Interlachen Lakeside Retreat
Interlachen, FL 32148
Putnam County, Florida
Land Description
Looking for a quiet spot to build your next chapter? This wooded lot in Interlachen Villas gives you space to create, breathe, and take a break from the busy pace of everyday life. Set on a peaceful street with just one neighbor across the way, you'll have the freedom to design a home that fits your lifestyle-whether that's a small modern house or a comfortable mobile home built to code. With power nearby, and easy access to the lot from either Lily Trail or Lake Lucy Court, getting started is simple.
Surrounded by the natural beauty of Putnam County, you're close to some of Florida's best outdoor escapes. Take a hike or go birdwatching at Rice Creek Conservation Area just 15 minutes away. Spend a weekend afternoon exploring the winding trails and hanging gardens of Ravine Gardens State Park, or cool off under the trees at Silver Springs, known for its crystal-clear water and famous glass-bottom boats. If you love being outdoors, this location gives you endless ways to stay connected to nature.
Whether you're looking to downsize, invest, or finally build something of your own, this property offers a solid starting point. The trees give you privacy and shade, and the area gives you space to grow-without the noise.
We are open to owner financing as well - here is what that would look like:
- Total Money Down: $599 ($349 downpayment + $250 closing cost)
- Monthly: $299/Month for 36 months
See Info below.
- Subdivision: Interlachen Villas
- State: Fl
- County: Putnam
- Zip:
- Size: 0.29
- Parcel: 07-10-24-4211-0080-0140
- Legal Description: Interlachen Villas MB4 P125, BLK 8 Lot 14
- Approximate Lat/Long Coordinates:
29.640754, -81.935754 N
29.640546, -81.935543 E
29.640354, -81.935804 S
29.640555, -81.936036 W
- Annual Taxes: Approximately 110.93/Year
- Zoning: Residential, Two-Family-R-2
--- Residential - Single Family Home
--- Camping and RVs are not allowed
--- Mobile homes are permitted. They cannot be older than 1976 and must meet code and placement requirements.
--- Tiny homes are permitted. They must meet code and placement requirements.
--- Building permits expire within 180 days of issuance if work has not been started.
--- For questions, contact the planning department
- Hoa/Poa: Unable to locate, if any.
- Improvements: None
- Access: Lily Trl or Lake Lucy Ct
- Water: Would require a well.
- Sewer: Would require a septic system
- Utilities: Power poles on street, would have to contact Clay Electric Cooperative
Note: Information presented on this page is deemed accurate, but is not guaranteed. Buyer is advised to do their own due diligence
---
Location and Setting Overview
Tranquil Lakeside Community: Nestled in the Interlachen Villas subdivision of Putnam County, Florida, this 0.29-Acre wooded lot offers a peaceful rural setting amid lush greenery. The property sits on a quiet street with only one neighbor, providing privacy and a relaxed pace of life. Tucked just across the road from Lake Lucy, a 26-acre freshwater lake, you'll enjoy boating, fishing, and serene waterfront views practically at your doorstep. Interlachen Villas is known for its quiet streets and natural surroundings, giving you a sense of country tranquility without isolation.
Prime North Florida Location: Despite its calm atmosphere, this location strikes the perfect balance between seclusion and accessibility. The lot has road frontage on both Lily Trail and Lake Lucy Court, making it easy to reach from State Road 20, the main highway linking local towns. You are centrally positioned between Gainesville and Palatka, with each city less than 45 minutes away. That means commutes to urban amenities are short - roughly 30 miles west to Gainesville (home of the University of Florida) and 17 miles east to Palatka (Putnam County's seat). Major destinations are within convenient reach: Jacksonville lies about 90 minutes northeast and historic St. Augustine and Atlantic beaches are only around an hour's drive away. You can enjoy a day at the beach in St. Augustine or Crescent Beach and be back home by evening. Meanwhile, nearby small towns like Interlachen and Palatka provide everyday necessities without city congestion.
