lakefront/riverfront starting around $310K and climbing well above. Lean on comparable sales, not headline medians, here.
| County | Typical home value | What that means |
|---|---|---|
| Putnam (Georgetown) | ~$170K–$300K | The affordable river-and-lake market — your dollar buys the most here |
| Clay County | ~$337,000 | Suburban Jacksonville pricing |
| St. Johns County | ~$493,000 | Coastal / top-schools premium |
County-average home values, 2026 estimates. Within Georgetown, a waterfront or acreage property and a modest inland home can be worlds apart in price.
Georgetown is defined by water access. Here's how the market breaks down.
Direct frontage with deep-water docks and lake access — the premium tier, prized for fishing and boating. Flood zone, seawall, and dock condition get a hard look.
A water-access community with a shared boat ramp and dock to Lake George and the St. Johns — and a notably low HOA. A practical way to get on the water without buying direct frontage.
Large, ferry-access island parcels with long stretches of waterfront — for buyers who want true seclusion. We dig into access, utilities, and logistics carefully here.
The affordable end — non-waterfront and manufactured homes, popular with retirees and seasonal owners who launch at the marina.
Georgetown is deep-southern Putnam — remote and quiet, with Crescent City the nearest hub for schools and shopping.
Georgetown homes are in the Putnam County School District, served by the Crescent City–area schools. Every county school earned a C or higher for 2024–25. Given the rural distances, we confirm the exact zone and bus situation for a specific address.
Georgetown's economy is small and recreation-based — marinas, fish camps, and the spending of retirees and second-home owners. Services are limited; the lake is the point.
This is the part that protects you — the local details a listing photo never shows.
Every town has its quirks, and we'd rather you hear them from us up front than discover them after closing. Here's the honest local read on buying in Georgetown.
Each Putnam town trades something different. Here's how Georgetown fits.
| Town | Best for | How it compares |
|---|---|---|
| Georgetown | Lake George waterfront | The quiet gateway to Florida's 2nd-largest lake |
| Welaka | River town & hatchery | More services and marinas, an incorporated river town just north |
| Pomona Park | Crescent Lake side | Lakefront living on the Crescent Lake side, closer to US-17 |
| Crescent City | Bass Capital & downtown | The area hub for shopping, schools, and festivals |
Want the full picture on any of these? Each has its own guide in our Putnam County guide.
Georgetown's market is very small — often just a sale or two a month — so figures are noisy. The realistic 2026 working range is about $170,000–$300,000: non-waterfront and manufactured homes lower (~$143K–$170K), lakefront and riverfront starting around $310,000 and climbing well above. We rely on actual comparable sales here, not headline medians, and we'll pull them for you.
Lake George is Florida's second-largest lake at roughly 46,000 acres, and it's a premier largemouth bass fishery that hosts tournaments and draws anglers year-round, peaking in late winter and spring. Georgetown is its gateway — you can launch at the marina and be on big, open water in minutes. For serious fishing and boating, few addresses in the state beat it.
It's quiet and rural — that's the appeal, but it's worth being honest about. Crescent City (about 20 minutes) is the nearest hub for groceries, schools, and services, and Palatka is 30–35 minutes. If you want big-water access, seclusion, and a slower pace, Georgetown delivers; if you need amenities at your doorstep, we'll point you to a more central town.
Paradise Lakes is a water-access community in Georgetown with a shared community boat ramp and dock to Lake George and the St. Johns, and a notably low HOA. It's a practical, more affordable way to get reliable lake access without buying direct waterfront frontage. We can show you what's available and how the community access works.
Generally yes — Lake George and St. Johns frontage sits in FEMA flood zones, and a meaningful share of the area carries elevated flood risk, so flood insurance and elevated construction are part of the picture (wildfire risk near the Ocala forest is also worth noting). We verify each parcel's flood zone and get you real insurance numbers before you commit.
A thin, waterfront, somewhat-remote market is exactly where local guidance pays off — real comps instead of noisy medians, honest flood and dock assessments, and a clear-eyed take on the remoteness trade-off. We're a local family team who knows Lake George country, with no pressure. Call (386) 530-1737.
Georgetown anchors the Lake George end of Putnam's river country — just south of Welaka's marinas and hatchery, across the water from Drayton Island and the Ocala National Forest, and about 20 minutes from Crescent City's shops and schools.
Explore the full Putnam County guide →Tell us what you're looking for — first home, waterfront, farm, or acreage — and we'll send the right listings and the honest local read.
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