Bolthole Index

Putnam County, Florida

Building permits, zoning and land rules in Putnam County, Florida

64Index Score / 100
#30 of 67 in Florida

Unincorporated Putnam County, Florida requires building permits for new homes, additions, remodeling, changes of use and other work covered by the Florida Building Code1. The Florida Building Code applies statewide, while unincorporated Putnam County adds zoning rules that vary by district and parcel23. The Florida Department of Health in Putnam County handles local septic permitting and inspection4.

At a glance

Building permit
Required for new construction and other work covered by the Florida Building Code1
Zoning
County zoning applies in unincorporated areas; parcel rules vary by district3
Septic permits
County health department handles permitting and inspection45
RV living
Temporary shelter only by permit in listed zoning districts6
Manufactured homes
Allowed in AG, R-2 and RMH districts7
Owner-builder
Available for qualifying owner-occupied homes and farm outbuildings8
Accessory dwelling
For guests or family without a fee; at least 375 square feet, with parcel and size limits910
Water wells
A permit is required for construction, repair or abandonment11

Who to call

Building permits

Putnam County Building Department

County building permits, plan review and inspections

(386) 329-0307

2509 Crill Ave. Palatka, FL 32177

Zoning

Putnam County Planning & Zoning Division

Zoning, land-use, subdivision and temporary-use questions

(386) 329-0491

2509 Crill Ave, Palatka, FL 32177

Septic permits

Florida Department of Health in Putnam County - Environmental Health

Local septic permitting and inspection

386-326-3240

CHD54Webmaster@FLHealth.gov

2801 Kennedy St., Palatka, FL 32177

Roads & driveways

Putnam County Public Works Department

County-road driveway inspections and right-of-way services

(386) 329-0346

publicworks@putnam-fl.gov

223 Putnam County Blvd. East Palatka, FL 32131

Contact details are copied from each office’s official page and were checked against it on October 10, 2026.

Off-grid gear

Going off-grid in Putnam County means bringing your own water and power. The kit we’d start with:

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Do you need a building permit in Putnam County, Florida?

Unincorporated Putnam County requires a building permit for new construction, additions, remodeling, changes of use, accessory structures and other listed work regulated by the statewide Florida Building Code12. Repair or maintenance affecting less than 10% of a building's nonstructural elements is a listed exception, but all work still must comply with the code1. A qualifying owner-builder may build a residence or farm outbuilding for personal use, with code, zoning and inspection duties still applying812. Palatka requires city and county processing for building permits; Crescent City has its own building-permit requirements1314. In Pomona Park, mobile-home work requires preliminary town approval and applicable county building permits15. Septic permitting in these municipalities stays with the Florida Department of Health in Putnam County161718.

Who is the Putnam County building department, and how do you reach it?

The Putnam County Building Department handles county permitting and inspections and can be reached at (386) 329-030719. The office is at 2509 Crill Ave. in Palatka and is open Monday through Friday from 8:30 a.m. to 5:00 p.m.19. Putnam County publishes permit applications online and uses an online permitting portal, while application materials can require plans, ownership evidence, zoning information, septic pre-approval, site-work permits and outside-agency approvals20. Putnam County publishes a countywide fee schedule for the fiscal year beginning October 1, 202621. Building permit fees vary by project; the older schedule calculates fees using construction type, occupancy, square footage under roof and a percentage modifier22. Consult the current schedule and ask the Building Department for the project-specific charge rather than budgeting from older deposits or rates2319.

Does Putnam County have zoning?

Putnam County's Land Development Code governs unincorporated land; Palatka, Crescent City, Interlachen, Pomona Park and Welaka administer their own zoning32425262728. Septic permitting in those municipalities remains with the Florida Department of Health in Putnam County4. In unincorporated Putnam County, minimum lot area depends on district, use, utilities and subdivision rules; PUD zoning has no fixed minimum lot area, but its ordinance, development agreement and other dimensional rules still apply29. An R-1 lot has a 15,000-square-foot minimum area with 25-foot front, 10-foot side and 20-foot rear setbacks3031. Newly created lots generally need one-half acre and 100 feet of width for private well and septic, or one-quarter acre and 75 feet of width for central water and private septic; the stricter applicable standard controls30. Manufactured homes are allowed in AG, R-2 and RMH districts7. Ask Planning & Zoning to confirm the parcel's district and utility requirements32.

How do septic permits work in Putnam County?

A septic permit is required before constructing, repairing, modifying, abandoning or operating an onsite sewage treatment and disposal system in Putnam County33. Florida's Department of Environmental Protection implements the applicable statewide rules, while the Florida Department of Health in Putnam County continues local septic permitting and inspection45. A construction permit is valid for 18 months and may receive one 90-day extension; a repair permit is valid for 90 days33. Contact Environmental Health at 386-326-3240 or visit 2801 Kennedy St. in Palatka34. Only 5.2% of Putnam County soils are rated without severe limitations for a conventional septic drain field, so arrange the site evaluation before fixing the house location or assuming a conventional system will fit35. We could not confirm a separate off-grid sanitation path; ask Environmental Health what permitted system can serve the proposed use34.

Can you live in an RV or tiny home on your land in Putnam County?

Temporary RV shelter in unincorporated Putnam County requires a temporary use permit in AG, AE, RE, R-1, R-1A, R-1HA, R-2, R-2HA or RMH districts6. Land-clearing occupancy is limited to 60 days without outside utility connections; construction occupancy requires principal-dwelling permits and septic hookup, starts with 6 months and may extend to a maximum setup period of 12 months6. Extreme-hardship occupancy is limited to 6 months6. A small conventional, site-built or modular home may qualify as an accessory dwelling in unincorporated single-family residential, Agriculture or Agriculture Estate districts, but only for guests or family without a fee9. Only one accessory unit may serve the primary home; the parcel generally needs at least one-half acre unless central water and sewer serve it and district dimensional requirements are met9. The accessory unit must be at least 375 square feet and cannot exceed either 75% of the primary home's enclosed area or 2,000 square feet109. We could not confirm a general minimum size for a principal home; ask Planning & Zoning about the proposed dwelling1032. Mobile homes and park models cannot serve as guest houses36.