“Between the Lakes” Heritage: The town of Interlachen itself (whose name fittingly means “between the lakes”) carries a charming small-town vibe and rich history. Founded in the late 1870S when the Florida Southern Railway opened up the area, Interlachen quickly developed as a winter vacation resort and citrus-growing hub during the Gilded Age. Dozens of natural lakes scatter the area - more than 28 within the town limits - giving Interlachen its name and enduring appeal. Today, residents enjoy that same scenic lakeland character with modern conveniences close by. The friendly, close-knit community and the legacy of being a 19th-century retreat town lend a welcoming, nostalgic atmosphere. Living here, you'll truly feel connected to “old Florida” charm while building your own new chapter.
Easy Access with Rural Privacy: This property offers year-round access via maintained county roads (no 4x4 needed), ensuring you can reach your land easily in any season. Being just a third of a mile off paved Cr-337 (Kenneth St/Lake Ida Rd) means you have quick routes to town, yet the immediate surroundings are quiet and filled with nature sounds instead of traffic noise. There is no hustle and bustle here - just the occasional boat motor on the lake or birds chirping in the trees. The land's gentle tree cover buffers you from neighbors and roadway, creating a natural privacy screen. You'll enjoy the freedom of country living - ample space to spread out, plant a garden, or simply breathe - without feeling isolated or “in the middle of nowhere.” It's the ideal blend of convenience and seclusion that so many seek in a homesite.
Community and Nearby Amenities: Despite the rural feel, everyday essentials are close at hand. The town of Interlachen is just 5 minutes away, where you'll find grocery stores (like Hitchcock's Market), a Dollar General, local shops, and cafes. A family health clinic (Interlachen Family Health Center) serves basic medical needs in town, and for more advanced healthcare, HCA Florida Putnam Hospital in Palatka is only 20 minutes east. Families will appreciate that schools are a short drive from the property - Interlachen Elementary, C.H. Price Middle, and Interlachen High School are all located in or near town for easy drop-offs and pickups. Need more shopping or services? Palatka offers big-box retailers (Walmart Supercenter, Home Depot) and chain restaurants, while Gainesville features malls, entertainment, and world-class medical facilities (UF Health Shands Hospital) less than an hour away. Living here means you can enjoy country peace without giving up access to quality healthcare, education, and shopping hubs.
Outdoor Recreation and Nature Opportunities
Lakes, Boating and Fishing: With Lake Lucy right across the street, and Lake Ida and Lake Grandin only minutes away, this property is a dream for water-lovers and anglers. Lake Lucy spans about 26 acres and is perfect for paddling a canoe or casting a line for bass and bream. Larger Lake Ida (within 2 miles) and Lake Grandin (about 5 miles) offer even more fishing and small boating opportunities - locals enjoy everything from bass fishing at dawn to sunset pontoon cruises on these peaceful waters. To the east, the St. Johns River - one of Florida's premier fishing rivers - flows through Palatka and hosts renowned bass tournaments. Public boat ramps in Palatka put you on the St. Johns for endless boating, from cruising and water-skiing to exploring scenic creeks. Whether you prefer a quiet morning of kayaking on a foggy lake or chasing trophy largemouth bass on the river, you'll find water recreation in every direction. And if you're up for a bigger adventure, the Atlantic Ocean beaches are close enough for an easy day trip of surf fishing or saltwater boating.
