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Putnam County HOAs (FL) · HOA Stories

Florida · County

HOAs in Putnam County

Every association we track in Putnam County, Florida — with homeowner reviews and ratings.

Associations in Putnam County

48 associations

Ashley Lake Plantation Property Owners' Association, Inc.

Melrose, FL

Bakersfield Community Association, Inc.

Keystone Heights, FL

Beverly's Crossing Homeowner's Association, Inc.

Palatka, FL

Blair Estates Homeowners Association, Inc.

Palatka, FL

Bostwick Community Association, Inc.

Palatka, FL

Brookhavens of Palatka Homeowners Association, Inc.

Palatka, FL

Char-Lar Civic Association, Inc.

Crescent City, FL

Clay Shores Civic Association, Inc.

Keystone Heights, FL

Crescent City Women's Civic Association, Inc.

Crescent City, FL

Crescent Development Lot Owners Association, Inc.

Crescent City, FL

Crescent Oaks Property Owners Association, Inc.

Crescent City, FL

Cue Lake Hills Property Owners' Association, Inc.

Melrose, FL

Cypress Cove Owners Association, Inc.

Satsuma, FL

Davis Park Homeowner's Association, Inc.

Palatka, FL

Eagle's Nest Homeowner's Association, Inc.

Crescent City, FL

Elin Park Homeowners Association, Inc.

Palatka, FL

Geneva Springs Condominiums Homeowners Association, Inc.

Keystone Heights, FL

George's Lake Community Association, Inc.

Florahome, FL

Georgetown Cove Property Owners Association, Inc.

Georgetown, FL

Grey Hawk Estates Home Owners Association, Inc.

Palatka, FL

Hidden Hills V Property Owners Association, Inc.

Keystone Heights, FL

Hide-A-Way Acres Land Owners Association, Inc.

Hawthorne, FL

Klare Estates Community Association, Inc.

Keystone Heights, FL

Lake Elizabeth Property Owners' Association, Inc.

Melrose, FL

Lazy Days Camp Resort Lot Owners Association, Inc.

Welaka, FL

Melrose Area Property Owners' Association, Inc.

Hawthorne, FL

Melrose Bay Property Owners Association, Inc.

Melrose, FL

Melrose Business and Community Association, Inc.

Melrose, FL

Melrose Springs Homeowners Association, Inc.

Melrose, FL

Mount Royal Airpark Property Owners' Association, Inc.

Crescent City, FL

Mount Royal Estates Homeowners Association, Inc.

Crescent City, FL

N.A.U.S. Homeowners Association, Inc.

San Mateo, FL

Odom Ranch Property Owners Association, Inc.

Keystone Heights, FL

Palatka Medical Center Condominium Association, Inc.

Palatka, FL

Redfish Cove Owners' Association, Inc.

Keyston Heights, FL

Redwater Lake Estates Land Owners Association, Inc.

Hawthorne, FL

Round Lake Park Homeowners Association, Inc.

Palatka, FL

Saratoga Harbor Property Owners' Association, Inc.

Satsuma, FL

Silver Sands Lake Owners Association, Inc.

Keystone Heights, FL

Southside Historical Neighborhood Association, Inc.

Palatka, FL

Sportsman's Lodge, a Condo

Welaka, FL

Sportsmans Lodge Condominium O

St Augustine, FL

Spring Creek Homeowner's Association, Inc.

San Mateo, FL

St. Johns River Hill Property Owners Association, Inc.

Welaka, FL

Steinhatchee Tide Swamp Camp Homeowners Association, Inc.

Hawthorne, FL

The Bayou Club Property Owners Association, Inc.

Satsuma, FL

The Oaks Subdivision Homeowners Association, Inc.

E. Palatka, FL

Twelve Oaks Homeowners Association of Putnam County, Inc.

Florahome, FL

The money picture in Putnam County

Typical dues near Putnam

$77/ month78% below the FL typical of $3537th percentile in FL

Condo / co-op: n/a
Single-family: $77/mo
Share paying a fee: 11.1%

A typical fee among paying households near PutnamCounty, from U.S. Census ACS microdata — not a quote for any specific association. See the full state-by-state study.

Sources: U.S. Census ACS microdata, IRS Form 990 filings, and HUD FHA condo approvals (all public records). See all FL associations for the full directory.

Natural-hazard risk in Putnam County

FEMA’s National Risk Index scores every U.S. county on natural-hazard exposure, community susceptibility, and resilience. Homeowners in Putnam County, FL share the county-wide risk profile below — useful context for insurance decisions, reserve planning, and evaluating a community’s long-term risk environment.

Overall county riskRelatively Low·Expected lossRelatively Low

Most elevated county hazards

Hurricane · Relatively High
Lightning · Relatively High

Only hazards rated “Relatively High” or above are shown.

41 federal disaster declarations have affected Putnam County.

Railroad Complex Fire · 2026
Hurricane Milton · 2024
Hurricane Milton · 2024
Hurricane Helene · 2024

Source: FEMA National Risk Index and FEMA disaster-declaration database (public domain). County-wide figures — not a property-specific or association-level assessment.