Margaret Zahner
Your Premier Waterfront & Historic Homes Realtor in Putnam County
Welcome to Putnam County, where the St. Johns River and Crescent Lake create some of the most beautiful waterfront living in North Central Florida. I’m Margaret Zahner, and after 55 years living right here and 39 years helping people buy and sell homes along this river, I know every bend, every canal, and every hidden gem in this community.
As a consistent top producer at Coldwell Banker Ben Bates with over $150 million in closed sales, I specialize in waterfront homes and historic properties throughout Putnam County. From deep-water docks in Welaka to canal-front homes in Satsuma and Pomona Park, historic homes in Palatka, peaceful lakefront estates in Crescent City, and quiet river retreats in Fruitland, Georgetown, and San Mateo — I bring deep local knowledge and personalized guidance to every client.
I’ve spent my life on and around the St. Johns River. I fish these waters myself and have many wonderful memories with my husband on our boat. That personal connection helps me understand exactly what buyers are looking for when they search for a waterfront home — whether it’s a place to fish from the dock, a peaceful spot to watch the sunset, or a home that blends historic character with modern comfort.
My spirited Maltese, Lil’ Dottie, proudly considers herself the official Top Dog Realtor of Putnam County. She loves “inspecting” every dock during showings and adding plenty of tail-wagging charm to every tour. While she keeps things fun, I’m the one handling the contracts, negotiations, dock permits, flood strategies, and all the important details that make your move smooth and successful.
Whether you’re relocating to Putnam County, searching for your first waterfront home, or preparing to sell a property you’ve loved for years, I’m here to help you navigate the process with confidence and care. Homes here offer incredible value, with many wonderful properties starting in the low $300,000s and steady appreciation each year.
I’d love to help you find your perfect St. Johns River or historic home.
Contact Margaret Phone: (386) 336-1263
Email: margaret@margaretzahner.com
Why Work With Margaret Zahner
Local Knowledge That Makes a Real Difference
After 55 years living in Putnam County and 39 years selling waterfront and historic homes here, I know this market in a way that simply can’t be taught. I understand the nuances of every river bend, canal system, and neighborhood — knowledge that helps my clients make confident decisions and avoid costly mistakes.