Hiking, Parks and Eco-Adventures: This area is rich in parks, forests, and trails that showcase the best of natural Florida. Just 15 minutes east is Rice Creek Conservation Area, a 9-square-mile preserve where you can hike through old cypress swamps and pine flatwoods. It features the famous Hoffman's Crossing boardwalk, an 1,886-Foot boardwalk that winds deep into a cypress swamp teeming with ferns and wildflowers - a truly magical hike. If you love nature walks, you're also near the Florida Trail (a National Scenic Trail) which passes by Rice Creek and connects to the Palatka-Lake Butler State Trail, offering miles of hiking and biking. In Palatka, Ravine Gardens State Park offers a very different experience: two deep ravines up to 120 feet high filled with tropical vegetation, waterfalls, and swinging suspension bridges on the trails. In spring (February), the slopes explode with thousands of blooming azaleas, drawing photographers and garden enthusiasts from all over. You can drive the 1.8-Mile loop or hike/bike the garden trails for stunning scenery. To the south about 30-40 minutes is the edge of Ocala National Forest, which boasts springs, off-road trails, and the Florida Black Bear Scenic Byway. Here you can swim in crystal-clear natural springs like Silver Glen or Juniper Springs, hike sand pine scrub trails, or ride ATVs on designated forest roads. This property truly sits at the gateway to countless outdoor adventures - from birdwatching and nature photography to more adrenaline-fueled fun.
Springs and Old Florida Attractions: A short drive (about 45 minutes) brings you to Silver Springs State Park, one of Florida's most iconic natural attractions. Silver Springs was Florida's first major tourist attraction, famous for its glass-bottom boat tours that have operated since the 1870S. Gliding over the gin-clear spring waters, you can view fish, turtles, and ancient artifacts on the riverbed - an experience unchanged for over a century. The park also offers kayaking on the Silver River, which is so transparent you can see fish and grass 30 feet down. As you paddle or take a boat ride, watch for wildlife: the Silver Springs basin is home to manatees in winter and even a colony of wild Rhesus monkeys (a quirky part of Florida history.) that sometimes can be spotted in the trees. Other nearby springs include Salt Springs, Juniper Springs, and Alexander Springs in the Ocala Forest - all great for swimming or snorkeling on a hot summer day. And if you're willing to venture a bit further, the world-famous Ichetucknee Springs (tubing paradise) and Rainbow Springs (waterfalls and gardens) are within a day trip. Living here means you're never far from Florida's unspoiled natural wonders, whether it's drifting down a spring run under a canopy of cypress or exploring an old-growth swamp boardwalk.
Wildlife and Hunting: Putnam County is known for its abundant wildlife and lies within one of Florida's prime outdoor regions. While your 0.29-Acre lot is for residential use (no hunting on the property), you're a short drive from public lands teeming with game and wildlife viewing opportunities. The nearby Etoniah Creek State Forest & Wildlife Management Area (15 minutes north) offers 8,800+ acres for seasonal hunting of deer, turkey, and small game with a permit, as well as hiking trails for viewing wildlife. Ocala National Forest (to the south) and Belmore State Forest (to the northeast) are additional large public lands where hunting and fishing are popular in season. Even on your own property and around the neighborhood, don't be surprised to encounter Florida's native fauna. White-tailed deer often wander at dusk, wild turkeys forage in the woods, and you might hear the calls of sandhill cranes or see egrets and herons by the lakeshore. The region's woods and waters are habitat for bobcats, foxes, otters, bald eagles, and more. At Silver Springs and area parks you can glimpse armadillos, gopher tortoises, and maybe a shy black bear or family of playful river otters if you're lucky. Of course, this is Florida, so alligators are present in most waterways - a thrilling sight from a safe distance, especially in the St. Johns River and larger lakes. Whether you're a hunter, birdwatcher, or photographer, the surrounding area provides a front-row seat to Florida's outdoors and wildlife. seat to Florida's outdoors and wildlife. Each season brings its own natural wonders - from spring bird migrations to autumn deer rut - ensuring there's always something to appreciate in nature's calendar.