What are the steps to build a home in unincorporated Putnam County?

  1. Ask Planning & Zoning to confirm whether the parcel is in unincorporated Putnam County and identify its zoning district, future land use, minimum lot size, setbacks and lot-coverage limit before designing the site3373839.
  1. Arrange the required septic site evaluation and permit with the Florida Department of Health in Putnam County if the site will use onsite sewage33. Obtain the required well permit too if the property will use a private well11.
  1. Secure a Putnam County driveway permit for a connection to the county road system; a state-road connection instead needs the separate state permit40.
  1. Obtain a Floodplain Development Permit before the construction permit if the site is in Flood Zone A or AE41.
  1. Submit the building application and supporting approvals to the Putnam County Building Department, using the owner-builder route only if the project qualifies208.
  1. Schedule applicable inspections as work proceeds12.
  1. Apply for the certificate of occupancy or final inspection, as applicable, before occupying work authorized by a Development Permit or Development Order42.

What should you check before buying land in Putnam County?

Confirm the parcel's municipal jurisdiction, zoning district, future land use, legal lot status, minimum lot size, setbacks and lot-coverage limit before treating it as buildable3743303139. Minimum lot area is not countywide: the applicable district, proposed use, utilities and subdivision rules can change the requirement, and the stricter standard controls where requirements conflict30. Check road access too, because every connection to the Putnam County road system needs a driveway permit and an existing driveway may need owner-funded upgrades to current standards40. Review flood exposure before placing the home: construction in Flood Zone A or AE needs a Floodplain Development Permit before the construction permit41. A private well needs a permit for construction, repair or abandonment11. For carrying costs, the effective property-tax rate is about 0.8%, the median annual property-tax bill is about $1,196, and the typical home value is about $219,440444546.

Watch-outs

  • Temporary RV occupancy has separate conditions for land clearing, home construction and extreme hardship; obtain Planning & Zoning approval before moving in632.
  • A county-road driveway requires a county permit, while access to a state road requires a separate state permit40.
  • Putnam County's accessory-dwelling allowance is for guests or family without a fee, so it does not authorize a rental unit9.

Sources

  1. When is a Permit Required?, quoted and re-checked
  2. Florida Statutes § 553.73, Florida Building Code, quoted and re-checked
  3. Planning & Zoning - Putnam County, FL, quoted and re-checked
  4. Onsite Sewage Disposal - Florida Department of Health in Putnam County, quoted and re-checked
  5. Onsite Sewage Disposal - Florida Department of Health in Putnam County, quoted and re-checked
  6. TUP for RV Occupancy Application, quoted and re-checked
  7. Planning & Zoning - Putnam County, FL, quoted and re-checked
  8. Owner/Builder Disclosure Statement, quoted and re-checked
  9. Putnam County Land Development Code, quoted and re-checked
  10. Putnam County Land Development Code, quoted and re-checked
  11. Water Well Construction Program, quoted and re-checked
  12. When is a Permit Required?, quoted and re-checked
  13. Palatka: Planning and Zoning Department (Putnam County), quoted and re-checked
  14. Crescent City: City of Crescent City Code of Ordinances, Chapter 6 – Building Construction (Putnam County), quoted and re-checked
  15. Town of Pomona Park: Code of Ordinances: Sec. 70-36. Permit requirements (Putnam County), quoted and re-checked
  16. Palatka: Onsite Sewage & Septic (Putnam County), quoted and re-checked
  17. Crescent City: Onsite Sewage Disposal – Florida Department of Health in Putnam County (Putnam County), quoted and re-checked
  18. Town of Pomona Park: Onsite Sewage Disposal (Putnam County), quoted and re-checked
  19. Putnam County Building Department (putnam-fl.gov)
  20. Putnam County Commercial Permit Checklist, quoted and re-checked
  21. Fee Schedule, quoted and re-checked
  22. County Wide Fee Schedule Fiscal Year 2023-2024, quoted and re-checked
  23. Fee Schedule, quoted and re-checked
  24. Palatka: Palatka Code § 94-111, Establishment; official zoning map (Putnam County), quoted and re-checked
  25. Crescent City: Land Development Code – Crescent City, Florida (Putnam County), quoted and re-checked
  26. Town of Interlachen: Town of Interlachen Planning Commission Public Hearing Minutes (Putnam County), quoted and re-checked
  27. Town of Pomona Park: Sec. 90-6. Establishment of zoning districts (Putnam County), quoted and re-checked
  28. Town of Welaka: Article 2 - Zoning Districts and Permitted Uses, Ordinance No. 2025-01 agenda packet (Putnam County), quoted and re-checked
  29. Planning & Zoning - Putnam County, FL, quoted and re-checked
  30. Putnam County Land Development Code, Section 45-501 and Section 45-503, quoted and re-checked
  31. Required Setbacks and Lot Size, quoted and re-checked
  32. Putnam County Planning & Zoning Division (putnam-fl.gov)
  33. 2026 Florida Statutes, Section 381.0065, quoted and re-checked
  34. Florida Department of Health in Putnam County - Environmental Health (putnam.floridahealth.gov)
  35. Share of soils USDA rates "not limited" for a conventional septic drain field (SSURGO). A strict rating: the median county is about 6% and a tenth of counties are 0%, so a low figure means most lots need a site evaluation or an engineered system, not that septic is impossible. Cite it only with that caveat: Bolthole Index county data
  36. Putnam County Land Development Code, Chapter 45, quoted and re-checked
  37. Planning & Zoning - Putnam County, FL, quoted and re-checked
  38. Planning & Zoning - Putnam County, FL, quoted and re-checked
  39. Required Setbacks and Lot Size, quoted and re-checked
  40. Putnam County Commercial Permit Checklist, quoted and re-checked
  41. Putnam County Commercial Permit Checklist, quoted and re-checked
  42. Putnam County Land Development Code, quoted and re-checked
  43. Planning & Zoning - Putnam County, FL, quoted and re-checked
  44. Effective property tax rate: Bolthole Index county data
  45. Median property tax bill: Bolthole Index county data
  46. Typical home value (Zillow): Bolthole Index county data

Written October 10, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.

