Flat Lot Near Lakes & Town
204 Ontario St : Interlachen, FL 32148
Putnam County, Florida
Land Description
Lake Country Building Lot with No Hoa
204 Ontario St, Interlachen, FL 32148
Putnam County, Florida
Land Description
Your Gateway to Florida's Hidden Lake Country Paradise
Welcome to a pristine 0.23-Acre building lot in the heart of Interlachen Lakes Estates, where Old Florida charm meets modern convenience. This exceptional property combines everything homebuyers seek in Florida real estate - perfectly flat, buildable terrain that minimizes construction costs, mature neighborhood setting with established utilities, and a strategic location just minutes from multiple pristine lakes while maintaining the peaceful, small-town atmosphere that makes North Central Florida special.
Located on established Ontario Street in a quiet residential neighborhood, this property offers the increasingly rare opportunity to build without HOA restrictions or architectural committees dictating your choices. The generous 75x135 foot dimensions create an ideal canvas for your Florida dream home, whether that's a traditional single-family residence, a profitable duplex investment, or an efficient manufactured home perfect for retirement living.
The property's location in Putnam County's lake region places you at the center of one of Florida's best-kept secrets - a vast network of over 50 named lakes within a 20-mile radius, many with public boat ramps and fishing access. Unlike crowded coastal areas where waterfront lots cost millions, here you enjoy lake country lifestyle at a fraction of the price, with Lake Grandin just 5 minutes away and dozens more within easy reach.
Payment Options
Owner Financing Available:
Reserve Today: $398 total ($199 down + $199 documentation fee)
Monthly Investment: $199/Month for 74 months
No interest charges
No credit check required
No prepayment penalties
Plus prorated taxes & $10/Month note maintenance fee
Cash Discount Price: $8,999
Immediate ownership
$399 down payment deducted from cash price
Plus $199 documentation fee
No monthly obligations
Build or hold as long as you wish
Property Facts
Apn: 19-10-24-4074-0580-0150
Address: 204 Ontario Street, Interlachen, FL 32148
Size: 0.23 acres (10,125 square feet)
Dimensions: Approximately 75' x 135'
Legal Description: Section 19, Township 10, Range 24, Block 58, Lot 15
State: Florida
County: Putnam
City: Interlachen
Subdivision: Interlachen Lakes Estates
GPS Coordinates: 29.6239° N, 81.8756° W (approximate)
Elevation: 127 feet above sea level
Terrain: Level/flat - ideal for building
Annual Taxes: Approximately $98.68
Zoning: R-2 Residential - maximum flexibility
Flood Zone: Zone X - minimal flood risk
Wetlands: None identified
Building & Use Options
Residential Building Freedom:
Single-family homes of any size permitted
Duplex construction allowed for investment income
Manufactured/mobile homes welcome (Hud-Approved)
Modular homes perfect for quick construction
No minimum square footage requirements
No architectural review committee
No HOA restrictions or fees
Development Timeline:
No mandatory build timeline - hold as long as desired
Build immediately or land bank for future
Camp on property during construction (check county rules)
Install temporary power for construction
Perfect for phased development approach
Investment Opportunities:
Build duplex for rental income
Hold for appreciation in growing Florida market
Develop and sell for profit
Create vacation rental near lakes
Perfect Airbnb location for fishing enthusiasts
Utilities & Infrastructure
Electric: Power lines run along street - connection readily available
Water: Interlachen Water Company provides municipal service
Sewer: Septic system required (typical for area)
Natural Gas: Not available - propane common
Internet: Multiple providers including Xfinity, At&T, satellite options
Phone/Cell: Good coverage from major carriers
Streets: Paved county-maintained roads
Drainage: Level lot with good natural drainage
Location And Setting Overview
Discover Florida's Best-Kept Secret: The Interlachen Lakes Region
Your 0.23-Acre property sits in the heart of North Central Florida's remarkable lakes district, a region blessed with over 300 named lakes carved by ancient geological forces. This is authentic Old Florida - where massive oak trees draped in Spanish moss shade quiet streets, where locals still wave as they pass, and where the pace of life remains refreshingly unhurried despite being just an hour from major cities.
Interlachen's Strategic Location: The town of Interlachen, established in 1885, occupies a unique position between Lake Grandin to the north and Lake Chipco to the south. The town's name, meaning "between the lakes" in Swiss German, perfectly captures its essence. This strategic location provides residents with extraordinary access to water recreation while maintaining a peaceful, small-town atmosphere increasingly rare in modern Florida.
Putnam County Character: Putnam County remains one of Florida's most affordable and uncrowded regions, offering a quality of life that disappeared from coastal areas decades ago. The county's 50+ lakes, including the famous 7,500-Acre Lake George (part of the St. Johns River system), create a water wonderland for boating, fishing, and wildlife viewing without the crowds and costs of coastal living.