Building and Development Options
Flexible R-2 Zoning - Build Your Way: This lot is zoned Residential-2 (R-2), one of the most flexible residential zones in Putnam County, which opens up a world of possibilities for development. You can build a site-built single-family home of virtually any style - whether you envision a cozy cabin, a modern farmhouse, or a traditional block home, you have the freedom to create it here. Manufactured and modular homes are also welcome, as long as they meet HUD standards (built 1976 or newer) and are properly installed on a foundation. In fact, mobile homes are explicitly permitted in R-2 - a huge plus if you're looking for an affordable or quick housing option. The county allows tiny homes and small cabins too; there's no minimum square footage written in the code (500 sq ft is a practical minimum), so you can design an efficient tiny house or cottage that maximizes the use of this quarter-acre. Want to start with a manufactured home now and perhaps build a custom home later? That's possible, since there are no time limits to build and no HOA rules to worry about. Many neighboring properties have a mix of site-built homes and newer mobile homes, reflecting this build-your-way ethos. Whatever dwelling style suits your needs and budget, chances are it's allowed on this property - giving you a rare level of control over your investment and vision.
Plan for a Lifetime (or Two): The “Residential Two-Family” designation (R-2) means you could even build a duplex or two-unit structure if you desired, or a home with an in-law suite/rental apartment. This adds potential for rental income or multigenerational living. Perhaps you'll build a main house and, down the line, add a small guest cottage or a studio - the zoning supports that flexibility (subject to building permits). Accessory structures like garages, workshops, sheds, or greenhouses are allowed as well. Have a boat or RV? You can construct a proper shelter for it on your land. Unlike tightly regulated subdivisions, here you won't be hounded by strict architectural guidelines or HOA design committees. The only guidelines are basic county building codes to ensure safety and quality. Speaking of which, building permits are straightforward - you'll obtain them through Putnam County's Planning & Development office, and once issued, you have 180 days to start work (permits remain active as long as progress continues). The county officials are friendly and can advise on meeting codes for things like hurricane tie-downs for mobile homes or foundation requirements for tiny houses. We even provide the phone number for the Planning Dept ) so you can get all your questions answered easily. In short, this property is a blank canvas without red tape - ready for you to design your ideal living situation, whether that's a simple getaway cabin or a full-size family home.
No HOA and Minimal Restrictions: Another huge benefit - NO HOA or Poa. You won't have extra dues to pay, and no association telling you what you can or can't do with your land. Want to paint your house a funky color, put up a backyard fence, or park your boat trailer on the lot? Go for it. The freedom here is refreshing compared to cookie-cutter subdivisions. The neighborhood is an informal lake community where people mind their own business but are there to lend a hand if needed. Because there's no homeowners association, you also save money and avoid restrictive covenants. The only regulations are county-wide ones (for example, keeping the property tidy and not using it as a dump - common sense stuff).
Camping and RVs: While you can't live permanently in an RV or tent here (no camping as a residence per county rules), you might be allowed to park an RV temporarily during construction with a permit. Many owners bring in their RV while they build so they can oversee the process - an approach to discuss with county planning. Once your home is built, you'll have the pride of homeownership with true independence - your land, your rules.
Utilities and Infrastructure: The lot is undeveloped, giving you the advantage of deciding how to set up your utilities to best suit your plans.
Electricity: There are power poles on the street in front of the property, serviced by Clay Electric Cooperative
Property Info: This means hooking into the grid should be relatively simple - no long distance to run lines. Many neighbors have already connected, so power is proven to be available. If you prefer renewable energy or backup power, Florida's abundant sunshine makes solar panels a great option as well.
Water: Like most homes in the area, you will install a well for fresh water. The water table is ample in this lake-rich region, and local well drillers can typically find good potable water at reasonable depths. Once your well is in, you'll have your own independent water supply (and no monthly water bills.).
Sewer: Similarly, you'll install a septic system for wastewater, as municipal sewer lines do not yet extend to this rural neighborhood.
Property Info: A conventional septic tank and drain field works well in the sandy soils here, providing long-term service with routine maintenance. This also frees you from sewer bills and gives you full control over your waste system.
Internet/Phone: Cell phone coverage in Interlachen is solid (major carriers have signal here), and for internet, options include satellite internet, cellular hotspots, or possibly cable/DSL as it expands outward from town. Many folks are able to work from home using modern satellite broadband (Starlink, for example).