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Compared with neighboring counties

Like all 6 of its neighbors, Putnam County requires a building permit for a home.

RulePutnam CountyClay CountyMarion CountyFlagler CountySt. Johns CountyAlachua CountyBradford County
Building permitRequiredRequiredRequiredRequiredRequiredRequiredRequired
County zoningYesYesYesYesYesYesYes
Septic permitsFL Dept. of Health in Putnam CountyFL Dept. of Health in Clay CountyFL Dept. of Env. ProtectionFL Dept. of Health in Flagler CountyFL Dept. of Health in St. Johns CountyFL Dept. of Health in Alachua CountyFL Dept. of Health in Bradford County

County locator

Putnam County in Florida

64
County map
Putnam County highlighted among the Florida counties · colored by Index score

How Putnam County scores

Seclusion36100% ev.
Self-Sufficiency59100% ev.
Admin Boringness44100% ev.
Durability66100% ev.
Property Autonomy91100% ev.
Carry Cost84100% ev.

Evidence strength: 100%. This reports direct-source completeness and fallback use; it is separate from the score and is not a confidence interval. How it works →

$219kTypical home
0.8%Property tax
$4,904Land / acre
52.8"Annual rain
8.7% of yrsSevere drought
7.6 / yr (+7)Mid-century 100°F days
14.5 daysMid-century dry spell
2.48" (+4.1%)Mid-century 1-day rain
1.08×Wildfire change factor
100%Forward climate coverage
$2,277Home insurance / yr
-5.4% / yrInsurance growth
0.38%Nonrenewal rate
county median (2+ published ZIPs)Insurance basis
39,299People within 30 min
6,347,970People within 2 hr
62,384Radius comparison (15 mi)
104.3People / sq mi
5.5%Federal land
99.9%Land at 15% slope or less
5.2%Soils rated "not limited" for septic (strict USDA rating)
21,195 acWorkable land screen
72.3%Wooded land
33.3 tonsBiomass / forest ac
70.5°FAvg temp

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Cities and towns in Putnam County

Inside a city or town, that city usually issues building permits and sets zoning; the county’s rules above cover unincorporated land. Septic, wells and floodplain rules usually stay with the county or state everywhere.

Answers from the rulebook for Putnam County

What the ordinances and state agencies actually say — one answer per question, each quoted from the official source and independently re-checked.

Putnam County rules

  • Building permitRequired

    Construction, additions, remodeling, changes of use, accessory structures, and other listed work regulated by the Florida Building Code in Putnam County.

    • The brochure lists an exception for repairing or maintaining less than 10% of non-structural elements of a building or structure.
    • All work must comply with the Florida Building Code.
    • Specific requirements depend on the proposed project.
    “Residential Work Requiring a Building Permit • New Construction, Additions, Remodeling, & Change of Use.”
  • Owner-builder exemptionAvailable (with conditions)

    Owner-builders constructing or improving qualifying property in Putnam County.

    • The owner may build or improve a one-family or two-family residence or farm outbuilding for the owner's own use or occupancy.
    • A commercial building is included only if costs do not exceed $75,000.
    • The property may not be built or substantially improved for rent, sale, or lease.
    • The owner must provide direct onsite supervision and comply with licensing, employment, workers' compensation, building-code, and zoning requirements.
    • Sale or lease within one year creates a presumption that the exemption was violated.

    commercial project value limit: <= 75000 USD (Commercial building owner-builder projects.) · presumed violation sale or lease period: <= 1 year (Sale or lease within one year after construction is complete.)

    “I understand that I may build or improve a one-family or two-family residence or a farm outbuilding. I may also build or improve a commercial building if the costs do not exceed $75,000. The building or residence must be for my own use or occupancy.”
  • InspectionsRequired

    Construction work regulated by Putnam County permitting.

    • The county states owners and contractors are responsible for applicable permitting and inspections.
    • Private-provider inspection is available subject to county notification and credential requirements.
    “It is the responsibility of each owner and/or contractor to comply with the applicable requirements for permitting and inspections.”
  • Certificate of occupancyRequired

    Development completed under a Putnam County Development Permit or Development Order.

    • Upon completion and before occupancy, the developer must apply for a certificate of occupancy or final inspection, as applicable.
    • The department may require as-built drawings.
    “Upon completion of work authorized by a Development Permit or Development Order, and before the development is Occupied, the Developer shall apply to the Department for a certificate of occupancy or final inspection, as applicable.”
  • County-wide zoningPresent (with conditions)

    County zoning and land-development regulation in unincorporated Putnam County.

    • The County Planning and Zoning Division administers compliance with the Putnam County Land Development Code and Comprehensive Plan.
    • Zoning districts, future land-use designations, setbacks, minimum lot sizes, permitted uses, special-use permits, variances, and PUD controls may apply by property and district.
    “Except as specifically provided below, the provisions of this Code shall apply to all Land, Buildings, and Structures and to the Use thereof within the unincorporated areas of the County.”
  • Local zoningVaries (with conditions)

    Aggregate local zoning across Putnam County, including county-administered unincorporated areas and incorporated municipal jurisdictions; the countywide conclusion does not assert that the County administers municipal ordinances.

    • The County page states that each property record identifies the municipal jurisdiction, zoning district, and future land-use designation.
    • County zoning and land-development controls apply in unincorporated Putnam County; incorporated municipalities may administer their own zoning and development rules.
    • Property-specific district rules, setbacks, minimum lot sizes, permitted uses, and approval requirements must be checked for the applicable jurisdiction and parcel.
    “The second table has three categories: “Departments” which identifies the municipal jurisdiction; “Zoning Data” which identifies the zoning district; and “Future Land Use Map” which identifies the Future Land Use designation for the property.”
  • Zoning districtsPublished (with conditions)

    Putnam County zoning districts and district-specific land-development standards.