Climate Perfection: At 127 feet elevation, your property enjoys Florida's ideal climate zone - well above typical flood-prone areas, far enough inland to avoid hurricane storm surge, high enough to provide excellent drainage during summer rains, yet maintaining the warm winters that make Florida famous. This elevation places you safely above the 100-Year flood plain while still enjoying easy access to area lakes. Average winter lows in the 40s-50s eliminate heating costs while summer highs in the low 90s remain manageable with shade trees and afternoon lake breezes.
Small-Town Convenience: Downtown Interlachen, just minutes from your property, provides essential services including grocery stores, restaurants, hardware stores, and medical clinics. The town maintains its historic character with locally-owned businesses, community events, and that increasingly rare sense of neighborhood where people know each other by name.
Regional Access Benefits: Your location provides remarkable access to Florida's attractions while avoiding tourist congestion. Gainesville's university culture and advanced medical facilities lie just 45 minutes west. Historic St. Augustine and Atlantic beaches are an hour east. Palatka, the "Bass Capital of the World," is 25 minutes north. Orlando's theme parks and international airport are just 90 minutes south.
Recreational Opportunities
Your Basecamp for Endless Florida Adventures
Living in Interlachen Lakes Estates means waking up in the heart of Florida's premier freshwater recreation zone. While coastal residents deal with crowds, traffic, and extreme prices, you'll enjoy uncrowded lakes, pristine state parks, and natural springs that define authentic Florida outdoor living.
Lake Grandin - 5 minutes: This 1,900-Acre lake provides excellent bass fishing year-round, with healthy populations of largemouth bass, crappie, and bluegill. The public boat ramp offers easy access for everything from jon boats to bass boats. Sunset views across the lake are spectacular, with regular sightings of bald eagles, ospreys, and great blue herons.
Lake George - 30 minutes: Florida's second-largest lake spans 46,000 acres and connects to the St. Johns River system, allowing boat access all the way to Jacksonville. Known for exceptional bass fishing, the lake also supports striped bass, catfish, and crappie. Multiple marinas, fish camps, and waterfront restaurants dot the shoreline.
Ravine Gardens State Park - 25 minutes: This unique park features dramatic steephead ravines unusual in Florida's typically flat terrain. Miles of trails wind through the ravines, crossing suspension bridges and passing waterfalls during wet seasons. The formal gardens bloom year-round with azaleas, camellias, and native plants creating constant color.
Palatka Downtown & Riverfront - 25 minutes: This historic river city offers a charming downtown with antique shops, restaurants, and the beautiful riverfront park. The annual Blue Crab Festival draws thousands, while the Palatka-to-Palatka race showcases vintage boats. The city marina provides river access for boating to Jacksonville or south toward Orlando.
Devil's Millhopper State Park - 45 minutes: This remarkable geological formation near Gainesville features a 120-Foot deep sinkhole with miniature rainforest ecosystem at the bottom. Wooden walkways descend into the sink, passing numerous small waterfalls and rare plants. The visitor center explains the unique geology creating these formations.
St. Augustine - 1 hour: America's oldest city offers endless historical attractions including Castillo de San Marcos fort, colonial quarter, and Flagler College. The beaches provide Atlantic Ocean access for surfing, swimming, and beachcombing. Numerous restaurants, shops, and entertainment venues make this a perfect day trip destination.
Ginnie Springs - 1 hour 15 minutes: This world-famous spring system offers crystal-clear 72-degree water year-round, perfect for swimming, snorkeling, and cave diving. Tube down the Santa Fe River, camp along the springs, or simply relax in nature's perfect swimming pools. The clarity and constant temperature make this a year-round destination.
Silver Springs State Park - 1 hour 20 minutes: Home to one of Florida's largest springs and famous glass-bottom boat tours operating since 1878. The crystal-clear spring allows viewing of underwater life, while the surrounding park offers hiking, kayaking, and camping. Monkeys inhabit the forests, descendants of those from old Tarzan movies filmed here.
Wildlife And Nature
Abundant Wildlife Viewing: Your property exists within Florida's incredible biodiversity zone. White-tailed deer browse forest edges at dawn and dusk. Wild turkeys strut through neighborhoods. Gopher tortoises, a keystone species, create burrows supporting over 350 other species. The lakes attract magnificent wading birds including great blue herons, white ibis, roseate spoonbills, and wood storks.
Bird Watching Paradise: The Interlachen area sits along the Great Florida Birding Trail, with over 200 species recorded annually. Bald eagles nest along lake shores while ospreys dive for fish. Painted buntings, "rainbow birds," visit feeders. Barred owls call through the night while chuck-will's-widows provide evening songs. The mix of habitats supports extraordinary avian diversity.