With power on the street and well/septic as standard, you can have all the comforts of a modern home in a self-reliant setup. Essentially, once you add the well and septic, this lot will have the same utilities as any suburban house - but with the perk that you control those systems.
Land Characteristics - Ready to Build: The parcel itself features a flat to gently sloping terrain with good drainage (the elevation here is around 100 feet above sea level). It sits in Flood Zone X (no flood insurance required), meaning it's high and dry and not in a 100-Year floodplain. You won't have to worry about seasonal flooding issues that plague lower-lying Florida lots. The soil is likely a sandy loam typical of the region, which means it percolates well for septic and is easy to excavate for foundations. The lot is currently wooded with a The lot is currently wooded with a mix of pine and oak trees, offering natural beauty and shade. You have the option to clear as much or as little as you desire - keep some mature trees for aesthetics and summer cooling, or open up an area for gardening and structures. The underbrush isn't too dense, making initial land clearing straightforward. With almost a third of an acre, you'll have space for a comfortable home footprint, a yard, and additional structures like a garage or pool if you wish. The dimensions (approximately 87 feet x 125 feet ) provide a nice rectangular canvas. There's ample “elbow room” compared to cramped city lots, yet maintenance remains manageable. Whether you're envisioning a one-story ranch with a big porch, a two-story home to catch lake breezes, or even a modular home brought in on wheels - this lot can accommodate it. Bring your builder or ask us for local contractor recommendations - we're here to help make your dream home a reality.
Off-Grid Potential and Sustainable Living
Off-Grid Friendly Features: If your goal is to live sustainably-or even fully off-grid-this property is an excellent candidate. With no HOA restrictions and flexible zoning, you have the freedom to implement alternative systems. Solar energy is a natural fit: Florida's abundant sunshine and the lot's open exposure make it ideal for solar panels. You could supply much of your electricity needs through a solar array, with the option of battery storage for a fully off-grid setup. If you prefer a hybrid approach, net-metering through Clay Electric allows you to sell excess power back to the grid.
Self-Sufficient Utilities: Your own well and septic system already provide independence from municipal services. Modern solar-powered well pumps or generator backups ensure water supply even during power outages. Propane is readily available for stoves, water heaters, and backup heating-allowing for minimal reliance on electricity. The lot also offers space for a garden, fruit trees, or small livestock, giving you the tools to create a truly sustainable homestead.
RV Living While Building: For those who prefer a gradual build or DIY approach, Putnam County offers temporary use permits, allowing on-site RV or travel trailer living during construction (typically six months, with possible extensions). This setup lets you enjoy your property from day one, monitor construction closely, and save on rental costs. Imagine waking to misty lake mornings, planning your dream cabin while already enjoying the land.
Agriculture and Homesteading: While R-2 zoning is not agricultural, hobby farming is possible. Backyard poultry, small gardens, and fruit trees are all viable. The long Florida growing season and fertile soil allow for vegetables, berries, or even greenhouse cultivation. Fishing in nearby lakes, combined with small-scale gardening, supports a self-reliant lifestyle.
Community Resources: Even while living independently, you'll have access to a helpful rural community. Local farmers' markets, supply stores, and online groups offer guidance, trade, and support. The “neighbor helping neighbor” ethos is strong here, creating a supportive yet private environment for off-grid living.
Investment and Market Analysis
Affordable Land in a Growing State: Florida continues to grow rapidly. While urban and coastal areas see the most dramatic increases, inland communities like Interlachen benefit indirectly from regional growth. Putnam County remains affordable yet strategically located between higher-growth areas such as Gainesville and St. Augustine, offering strong potential for property value appreciation. This 0.29-Acre lot provides a rare combination: buildable land with no Hoa, low taxes, and a desirable environment.
Multiple Buyer Appeal: This property is versatile and appeals to various buyers-investors, primary homeowners, retirees, or rental property seekers. Low taxes (~$110/Year) make it inexpensive to hold, while the option for owner financing allows acquisition without a bank loan. Whether you plan to build your own home, develop a rental, or flip the property in the future, there's potential for strong returns.