    • The county directs users to the Land Development Code and publishes a required-setbacks and lot-size table.
    • District-specific standards and exceptions apply.
    “Article VII of this Code establishes the site design requirements for each zoning district, including setbacks, minimum Lot sizes, Lot widths, maximum Lot coverage, maximum building Heights, minimum road Frontages etc.”
  • Minimum dwelling sizeSpecified

    Accessory dwelling units in Putnam County.

    • The Land Development Code specifies a minimum of 375 square feet for an accessory dwelling unit; no general minimum size for every principal dwelling was established from the reviewed sources.

    minimum accessory dwelling size: >= 375 square feet (Accessory dwelling units.)

    “The accessory Dwelling Unit shall be no smaller than 375 square feet and no larger than 75% of the enclosed square footage of the primary residence, not to exceed 2,000 square feet of enclosed living space.”
  • Minimum lot sizeDistrict specific (with conditions)

    Lots and residential development subject to the Putnam County Land Development Code in unincorporated areas; minimum lot area depends on the zoning district, use, utilities, subdivision status, and applicable future-land-use or PUD requirements.

    • Examples in Table 7.02A include RE: 43,560 square feet (1 acre); R-1: 15,000 square feet; R-1A: 7,500 square feet; R-1HA: 21,780 square feet (one-half acre); R-2: 7,500 square feet; R-2HA: 21,780 square feet; R-3: 7,500 square feet; and RMH mobile-home parks: 5 acres.
    • For new residential subdivisions and residential or non-residential lots created after the effective date of the article, private well and private septic tank require 21,780 square feet (one-half acre) and 100 feet lot width.
    • For central water and private septic tank, the minimum is 10,890 square feet (one-quarter acre) and 75 feet lot width.
    • For central water and central wastewater, lot area is as allowed by the zoning district or PUD.
    • Where requirements conflict, the stricter standard applies.
    • PUD minimum lot area requirements are no minimum, but other dimensional requirements depend on the PUD rezoning ordinance, development agreement, Land Development Code, and comprehensive plan.
    • For lots or parcels requiring one acre, a lot or parcel that is 0.95 acres in size or better is sufficient to meet the required lot area.

    RE minimum lot area: 43560 square feet (1 acre) · R-1 minimum lot area: 15000 square feet · R-1A minimum lot area: 7500 square feet · R-1HA minimum lot area: 21780 square feet (one-half acre) · R-2 minimum lot area: 7500 square feet · private well and private septic minimum lot area: 21780 square feet (one-half acre) · central water and private septic minimum lot area: 10890 square feet (one-quarter acre) · PUD minimum lot area: no minimum (Other PUD and Code requirements apply)

    “Lot area: 21,780 square feet (one-half acre)”
    One more reviewed finding on this topic
    • District specific (with conditions) — Lots and parcels regulated by Putnam County zoning and Land Development Code in unincorporated Putnam County.
      “RE Minimum setback requirements: Front: 40 feet Rear: 20 feet Side: 20 feet Corner Side: 30 feet Minimum Lot requirements: Lot Width: 150 feet Lot Area: 43,560 square feet (1 acre) Maximum impervious surface area: 50% Maximum building height: 35 feet R-1 Minimum setback requirements: Front: 25 feet Rear: 20 feet Side: 10 feet Corner side: 20 feet Minimum Lot requirements: Lot Width: 100 feet Lot Area: 15,000 square feet”
  • SetbacksSpecified

    Development subject to Putnam County zoning districts.

    • Setbacks vary by zoning district.
    • Double-frontage lots use the designated front-yard setback for the rear setback.
    • Waterfront setbacks and yard-modification reductions have additional conditions.

    R-1 front setback: 25 feet · R-1 side setback: 10 feet · R-1 rear setback: 20 feet · waterfront setback: 50 feet (Or out of the flood zone if possible, whichever is greater.)

    “Double Frontage (lots where the front and rear yards are on roadways) requires that the rear setback is the same as the designated front yard setback”
  • Lot coverageSpecified

    Development subject to Putnam County zoning districts.

    • Maximum impervious-surface or lot-coverage limits vary by zoning district and future land-use designation.
    • The county table lists 35% for several residential districts and 50% for Agriculture.

    R-1 maximum impervious surface: 35 percent · Agriculture maximum impervious surface: 50 percent

    “R-1 25 10 20 20 50 25 35 35% 100 15,000 sf”
  • Living in an RVTemporary only (with conditions)

    Temporary RV shelter occupancy in AG, AE, RE, R-1, R-1A, R-1HA, R-2, R-2HA, and RMH zoning districts.

    • Land-clearing occupancy requires a temporary use permit, is limited to 60 days, and the RV must be self-contained and not connected to outside electrical power, potable water, or sewage disposal; waste must go to a licensed facility.
    • Construction occupancy requires principal-dwelling permits, commencement within 90 days, electrical and plumbing inspection fees, septic hookup, and is limited to six months, with a possible extension up to six months and a maximum setup period of 12 months.
    • Extreme-hardship occupancy is limited to six months and requires self-contained utilities or lawful utility connections.
    • The permit is non-transferable, non-refundable, and may be renewed once at the Planning Manager's discretion.

    land clearing duration: 60 days · construction occupancy duration: 6 months (Possible extension up to 6 additional months.) · maximum setup period: 12 months (Construction occupancy.)

    “In the AG, AE and residential zoning districts (RE, R-1, R-1A, R-1HA, R-2, R-2HA and RMH), the temporary use of RVs for shelter may be allowed by temporary use permit as follows:”
  • Tiny homesLimited

    A small dwelling used as an accessory dwelling unit on a lot in Putnam County's unincorporated single-family residential, Agriculture, or Agriculture Estate zoning districts.