Fishing Excellence: The region's 50+ lakes offer year-round fishing without fighting crowds. Lake Grandin produces trophy largemouth bass. Smaller lakes hold incredible panfish populations perfect for family fishing. The St. Johns River system, accessible via Lake George, provides striped bass, catfish, and even seasonal shad runs. Many professional bass tournaments launch from area lakes.
Building And Development Excellence
Perfect Building Conditions: Your 0.23-Acre lot's flat topography at 127 feet elevation represents the ideal building scenario in Florida. No expensive grading or retaining walls needed. No special foundation requirements for slopes. Simple, cost-effective construction whether building slab-on-grade or elevated foundation. The level terrain also simplifies septic system installation and ensures proper drainage.
Perfect Building Dimensions: Your 75x135 foot lot provides excellent proportions for residential development. The 75-foot width accommodates comfortable home placement with side yard setbacks, while the 135-Foot depth offers flexibility for home positioning, backyard space, pool installation, and detached structures like workshops or garages. These dimensions work perfectly for both single-family homes and duplex configurations under R-2 zoning.
Strategic Site Planning: The rectangular configuration optimizes land use efficiency. Position your home toward the front for maximum backyard space. Center it for balanced yards on all sides. Place it toward the rear for enhanced street privacy with deep front landscaping. The 75-foot frontage provides ample curb appeal while the 135-Foot depth ensures privacy from street traffic.
Established Neighborhood Benefits: Building in an established neighborhood provides significant advantages. Power, water, and roads already in place eliminate infrastructure costs. Existing homes demonstrate building feasibility and neighborhood character. Mature trees on neighboring properties provide windbreaks and privacy. The established setting typically means faster permit approvals.
R-2 Zoning Advantages: The R-2 residential zoning provides maximum flexibility for your building plans. Construct a single-family home of any size or style. Build a duplex for rental income to offset mortgage costs. Place a manufactured home for immediate affordable housing. The zoning accommodates various housing types while maintaining residential character.
No HOA Freedom: The absence of HOA restrictions means true property ownership. No approval needed for paint colors, fence styles, or landscaping choices. Park your RV or boat on your property. Build a workshop or large garage. Raise chickens for fresh eggs. Garden extensively. The freedom to use your property as you choose becomes increasingly valuable as HOAs proliferate across Florida.
Climate And Seasonal Living
Florida's Perfect Climate Zone: Interlachen enjoys North Central Florida's ideal climate - warm enough to never need heating, far enough inland to avoid coastal humidity extremes. Winter temperatures rarely drop below freezing, protecting tropical plants and eliminating heating costs. Summer highs reach low 90s but lake breezes and afternoon thunderstorms provide natural cooling.
Four Mild Seasons: Unlike South Florida's two-season climate, Interlachen experiences four distinct but mild seasons. Spring brings azalea blooms and perfect weather. Summer provides classic Florida warmth with dramatic afternoon thunderstorms. Fall offers relief from summer heat and excellent fishing. Winter maintains comfortable temperatures perfect for outdoor activities year-round.
Hurricane Safety: Located 50+ miles inland at 127 feet elevation, Interlachen avoids hurricane storm surge and typically experiences only tropical storm-force winds from major hurricanes. The inland location and elevation mean evacuations are rarely necessary. Insurance costs remain reasonable compared to coastal properties. Natural drainage and elevation minimize flooding risks.
Investment And Growth Potential
Florida's Population Boom: Florida continues attracting 1,000+ new residents daily, driving sustained demand for housing. Putnam County offers affordability increasingly rare in Florida, positioning it for growth as coastal areas become prohibitively expensive. Your land investment benefits from statewide growth while maintaining small-town character.
Development Potential: The R-2 zoning allowing duplex construction creates exceptional investment opportunity. Build one side to live in while renting the other for income. Develop both sides as rentals for passive income stream. The shortage of affordable housing in Florida ensures strong rental demand. Proximity to lakes attracts vacation rental potential.
No State Income Tax: Florida's lack of state income tax continues attracting retirees and remote workers. This tax advantage, combined with year-round sunshine, drives consistent population growth. Your property investment benefits from these macro trends while offering affordability missing from most Florida markets.
Land Banking Opportunity: With no requirement to build and minimal carrying costs (low taxes, no Hoa), this property works perfectly for land banking. Hold while Florida continues growing. Benefit from appreciation without active management. Build when ready or sell when values increase. The flexibility provides multiple exit strategies.
Regional Growth And Infrastructure
Transportation Improvements: Ongoing improvements to Us-17 and Sr-100 enhance regional connectivity. The new First Coast Expressway provides faster access to Jacksonville. These infrastructure investments increase property values while maintaining rural character. Your location benefits from improved access without increased congestion.
