Wooded 0.22-acre lot in Interlachen, FL — build a home, place a manufactured home, or hold for the future. No HOA, owner financing from $149/mo.
Power on the street. Fishing lakes minutes away. Family Dollar 6 minutes, Walmart in Palatka 15 minutes. This lot won't last at this price.
If you’re serious about building someday but want to buy the right land now before prices rise then this 0.22-acre lot in Interlachen, FL is worth a closer look.
No crowded neighborhoods. No constant noise. Just a slower pace and room to create something lasting when the time is right.
This property is ideal for buyers planning ahead, whether you’re preparing for retirement, a future home build, or simply investing in a more grounded lifestyle. R-2 zoning allows site-built, modular, manufactured, and mobile homes.
You get:
0.22 Acres in beautiful Northeast Florida
Power - power pole on the street
Family Dollar about 6 minutes away, Walmart in Palatka about 15 minutes — close enough for a supply run, far enough to feel like the country Quiet “Old Florida” atmosphere with natural surroundings
Great long-term homesite opportunity
No public water or sewer is available in this area. A private well and septic system will be required to build.
Buy now, build later, and secure your own place in the countryside before demand pushes prices even higher.
Pricing Info:
Cash price: $7,999
Financed price: $8,195
Interest rate: 0%
Down payment: $149
Doc fee: $250 (due at signing)
Monthly: $149/mo
Term: 54 months
Note Fee: $10/mo
Est. taxes: $5/mo
Your total monthly payment is $164 — that's $149 principal + $10 note fee + $5 estimated taxes, all collected together in one payment each month."
How owner financing works (plain English)
• Today you pay the initial amount (down payment + doc fee).
• We prepare paperwork and set up financing.
• Your first monthly payment is due about 30 days later.
• No bank / no credit check.
Documents (attached in listing)
• How Owner Financing Works (1 page)
Quick questions people ask
• Can I go walk it? Yes — use the map/GPS and plan for rural roads.
• RV Camping? Putnam County does not allow RV use or camping on vacant lots. No RV stays, no camping of any kind permitted on this property until a primary residence is constructed. County ordinance updated July 2024.
• How fast can I buy? Same day once you’re ready.
• Why different payment options sometimes? Lower monthly usually means higher total price; higher monthly usually means lower total cost.
Quick question before you go — what's your favorite color M&M? Include your answer when you TEXT or CALL (850) 374-5362 and we'll take 2 months off your financing as a thank you for actually reading this far. Most people don't — you clearly do your homework.