    • The accessory dwelling unit is an allowed use in all single-family residential zoning districts, including Agriculture and Agriculture Estate, subject to the listed supplemental regulations.
    • Occupancy is limited to guests or family members on a non-fee basis; the unit may not be sold separately unless a lot split is approved by Putnam County.
    • The parcel must be at least one-half acre and satisfy all Florida Department of Health requirements, unless served by central water and sewer and the unit conforms to the subject zoning district's dimensional requirements.
    • Only one accessory dwelling unit may serve the primary residence.
    • The primary residence and accessory dwelling unit must be conventional, site-built, or modular housing.
    • The accessory dwelling unit must be at least 375 square feet, no larger than 75 percent of the primary residence's enclosed square footage, and no larger than 2,000 square feet; it must remain smaller and clearly subordinate to the primary residence.
    • The unit is limited to two bedrooms, with one additional bedroom possible only by special use permit from the Zoning Board of Adjustment; four or more bedrooms are prohibited.
    • A mobile home or park model may not serve as the guest house in any zoning district.

    minimum parcel area: >= 0.5 acre (The minimum does not apply if the parcel has central water and sewer and the unit conforms to the subject zoning district's dimensional requirements.) · minimum accessory dwelling unit area: >= 375 square feet · maximum accessory dwelling unit area: 75% of primary residence enclosed square footage, not exceeding 2,000 square feet (The unit must be smaller and clearly subordinate to the primary residence.) · maximum bedrooms: <= 2 bedrooms (One additional bedroom may be approved by special use permit; four or more bedrooms are prohibited.)

    “Accessory Dwelling Unit shall be an allowed use in all single-family residential zoning districts”
    One more reviewed finding on this topic
  • Manufactured homesLimited

    Mobile or manufactured homes in county zoning districts covered by the Putnam County Planning & Zoning guidance.

    • The county page states that mobile homes are allowed in Agriculture (AG), Residential-2 (R-2), and Residential Mobile Home Park (RMH) zoning districts.
    • Other zoning districts may impose different restrictions; the cited source does not establish countywide unrestricted occupancy.
    “Mobile homes are allowed in the following zoning districts: Agriculture (AG), Residential- 2 (R-2), Residential Mobile Home Park (RMH).”
  • Accessory dwellingsAllowed (with conditions)

    Accessory dwelling units in single-family residential zoning districts, including Agriculture and Agriculture Estate.

    • The unit is for guests or family members on a non-fee basis and generally may not be sold separately.
    • The parcel must be at least one-half acre and meet Florida Department of Health requirements, unless served by central water and sewer and conforming to district dimensional requirements.
    • Only one unit may serve the primary residence.
    • The primary residence and accessory unit must be conventional, site-built, or modular; mobile homes and park models cannot serve as guest houses.
    • The unit must be at least 375 square feet, no more than 75% of the primary residence's enclosed square footage, and no more than 2,000 square feet.
    • The unit is limited to two bedrooms, with one additional bedroom possible by special-use permit; four or more bedrooms are prohibited.

    minimum parcel size: >= 0.5 acre (Not applicable when central water and sewer serve the parcel and dimensional requirements are met.) · minimum accessory dwelling size: >= 375 square feet · maximum accessory dwelling size: <= 2000 square feet (Also limited to 75% of primary residence enclosed square footage.)

    “Accessory Dwelling Unit shall be an allowed use in all single-family residential zoning districts, including Agriculture and Agriculture Estate, subject to the provisions listed below.”
  • Septic inspectionRequired

    Septic tanks and OSTDS in Putnam County.

    • County health department offices continue septic permitting and inspection.
    • Private-provider OSTDS inspections are available beginning July 1, 2022, with owner authorization.

    private provider option date: 2022-07-01

    “Under Florida’s Clean Waterways Act of 2020, the county health department offices will continue to do the permitting and inspection for septic tanks; please continue to work with them for all of your permitting-related needs.”
  • Subdividing landRegulated (with conditions)

    Subdivision, lot division, and exempt subdivision review in Putnam County.

    • The county reviews exempt subdivision applications for minimum lot size, legal standing of original parcels, and affected platted easements.
    • The Land Development Code and Comprehensive Plan govern how property may be divided.
    • Lot inquiries cost $45 and may take up to four weeks.

    lot inquiry fee: 45 USD · lot inquiry maximum stated response time: <= 4 weeks (Most are answered within two weeks.)

    “Every zoning classification requires a minimum lot size. Each piece of property has a Zoning Classification and a Comprehensive Plan Future Land Use Designation. These two documents and the Putnam County Land Development Code, govern how a property can be divided.”
  • Driveway accessRequired

    Connections to the Putnam County roadway system.

    • All connections to the county roadway system require a Driveway Permit.
    • Existing driveways must be evaluated for current county standards, and required upgrades are the property owner's responsibility.
    • Connections to state roads require a separate FDOT permit.
    “All connections to Putnam County roadway system require a Driveway Permit. Existing driveways must be evaluated for compliance with current Putnam County driveway standards. Any upgrades required will be the responsibility of the property owner.”
  • Building in a floodplainRequired

    Construction in Putnam County Flood Zone A or AE and other flood-hazard areas.

    • Construction in Flood Zone A or AE requires a Floodplain Development Permit before issuance of a construction permit.
    • The permit application expires if no work begins within six months.
    • A site plan is required and separate site-work, FEMA elevation-certificate, water-management-district, or other permits may apply.

    application commencement period: 6 months (Permit expires if no work commences.)

    “Construction that is placed in Flood Zone “A” or “AE” must have a Floodplain Development Permit. This permit must be signed by the contractor of record or an owner contractor prior to issuance of a construction permit.”
  • Permit feesVariable (with conditions)

    County building permit fees under the published Putnam County building fee schedule.

