Your Retirement Lot, $175/Mo
Phillips Rd & Glisson St : Interlachen, FL 32148
Putnam County, Florida
Land Description
Retirement should feel steady, simple, and secure. After years of hard work, you deserve peace of mind and a safe place that belongs to you. For many folks on a fixed income, the idea of owning property can feel out of reach, but it doesn't have to be. This 0.22-Acre wooded parcel in Interlachen Lakes Estates, Putnam County, Florida, gives you the chance to own land at a price that works for your budget. It's vacant and undeveloped, ready for you to plan the future on your own terms. With no banks, no credit checks, and no prepayment penalties, our family makes the process clear and simple. For less than many monthly bills, you can begin paying into something lasting - a piece of Florida land that you can keep for life.
Pricing Options
-Owner financing: $250 doc fee (nonrefundable) + $250 down + $175/Month for 72 months
-Discounted cash price: $12,850 + $250 doc fee (nonrefundable)
This lot sits off Glisson Street and Phillips Road, with dirt road access and power visible nearby. Zoned R-2, it allows for a single-family home, a mobile home, or even a tiny home, once requirements are met. The land is vacant and undeveloped, so you can design your retirement retreat as you see fit. Annual property taxes are only about $73, which makes it affordable to hold while you plan. While you cannot camp or live on the property during financing, you'll have the freedom to create a peaceful homestead once it's yours outright.
Key Property Features:
0.22-acre wooded lot in Interlachen Lakes Estates Unit 22
Road access via Glisson St or Phillips Rd
Zoned R-2: single-family, mobile, or tiny homes allowed
Power visible nearby; well and septic required
Low annual property taxes (~$73)
Future Development Options:
Build a quiet retirement home on your timeline
Place a newer mobile home (1976 or newer) once ready
Create a tiny home retreat for downsized living
Hold as a secure, low-cost land investment for the family
Financing Benefits:
No banks or credit checks needed
Low monthly payments fit a fixed retirement income
No penalties for early payoff - own sooner if you'd like
Family-owned process, simple and direct
A steady retirement should include stability. Contact us today to take the first step toward ownership. A small down payment secures this property, and your monthly payments go directly toward building equity in something real. A few years from now, you could hold the deed free and clear - no rent, no landlord, no worries.
Think about your retirement with a little more independence. Many people downsize, but renting means your housing costs never stop. Owning this land means you can eventually place a mobile home or build a small retirement house without debt or rent hanging over your head. Imagine mornings spent in peace and evenings with no one telling you what you can or cannot do on your own ground.
For some, this property will be a backup plan - a safe piece of ground for the future. Taxes are so low that even if you wait to build, it's easy to keep. It's also a smart way to leave something for children or grandchildren, a simple legacy they'll thank you for.
Picture your days here. Wake up to the sound of birds instead of traffic. Brew your morning coffee and enjoy it outside where it's quiet. Take a short drive into town for groceries or church. In the evening, you could relax with neighbors or simply enjoy your own space without anyone above or below you. Owning land gives you that independence.
Family visits become easier, too. Whether it's grandchildren coming for the summer or children visiting during the holidays, this land gives you a home base. You'll have the freedom to host without asking permission from a landlord. You'll also know that your family has a safe place to gather - a place that can stay in your family for generations.
This lot can also be your financial anchor. Rent money disappears, but land lasts. You could build when you're ready, hold as an investment, or sell later if your plans change. Either way, each payment adds to your future security. Every month you pay isn't lost to rent - it's one step closer to full ownership.
Many retirees think of land like this as a nest egg. It may not be flashy, but it's steady. It's not tied to the ups and downs of the stock market. It's not money slipping away with every rent payment. It's something real, tangible, and lasting. Even if you never build, you'll always own the ground beneath your feet.
The peace that comes with that kind of security is hard to measure. On a fixed income, knowing your housing costs will drop once you've paid off the land can make retirement easier. And with no prepayment penalties, if you ever want to pay extra, you can finish sooner and cut those costs even faster.
Interlachen offers small-town charm while giving you access to larger towns and cities when needed. Interlachen itself is only 11 minutes away with groceries, fuel, and basic services. Palatka, about 25 minutes east, offers shopping, restaurants, and medical care. Gainesville, a larger city with hospitals and big-box stores, is only 42 minutes away. And for fun day trips, St. Augustine and the Atlantic coast are about an hour to the northeast.
Nearby Communities and Services:
Interlachen (11 min, 5.0 miles)
Palatka (25 min, 14.8 miles)
Gainesville (42 min, 32.9 miles)
Exxon Gas Station (6 min, 2.3 miles)
Regional Recreation Opportunities:
Riverfront Park in Palatka (25 min)
Silver Springs State Park (52 min)
St. Augustine attractions (1 hr+)
Transportation and Accessibility:
Access via Fl-20 highway
Gainesville Regional Airport within 45 minutes
Dirt road frontage via Glisson St or Phillips Rd
Cost of Living Benefits:
Very low annual property taxes (~$73)
No HOA dues confirmed by the county
Utility setup controlled by owner (well and septic)
Land prices are far lower than coastal or urban Florida
Essential Property Details:
Apn: 06-10-25-4081-0260-0010
Subdivision: Interlachen Lakes Estates Unit 22
County: Putnam, Fl
Parcel size: 0.22 acres
Elevation: ~95 feet
GPS Center: 29.649974, -81.839755
Zoning & Development Information:
Zoned R-2 Residential
Allows single-family, mobile, or tiny homes
Mobile homes must be 1976 or newer
Must meet Florida building codes
Short-term rentals limited to 120 days per year
Utilities & Infrastructure Requirements:
Power poles visible on Glisson St and Phillips Rd
Well and septic required
Propane and waste services are available locally
Annual Ownership Costs:
Taxes: ~$73 per year
No HOA dues found
Important Restrictions:
Property is vacant and undeveloped
No camping allowed while under financing
Cannot live on the property during financing
RVs are permitted only for short-term stays with limits
We know retirement planning comes with tough choices. That's why we keep our process simple. No banks, no credit checks, no red tape. Just steady payments that build toward ownership. And if you want to pay off early, you can - with no penalties.
Affordable land with this kind of flexibility is rare. Contact us today to make it yours. A small step now can create the retirement security you've been looking for. This is your chance to own Florida soil, plan your future with peace of mind, and enjoy the freedom that comes with land of your own.
Land Maps & Attachments
Directions to Land
Driving Directions (From SR20 in Palatka, FL)
Start Point: SR20, Palatka, FL
End Point: GPS 29.649974, -81.839755 (Glisson St / Phillips Rd frontage, Interlachen Lakes Estates Unit 22, Putnam County, FL)
Total Distance: 14.8 miles
Estimated Time: 25 minutes
Start on SR20 in Palatka.
Head west on SR20 toward Interlachen.
Continue on SR20 for about 14.3 miles.
Turn right onto Phillips Rd.
Drive about 0.3 miles on Phillips Rd. Follow posted street signs for the neighborhood.
Turn left onto Glisson St.
Drive about 0.2 miles on Glisson St. Watch for property markers and lot corners.
Continue until you reach the property frontage near GPS 29.649974, -81.839755.
Arrival: Property is located along Glisson St near the corner with Phillips Rd at/near GPS 29.649974, -81.839755.
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.
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