Regional Developments: Interlachen and nearby Palatka benefit from infrastructure improvements, new job opportunities, and economic investment. Projects such as road upgrades, industrial expansions, and increased remote work potential contribute to rising demand for affordable housing in quiet, accessible communities.
Low Carrying Cost and Financing: Holding costs are minimal, and owner financing is available with a low down payment and manageable monthly payments-providing a low-risk entry into Florida real estate. Payments contribute to equity, and there is no prepayment penalty, giving flexibility to pay off early or refinance.
Exit Strategies: The property supports multiple exit strategies. Build and sell a home for profit, hold raw land for future appreciation, develop a rental property, or create a short-term vacation rental. The location's lake access, mild climate, and rural charm appeal to retirees, anglers, nature lovers, and remote workers alike. This property offers both immediate usability and long-term investment potential.
Conclusion - Your Next Chapter Begins Here
Your Gateway to the Florida Lifestyle: This property isn't just land-it's the opportunity to embrace the Florida lifestyle you've been dreaming of. Whether you're seeking a peaceful retirement, a safe environment to raise a family, a weekend escape for outdoor adventures, or a smart investment, this Interlachen Villas lot delivers. You'll have the freedom to build a custom home, place a quality manufactured home, start a hobby farm, or simply create your own private retreat. With forested privacy, open skies, and Lake Lucy glimmering through the trees, every day brings the chance to enjoy nature, from spotting deer at dawn to teaching your child to fish after school. In a world that's growing busier, this property remains a haven of calm, beauty, and modern convenience just minutes away.
Affordable, Accessible, and Asset-Building: Florida land is increasingly valuable, and this parcel stands out as one of the best values on the market. Annual taxes are ultra-low, there are no HOA fees, and flexible owner financing (just $599 down and $299/Month) makes ownership attainable. For roughly the cost of a car payment, you can secure real estate-a tangible, appreciating asset that you can enjoy now. Even if you're not ready to build immediately, owning this lot locks in your future options: hold it as a nest egg, resell later, or gradually develop your retirement retreat. Unlike other investments, this one comes with sunshine, pine trees, and memories waiting to be made.
Act Now - Opportunities Like This Are Rare: This is a clean, build-ready lot in a lovely area with financing available. Nothing beats seeing it in person, and we encourage you to contact us for more information, maps, or to arrange a visit. Walk the land, meet the community, and ask questions-you'll gain confidence in your purchase. In today's market, land that offers lifestyle, flexibility, and investment potential rarely stays available for long. This is your chance to claim a piece of the Sunshine State and turn it into something truly special for you and your family.
Imagine a year from now sitting under your own oak tree, drink in hand, watching the sun set over the lake, knowing you made a great decision. The sooner you act, the sooner that vision can become your daily life. Don't let this slice of Florida paradise slip away-contact us today to make it yours.
Disclaimer: Information provided is deemed reliable and gathered from local sources, but buyers should perform their own due diligence. Property details, including zoning and allowable uses, were accurate at the time of listing, though laws and codes may change. Verify all information with Putnam County agencies and conduct any inspections or surveys you feel necessary. We are here to guide you through a smooth purchasing process and answer any questions-your confidence and satisfaction are our priority.
Secure your future in this beautiful location-we can't wait to welcome you to Interlachen Villas.
Land Maps & Attachments
Directions to Land
From Interlachen to the property:
Head east on Washington St toward Tropic Ave for 0.2 miles.
Turn left onto S County Rd 315 and continue for 0.2 miles.
Turn left onto FL-20 W and continue for 2.9 miles.
Turn right onto Lakeview Trail and continue for 1.1 miles.
Turn left onto Lake Lucy Cir and continue for 0.2 miles.
Turn left onto Lake Lucy Ct/Lily Trail and continue for 190 feet.
Destination will be on the right.
RetryClaude can make mistakes. Please double-check responses.
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