    • The cited fee schedule is labeled Fiscal Year 2023-2024; the county separately announces a 2026-2027 fee schedule beginning October 1, 2026.
    • Permit applications requiring internal review require a non-refundable deposit credited to the permit cost.
    • The fee calculation uses the most recent ICC Building Valuation Data and depends on construction type, building use, total square footage under roof, and the applicable percentage modifier.

    single family residence application deposit: 35 USD (FY2023-2024 schedule) · commercial application deposit: 75 USD (FY2023-2024 schedule) · new residential site-built or replacement construction modifier: 0.45 percent (FY2023-2024 schedule; includes all trade permits) · new commercial site-built or replacement construction modifier: 0.47 percent (FY2023-2024 schedule; includes all trade permits)

    “The square foot value determined by the predominant occupancy classification and the construction type shall be multiplied by the total square footage under roof, multiplied by the percentage modifier indicated below.”
    2 more reviewed findings on this topic
    • Published (with conditions) — Putnam County building and development permit fees.
      “The county wide fee schedule for the 2026-2027 fiscal year beginning on October 1, 2026 is available for download below.”
    • Published — Putnam County's countywide fee schedule, including building and development permit-related fees.
      “The county wide fee schedule for the 2026-2027 fiscal year beginning on October 1, 2026 is available for download below.”
  • Permit processPublished (with conditions)

    Putnam County building-permit application process.

    • Applications are available online and through the Planning and Development office.
    • The county uses an online permitting portal.
    • Application materials may require plans, ownership verification, zoning information, septic pre-approval, site-work permits, and external agency approvals.
    “Permit application must be completed with all the applicable information including required signatures. (If the information does not apply, please mark "N/A" on the permit application.)”

Florida rules that apply here

  • Building code adoptedAdopted

    The Florida Building Code, 8th Edition (2023), as amended and updated by the Florida Building Commission, as the building code for the State of Florida.

    • The current rule incorporates updates approved through December 9, 2025.
    • Local authorities having jurisdiction may adopt local amendments as permitted by Florida law; those amendments do not replace the statewide base code.
    • The Florida Building Commission website identifies December 31, 2023 as the effective date of the 8th Edition (2023).

    code edition: 8th Edition (2023) (as updated by the Florida Building Commission) · latest listed rule effective date: 2026-03-18 · base code effective date: 2023-12-31

    “The Florida Building Code, 8th Edition (2023), as updated by the Florida Building Commission on June 20, 2023, April 16, 2024, August 13, 2024, December 10, 2024, December 20, 2024, April 15, 2025, and December 9, 2025, and incorporated herein by reference is hereby adopted as the building code for the State of Florida.”
    3 more reviewed findings on this topic
    • Adopted (with conditions) — Buildings and structures in Putnam County, including unincorporated areas, subject to the Florida Building Code and applicable statutory exemptions or local amendments.
      “The initial adoption of, and any subsequent update or amendment to, the Florida Building Code by the commission is deemed adopted for use statewide without adoptions by local government.”
    • Adopted — The Florida Building Code for public and private buildings, including residential construction, throughout Florida.
      “The initial adoption of, and any subsequent update or amendment to, the Florida Building Code by the commission is deemed adopted for use statewide without adoptions by local government.”
    • Adopted — The Florida Building Code for public and private buildings and structures, including residential construction, throughout Florida.
      “is deemed adopted for use statewide without adoptions by local government.”
  • Camping on your landLimited

    Temporary camping conducted as a recreational camp regulated under Florida Statutes Chapter 513.

    • The operator must obtain a Florida Department of Health permit before establishing or maintaining the recreational camp.
    • The camp must satisfy statutory and Department of Health requirements and inspection standards.
    • This claim does not resolve camping on private land outside a regulated recreational camp.

    permit renewal: annually · permit fee per space: 3.50-6.50 USD (Until rules setting fees are adopted, the fee is $3.50 per space.) · total permit fee: 50-600 USD (A recreational camp fee is based on an equivalency rate for which two camp occupants equal one space.)

    “recreational camp in this state without first obtaining a permit from the department.”
  • Who permits septicMixed (with conditions)

    Florida's statewide OSTDS program, including permitting, inspections, and enforcement.

    • DEP has statewide responsibility for implementing and enforcing Florida OSTDS laws and rules.
    • DEP permitting and inspections have transitioned for 16 Panhandle counties and Marion County.
    • Outside the transitioned counties, local county health departments continue handling septic permitting and inspections.
    • The FAQ states that transition of the remaining 50 counties depends on legislative approval.
    “DEP is permitting OSTDS in Northwest Florida and Marion County. The transition of the remaining 50 counties will occur depending on legislative approval.”
    3 more reviewed findings on this topic
    • Mixed (with conditions) — OSTDS/septic administration affecting Putnam County.
      “Effective July 1, 2021, the Florida Department of Environmental Protection (DEP) is responsible for implementing the Florida Statutes and regulations applicable to OSTDS. Under Florida’s Clean Waterways Act of 2020, the county health department offices will continue to do the permitting and inspection for septic tanks; please continue to work with them for all of your permitting-related needs.”
    • Mixed — Statewide onsite sewage treatment and disposal system permitting and enforcement in Florida.
      “During the transition period, applicants will apply for permits and services in two separate ways, depending on in which county they are requesting a permit.”
    • Mixed — Statewide OSTDS regulation, enforcement, permitting, and inspection in Florida.
      “The Onsite Sewage Treatment and Disposal System (OSTDS) permitting program has implemented the first phase of the transition from the Florida Department of Health (DOH) to the Florida Department of Environmental Protection (DEP). DEP is permitting OSTDS in Northwest Florida and Marion County. The transition of the remaining 50 counties will occur depending on legislative approval.”
  • Septic permitRequired

    Onsite sewage treatment and disposal systems serving property in Putnam County.

