Tree- Line of Privacy for $205/Mo
Interlachen, FL 32148
Putnam County, Florida
Land Description
Sometimes renting feels like pouring money into a hole-you pay month after month, but when the lease is up, you don't own a thing. That's why owning land is such a powerful step. It's not about flashy promises or complicated bank loans. It's about steady payments toward something that will be yours. This 0.24-Acre wooded lot in Interlachen Lakes Estates, Putnam County, Florida, gives you exactly that opportunity. It's vacant and undeveloped, but it's a safe way to start building equity for your future. Whether you're tired of paying rent, want a backup plan, or dream of placing a mobile home once it's paid off, this land can be the foundation. With no banks, no credit checks, and no prepayment penalties, you can buy with confidence and on your own terms.
Pricing Options
-Owner financing: $250 doc fee (nonrefundable) + $250 down + $205/Month for 72 months
-Discounted cash price: $11,900 + $250 doc fee (nonrefundable)
The property sits along Lara Avenue and A Street, with dirt road access and visible power lines at the street. It's zoned R-2, which allows for a single-family home, mobile home, or even a tiny home once you've paid it off and are ready to build. While you cannot camp or live on the property while financing, it's a straightforward way to own something real now and prepare for your future later. Taxes are very low at just $86 per year, which means the cost to hold the land is minimal until you're ready to take the next step.
Key Property Features:
0.24-acre wooded parcel
Road access via Lara Ave / A St
Zoned R-2: mobile, tiny, or single-family home allowed
Power nearby; well and septic needed
Low annual taxes of about $86
Future Development Options:
Place a mobile home for your family's future
Build a single-family or tiny home when ready
Keep it as a low-cost investment until the right time
Pass it on to your kids as a family legacy
Financing Benefits:
No banks or credit checks
Affordable monthly payments of around $205
Pay off early with no penalties
Simple family-owned process with no surprises
If you've been searching for an affordable way to own land in Florida without dealing with banks or red tape, this could be the perfect fit. Contact us today to lock in your terms and start building ownership in your own soil.
Think about what this means long-term. For many buyers, it's a chance to stop renting with nothing to show for it. Instead, each payment builds equity toward something permanent. You don't have to worry about credit checks or mortgage denials. It's simple: make your payments, and when it's paid off, the land is yours free and clear. That's the kind of security renting will never give you.
For others, it's about freedom and independence. Imagine the day you can place your own mobile home on land you already own, with no landlord telling you what you can or can't do. It might be a few years down the road, but every month between now and then, you'll be moving closer to that goal. And when it's yours, it's yours for good-something you can keep for life or hand down to your kids.
This property also works as a safety net. Life is unpredictable, and land ownership gives you an option. Even if you're not planning to move right away, you'll know you have a place secured, waiting for the day you want it. It's a steady piece of ground that can't be taken away by rising rents or an unstable housing market.
One of the most powerful ways to think about this property is as forced savings. Every $205 monthly payment isn't rent money thrown away-it's money that goes directly toward land ownership. In six years, instead of looking back and realizing you spent thousands on rent, you'll look back and realize you bought real land free and clear. That's an incredible feeling. It gives you pride, it gives you independence, and it gives you something solid to pass on.
It's also a way to start small and dream bigger. Maybe you're not ready to move right now, but this parcel gives you a plan. A plan to one day have your own space where you don't share walls, you don't answer to a landlord, and you don't worry about rent increases. Instead, you can decide what to build, how to live, and when to make that move. That's the kind of independence that only comes from land ownership.
Location makes this parcel even more attractive. Interlachen, the nearest small town, is just 10 minutes away, with groceries, gas, and everyday essentials. Palatka, about 22 minutes east, offers more shopping, services, and dining. Gainesville, a larger city with hospitals, universities, and major stores, is only 40 minutes away. And if you want a day trip, historic St. Augustine and the Atlantic coast are just about an hour away.
Nearby Communities and Services:
Interlachen (10 min, 4.1 miles)
Palatka (22 min, 15.2 miles)
Gainesville (40 min, 32 miles)
Circle K Gas Station (10 min, 3.8 miles)
Regional Recreation Opportunities:
Ravine Gardens State Park (22 min)
Fountain of Youth Park in St. Augustine (1 hr 2 min)
Lightner Museum in St. Augustine (1 hr)
Transportation and Accessibility:
Easy access from Fl-20 highway
Gainesville Regional Airport within 40 minutes
Dirt road frontage on Lara Ave and A St
Cost of Living Benefits:
Low annual property taxes (~$86)
No HOA dues confirmed by the county
Utility setup is owner-controlled, not city-tied
Affordable land prices compared to urban markets
Essential Property Details:
Apn: 01-10-24-4075-1990-0050
Subdivision: Interlachen Lakes Estates Unit 16
County: Putnam, Fl
Parcel size: 0.24 acres
Elevation: ~116 feet
GPS Center: 29.65631, -81.86024
Zoning & Development Information:
R-2 Residential zoning
Allows single-family, mobile, or tiny homes
Must meet Florida building codes
Short-term rentals permitted with restrictions
Utilities & Infrastructure Requirements:
Power visible along Lara Ave
Well and septic required
Propane and trash services are available in the county
Annual Ownership Costs:
Property taxes: ~$86 per year
No HOA dues found
Important Restrictions:
No camping allowed
RVs are not permitted for living purposes
Cannot live on the property while financing is active
Buying land doesn't have to be overwhelming. We've built our process to be straightforward, family-owned, and transparent. There are no banks, no credit checks, and no hidden fees. Each payment goes toward ownership, and you're free to pay it off early if you'd like. It's a simple path to becoming a landowner without the headaches of traditional financing.
Land at this price, with terms this simple, doesn't stay available for long. Contact us today to secure it while it's still available, and take the first step toward owning land you can count on. Every payment brings you closer to independence, security, and a place you can truly call your own.
Land Maps & Attachments
Directions to Land
Driving Directions (From SR20 in Palatka, FL)
Start Point: SR20, Palatka, FL
End Point: GPS 29.65631, -81.86024 (Lara Ave / A St frontage, Interlachen Lakes Estates, Putnam County, FL)
Total Distance: 15.2 miles
Estimated Time: 22 minutes
Start on SR20 in Palatka.
Head west on SR20 toward Interlachen.
Continue on SR20 for about 15.0 miles.
Take the local turn into Interlachen Lakes Estates when you see neighborhood signs.
Continue on the neighborhood road for about 1.0 mile. Follow posted street signs toward Lara Ave.
Turn onto Lara Ave.
Drive about 0.2 miles on Lara Ave; watch for the intersection with A St.
Turn onto A St.
Drive a short distance and look for the property frontage near GPS 29.65631, -81.86024.
Arrival: Property is located along Lara Ave near the corner with A St at/near GPS 29.65631, -81.86024.
Access Notes:
Road surface type: Dirt. Local streets are unpaved.
Seasonal notes: Roads can be soft or muddy after heavy rain. Use caution with low-clearance vehicles.
Reminder: Download maps before travel; cell service may be limited in parts of the area.
More Land Details
Land Price History
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