Economic Development: Putnam County actively recruits clean industry and remote workers. New business parks near Palatka create employment. Tourism related to lakes and outdoor recreation grows steadily. The economic diversification strengthens property values while maintaining quality of life.
Educational Opportunities: St. Johns River State College in Palatka provides higher education locally. University of Florida in Gainesville offers world-class education within commuting distance. Good public schools and growing private school options serve families. Educational infrastructure supports long-term growth.
Why This Property Won't Last
Flat Land Premium: Level building lots command premium prices due to construction cost savings. This completely flat parcel eliminates expensive site preparation. Most available lots require significant grading. Flat lots sell fastest in any market.
Elevated Location: At 127 feet above sea level, this property sits well above Florida's typical low-lying areas. This elevation provides superior drainage, reduced flood risk, and lower insurance costs - features increasingly valued as climate concerns grow.
No HOA Rarity: Properties without HOA restrictions become increasingly scarce as developers favor controlled communities. Buyers seeking freedom from restrictions compete for these rare opportunities. The trend toward HOAs makes unrestricted properties more valuable over time.
Lake Access Location: Being minutes from multiple lakes while avoiding waterfront prices attracts strong buyer interest. Lake recreation without waterfront maintenance appeals to many buyers. The combination of lake proximity and affordability rarely lasts long on market.
Owner Financing Advantage: Traditional lending challenges lock many buyers out of land purchases. Our owner financing opens ownership to qualified buyers regardless of credit. This financing won't remain available indefinitely as properties sell.
Florida Growth Trajectory: Florida's unstoppable population growth ensures land appreciation. Putnam County's affordability positions it for accelerated growth. Early investors benefit most from regional development. Current pricing reflects pre-growth values that won't last.
Perfect For Buyers Who Want:
Retirement Haven: Build your Florida retirement home without HOA hassles
Investment Property: Develop duplex for rental income in growing market
Weekend Escape: Create lake country retreat less than 2 hours from Jacksonville
Family Compound: Sufficient space for home, pool, and outdoor living
Remote Work Paradise: Live in paradise while working from home
Fishing Headquarters: Minutes from dozens of lakes and rivers
Land Banking: Hold appreciating Florida land with minimal carrying costs
Affordable Florida Living: Own real Florida property at reasonable price
Local Services And Amenities
Essential Services - Interlachen (5-10 minutes):
Dollar General and convenience stores
Local restaurants and cafes
Post Office
Medical clinic
Hardware store
Auto repair shops
Banking services
Full Services - Palatka (25 minutes):
Walmart Supercenter
Publix, Winn-Dixie supermarkets
HCA Florida Putnam Hospital
Multiple pharmacies
Restaurants and fast food
Home Depot
Government services
Advanced Services - Gainesville (45 minutes):
UF Health Shands Hospital (Level 1 Trauma Center)
Multiple shopping centers and malls
Whole Foods, Trader Joe's
Entertainment and cultural venues
Gainesville Regional Airport
Major retail and services
100-Day Satisfaction Guarantee
Purchase with confidence knowing you have 100 days to visit the property and ensure it meets your expectations. If not completely satisfied, we'll refund your principal payments or exchange for another property in our inventory. This guarantee allows you to secure the property now without risk.
Annual Ownership Costs
Property taxes: Approximately $98.68 (about $8.23/Month)
No HOA fees
No special assessments
No mandatory maintenance fees
No CDD fees
Driving Directions
From Interlachen town center, head east on Fl-20 E. Turn right onto County Road 315, then right onto Ontario St. Property will be on the right at 204 Ontario St.
Secure Your Florida Lake Country Property Today
This exceptional 0.23-Acre level building lot at 127 feet elevation in Interlachen Lakes Estates represents one of Florida's best land values. The combination of perfect flat terrain, R-2 zoning flexibility, no HOA restrictions, superior elevation, and proximity to dozens of recreational lakes creates an opportunity rarely found in today's Florida real estate market.
With established utilities, paved roads, and a quiet neighborhood setting, you avoid the challenges of raw land while maintaining complete building freedom. Whether you're planning immediate construction or long-term investment, this property provides the perfect foundation for your Florida dreams.
Properties offering this combination of features, location, and pricing disappear quickly in Florida's hot real estate market. Don't let another buyer claim your future homesite.
Ready to make this yours? Call or email now using the Contact Owner section to reserve this property today with just $449 down. Your Florida lake country lifestyle awaits.
Note: Information presented in this listing is deemed accurate but is not guaranteed. Buyers are advised to conduct their own due diligence and verify all details independently.
Land Maps & Attachments
Directions to Land
Driving Directions from Interlachen
From Interlachen town center, head east on FL-20 E. Turn right onto County Rd 315, then right onto Ontario St. Property will be on the right.
More Land Details
Land Price History
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