    • A person may not construct, repair, modify, abandon, or operate an onsite sewage treatment and disposal system without first obtaining a department-approved permit.
    • Construction permits are valid for 18 months and may be extended for one 90-day period; repair permits are valid for 90 days.
    • An operating permit is required before use of an aerobic treatment unit or where the establishment generates commercial waste.
    • For a single-family residence, proof that the septic application was submitted may be provided when applying for the building or plumbing permit; the owner or builder remains subject to the septic permitting requirements.
    • Putnam County is outside the 16 counties transferred to DEP for septic permitting beginning January 2, 2025; the Florida Department of Health in Putnam County states that county health department offices continue septic permitting and inspection.

    construction permit validity: 18 months (may be extended by the department for one 90-day period) · repair permit validity: 90 days · operating permit renewal for commercial wastewater system: per 1 year · operating permit renewal for aerobic treatment unit: per 2 years

    “A person may not construct, repair, modify, abandon, or operate an onsite sewage treatment and disposal system without first obtaining a permit approved by the department.”
    2 more reviewed findings on this topic
    • Required — Installing, replacing, repairing, modifying, or abandoning an onsite sewage treatment and disposal system in Florida.
      “the department shall issue permits for the construction, installation, modification, abandonment, or repair of onsite sewage treatment and disposal systems”
    • Required — Construction, installation, modification, abandonment, or repair of an OSTDS or septic tank system in Florida.
      “A permit application for any onsite sewage treatment and disposal (OSTDS or septic tank) system is required by Florida law.”
  • Well permitLimited

    Construction, repair, or abandonment of drinking-water wells in Florida.

    • The five water management districts typically oversee drinking-water well construction, repair, and abandonment.
    • Some water management districts delegate well permitting to county health departments or other local agencies.
    • The Florida Department of Environmental Protection establishes statewide water-well construction requirements through section 373.309 and Chapter 62-532, F.A.C.
    • County health departments delegated to perform well permitting include Baker, Brevard, Broward, Clay, Miami-Dade, Flagler, Glades, Hendry, Highlands, Indian River, Lake, Marion, Martin, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Putnam, St. Lucie, Sarasota, and Volusia.
    • Well-contractor licensure is distinct from any construction permit requirement; licensed water-well contractors are required for persons engaging in the business of constructing, repairing, or abandoning wells.
    “The construction, repair, or abandonment of drinking water wells is typically overseen by the five water management districts. Some of these districts have delegated authority to county health departments or other local agencies.”
    3 more reviewed findings on this topic
    • Required — Water-well construction, repair, or abandonment serving property in Putnam County.
      “The Florida Department of Environmental Protection (DEP) regulates the practice of water well contracting, permitting and construction as authorized by Chapter 373, Part III, Florida Statutes, Regulation of Wells.”
    • Required — Construction, repair, or abandonment of water wells in Florida.
      “Additionally, a permit must be obtained from the appropriate WMD or its delegated permitting authority prior to the construction, repair or abandonment of any water well.”
    • Required — Construction, repair, or abandonment of any water well statewide.
      “Additionally, a permit must be obtained from the appropriate WMD or its delegated permitting authority prior to the construction, repair or abandonment of any water well.”
  • Mandatory utility hookupConditional

    Existing onsite sewage treatment and disposal systems when an available publicly owned or investor-owned sewerage system exists.

    • A properly functioning OSTDS, excluding an approved onsite graywater system, must connect within 365 days after written notification that the sewerage system is available.
    • The sewerage system must provide at least one year’s advance notice of anticipated availability and notify the owner that connection will be required within one year of actual availability.
    • An OSTDS needing repair or modification to function sanitarily or comply with applicable law must connect within 90 days after written notification from the department.
    • In hardship cases, the department may approve one extension of not more than 90 days.
    • A sewerage system may waive mandatory connection with department approval when connection is not required in the public interest due to public-health considerations.
    • A local government or water-and-sewer district may grant a variance for a properly functioning, department-permitted performance-based OSTDS, but is not required to do so in the listed protected areas.

    connection deadline for properly functioning system: 365 days (After written notification of availability.) · connection deadline for system needing repair or modification: 90 days (One hardship extension of not more than 90 days may be approved.) · advance notice of anticipated availability: >= 1 year · maximum installment period for prepaid connection charges: <= 2 years · maximum hardship installment period for investor-owned sewer connection fee: <= 5 years (Requires local governing body determination of financial hardship.)

    “The owner of a properly functioning onsite sewage treatment and disposal system, excluding an approved onsite graywater system, must connect the system or the building’s plumbing to an available publicly owned or investor-owned sewerage system within 365 days after written notification by the owner of the publicly owned or investor-owned sewerage system that the system is available for connection.”
    2 more reviewed findings on this topic
    • Conditional — Existing properly functioning OSTDS when a publicly owned or investor-owned sewerage system becomes available, and systems needing repair or modification.
      “The owner of a properly functioning onsite sewage treatment and disposal system, excluding an approved onsite graywater system, must connect the system or the building’s plumbing to an available publicly owned or investor-owned sewerage system within 365 days after written notification by the owner of the publicly owned or investor-owned sewerage system that the system is available for connection.”
    • Conditional — Existing properly functioning OSTDS when an available publicly owned or investor-owned sewerage system becomes available.
      “The owner of a properly functioning onsite sewage treatment and disposal system, excluding an approved onsite graywater system, must connect the system or the building’s plumbing to an available publicly owned or investor-owned sewerage system within 365 days after written notification by the owner of the publicly owned or investor-owned sewerage system that the system is available for connection.”
  • Agricultural exemptionConditional

    Nonresidential farm buildings, farm fences, and farm signs located on lands used for bona fide agricultural purposes in Florida.

    • The land must be used for bona fide agricultural purposes.
    • The exemption does not apply to lands used for urban agriculture.
    • The exemption is from the Florida Building Code and county or municipal code or fee.
    • Floodplain-management code provisions remain applicable, including local, state, or federal provisions.
    • A farm sign on a public road remains subject to the standards listed in Florida Statutes § 479.11(4), (5)(a), and (6)-(8).
    • A nonresidential farm building is not intended to be used as a residential dwelling.
    • The statutory definition includes temporary or permanent buildings or support structures used primarily for agricultural purposes and located on land integral to a farm operation or classified as agricultural land under § 193.461; examples include a barn, greenhouse, shade house, farm office, storage building, or poultry house.
    “any nonresidential farm building [...] is exempt from the Florida Building Code and any county or municipal code or fee”
    2 more reviewed findings on this topic
    • Available (with conditions) — Nonresidential farm buildings, farm fences, and farm signs located on lands used for bona fide agricultural purposes statewide in Florida.
      “any nonresidential farm building, farm fence, or farm sign [...] is exempt from the Florida Building Code and any county or municipal code or fee”
    • Available (with conditions) — Nonresidential farm buildings, farm fences, and farm signs located on lands used for bona fide agricultural purposes in Florida.
      “any nonresidential farm building, farm fence, or farm sign [...] is exempt [...] except for code provisions implementing local, state, or federal floodplain management regulations.”
  • Short-term rentalsLimited

    Vacation rentals in Florida.

    • A local law, ordinance, or regulation may not prohibit vacation rentals or regulate their duration or frequency.
    • The preemption does not apply to local laws, ordinances, or regulations adopted on or before June 1, 2011.
    • The preemption does not apply to a local law, ordinance, or regulation exclusively relating to property valuation as a criterion for vacation rental when approval by the state land planning agency is required under an area of critical state concern designation.
    • Local governments retain authority to inspect public lodging establishments for Florida Building Code and Florida Fire Prevention Code compliance.

    grandfather date: June 1, 2011 (local law, ordinance, or regulation adopted on or before this date)

    “A local law, ordinance, or regulation may not prohibit vacation rentals or regulate the duration or frequency of rental of vacation rentals. This paragraph does not apply to any local law, ordinance, or regulation adopted on or before June 1, 2011.”
  • Campground & park staysAllowed (with conditions)

    Occupancy of recreational vehicles as transient accommodations in Florida recreational vehicle parks and recreational camps regulated by Chapter 513.

    • The park or camp must obtain a permit from the Florida Department of Health before establishment or operation.
    • The permit must be renewed annually.
    • This claim does not establish statewide private-land zoning permission outside regulated parks or camps.

    park/camp permit renewal: annually

    “a recreational vehicle park that rents to transient guests”
  • county zoning authorityGeneral

    Florida counties' authority to establish, coordinate, and enforce zoning, including zoning of unincorporated county areas, subject to general and special law.

    • The county power is subject to general or special law.
    • The zoning and business regulations may not include the prohibitions in Florida Statutes § 377.8161.
    • This statewide authority grant does not identify a population threshold, named-county limitation, lake, military-base, reservoir, or similar geographic limitation.
    “Establish, coordinate, and enforce zoning and such business regulations as are necessary for the protection of the public”
    One more reviewed finding on this topic
    • General — Florida counties adopting and enforcing zoning regulations for county territory, including unincorporated areas.
      “Establish, coordinate, and enforce zoning and such business regulations as are necessary for the protection of the public, to the extent such zoning and business regulations do not include the prohibitions in s. 377.8161.”
  • county building authorityGeneral

    Florida counties requiring building permits and enforcing the Florida Building Code for residential and other construction within county territory outside incorporated municipalities.

    • The board of county commissioners may enforce the Florida Building Code and Florida Fire Prevention Code and may adopt local technical amendments at its discretion.
    • The authority described in § 125.56(1) applies within county territory outside the corporate limits of any municipality.
    • After adoption of the applicable code or amendment, construction, erection, alteration, repair, securing, or demolition requires a permit from the appropriate county authority, subject to reasonable fees.
    • An adopted amendment remains in force throughout the county's unincorporated area until otherwise notified by the Florida Building Commission or State Fire Marshal.
    • A county may provide a schedule of reasonable inspection fees and employ building-code inspectors and other necessary personnel.
    “The board of county commissioners of each of the several counties of the state may enforce the Florida Building Code and the Florida Fire Prevention Code as provided in ss. 553.80, 633.206, and 633.208 and, at its discretion, adopt local technical amendments to the Florida Building Code as provided in s. 553.73(4) and local technical amendments to the Florida Fire Prevention Code as provided in s. 633.202 to provide for the safe construction, erection, alteration, repair, securing, and demolition of any building within its territory outside the corporate limits of any municipality.”

Still unanswered

We looked and could not find an official answer yet. Silence is not permission — ask the county directly.

  • Off-grid sanitation — Off-grid sanitation systems in Putnam County.

Each answer was extracted from an official source and independently re-checked against that source by a second reviewer. That is an evidence check, not legal advice. Rules change; confirm with the authority before you buy or build.

Living off-grid in Putnam County, Florida

Is Putnam County a good place to live off-grid or homestead?

Putnam County scores 64/100 on the Bolthole Index, a strong county profile. Its strengths: a stronger property-autonomy legal backdrop and manageable long-term carry cost. Watch-outs: about 39,299 people within a 30-minute drive.

Do you need a building permit in Putnam County, Florida?

Putnam County generally requires a residential building permit, and it enforces county zoning. Onsite septic is permitted by Florida Department of Health in Putnam County (Environmental Health, OSTDS). Owner-builders may act as their own contractor to build their home. These answers are quoted from official sources and independently re-checked. Rules change and cities within the county differ — always confirm with the county before you buy or build.

Can you live in an RV or tiny home on your land in Putnam County?

Living in an RV on your own land in Putnam County is allowed on a temporary basis only: Temporary RV shelter occupancy in AG, AE, RE, R-1, R-1A, R-1HA, R-2, R-2HA, and RMH zoning districts. Land-clearing occupancy requires a temporary use permit, is limited to 60 days, and the RV must be self-contained and not connected to outside electrical power, potable water, or sewage disposal; waste must go to a licensed facility. Construction occupancy requires principal-dwelling permits, commencement within 90 days, electrical and plumbing inspection fees, septic hookup, and is limited to six months, with a possible extension up to six months and a maximum setup period of 12 months. A tiny home is limited to specific cases. Confirm with the county before relying on it.

How much does land cost in Putnam County, Florida?

Land in Putnam County runs about $4,904 per acre, based on the latest county data.

What is the water situation in Putnam County?

Putnam County gets about 52.8" of rain a year, with severe drought in roughly 8.7% of years.

How remote is Putnam County?

A representative private-land location has about 39,299 people within a 30-minute drive and 6,347,970 within two hours. The road-network catchments count population across county lines and clusters of smaller cities; straight-line radius values remain available as a comparison.

How Putnam compares in Florida

Compare side-by-side →See all 67 Florida counties ranked →