Retirement Nest, Low Monthly Cost
328 Palm Way : Georgetown, FL 32139
Putnam County, Florida
Land Description
Retirement should be about peace of mind, not stress over rising rent or wondering if you'll have a place to call your own. For many retirees living on a fixed income, the idea of owning land feels out of reach. But it doesn't have to be. With this 0.46-Acre property in Georgetown, Florida, you can secure a piece of land affordably and simply-no banks, no credit checks, and no red tape. Every payment brings you closer to owning something real that's yours forever. This property is more than dirt and trees-it's security, stability, and a legacy you can pass down. Whether you're planning for retirement living in a mobile home, creating a quiet retreat, or just securing a backup plan, this is a chance to invest in peace and independence.
Pricing Options
-Owner financing: $250 doc fee (nonrefundable) + $500 down + $289/Month for 84 months
-Discounted cash price: $17,700.00 + $250 doc fee (nonrefundable)
This 0.46-Acre wooded property is located on Palm Way in the Paradise Lakes Unit 2 subdivision of Putnam County, Florida. At nearly half an acre, it gives you more space than a standard lot, with room for your plans now or in the future. The road is gravel and county-maintained, with power poles visible along Palm Way. You'll set up well and septic when it's time to build, giving you independence from city utilities. While the property does sit in a flood zone area, many homes are successfully built in this region with proper planning. The lot is private and peaceful, yet still close to Welaka, Palatka, and St. Augustine for convenience.
Key Property Features:
• Spacious 0.46-Acre wooded parcel-almost double the size of typical lots
• Access from Palm Way, a gravel road maintained by the county
• Power poles visible at the road, with well and septic needed
• Located in Paradise Lakes Unit 2, part of a quiet lakeside community
• Affordable taxes and simple ownership structure
Future Development Options:
• Build a single-family residence or mobile home (1980 or newer)
• Place a tiny home (400+ sq ft, permanently installed) for simple living
• Use as a retirement retreat once paid off
• Hold long-term as a low-cost investment for family security
Financing Benefits:
• No banks or credit checks needed
• Manageable monthly payments of $289
• No pre-payment penalty-pay off early if you'd like
• Simple, straightforward purchase with a family-owned seller
Opportunities like this don't last long, especially with flexible financing. Contact us today to make this property yours.
Imagine reaching retirement with a piece of land already paid off. Instead of worrying about landlords or rising rent, you'll own your future. A property like this lets you plan ahead while staying within your budget. At under $300 a month, it's an affordable way to turn fixed income into something lasting.
For many retirees, this lot can serve as a safety net. Even if you don't move right away, the land is there waiting for you. Life can bring changes, but having a property deed in your name gives you peace of mind. Whether you build a mobile home, set up a tiny home, or just keep the property as a backup plan, you'll always know you have a place to go.
This land also works as a retreat. Georgetown offers a slower pace of life, surrounded by lakes and natural beauty. You're not surrounded by noise and traffic-you're tucked away in a peaceful community, with room to relax. At the same time, you're not far from groceries, gas, or medical care, so you never feel isolated.
Nearby Communities and Services:
• Welaka, FL - 15 minutes (local shops, small-town convenience)
• Palatka, FL - 39 minutes (larger town with shopping, dining, and healthcare)
• St. Augustine, FL - about 1 hour (historic city, beaches, and culture)
• Circle K gas station in Pomona Park - 19 minutes away
Regional Recreation Opportunities:
• Ravine Gardens State Park - 39 minutes (gardens, trails, and events)
• Fountain of Youth Archaeological Park - 1 hour 7 minutes (historic landmark)
• Lightner Museum in St. Augustine - 1 hour 6 minutes (art and culture)
Transportation and Accessibility:
• Nearest highway: Fl-15 for local and regional travel
• Gainesville is about 1.5 hours away for major services and airport access
• Car-dependent area, but all essentials are within 15-40 minutes
Cost of Living Benefits:
• Low annual property taxes of just $45.24
• Affordable HOA dues of only $45 per year per lot
• Utilities managed directly, keeping monthly costs simple
• Land prices in this area are still affordable compared to surrounding counties
Essential Property Details:
• Parcel number: 08-13-27-7061-0430-0350
• Size: 0.46 acres (two combined lots)
• Address: 328 Palm Way, Georgetown, FL 32139
• County: Putnam, Florida
• Subdivision: Paradise Lakes Unit 2
Zoning & Development Information:
• Zoned Residential, Two-Family (R-2)
• Allows single-family homes, mobile homes (1980 or newer), and tiny homes (400+ sq ft)
• Building permits valid for 180 days, extensions available
• Community subject to Cc&Rs-Review before building
Utilities & Infrastructure Requirements:
• Electricity available via Clay Electric or Florida Power & Light
• Well and septic required for water and sewer
• Gas service available from local propane providers
• Waste services available through county-approved haulers
Annual Ownership Costs:
• Property taxes: $45.24 per year
• HOA dues: $45 per lot, per year (covers shared community costs)
Important Restrictions:
• Property is vacant and undeveloped
• Camping and RV use not allowed while financing
• Permanent residence only after the property is paid off
• Tiny homes must be over 400 sq ft, permanently attached
Buying land can feel overwhelming, but we keep it simple. We handle the paperwork, explain every step, and never surprise you with hidden fees. With no banks, no credit checks, and no penalties for early payoff, this is an easy way to move toward land ownership. We're a family-owned business, and we treat every buyer with honesty and respect.
Affordable land like this is rare, especially with nearly half an acre of space. Don't wait until someone else grabs it. Contact us today to secure this property and take the first step toward a safe, stable retirement.
Land Maps & Attachments
Directions to Land
Driving Directions (From SR20 in Palatka, FL)
Start Point: SR20, Palatka, FL
End Point: 328 Palm Way, Georgetown, FL - Property near GPS 29.38527, -81.59703
Total Distance: 28.4 miles
Estimated Time: 39 minutes
Start on SR20 in Palatka.
Head to the intersection with US-17 / SR-15.
Turn south onto US-17 / SR-15.
Continue on US-17 / SR-15 for about 17.9 miles.
Watch for signs for Georgetown, Welaka, or local roads to Paradise Lakes.
Turn left onto the local road that leads toward Georgetown / Paradise Lakes.
Continue on that local road for about 9.5 miles. Follow county road signs and neighborhood markers.
Turn onto Palm Way when you see the street sign for Paradise Lakes Unit 2.
Drive about 1.0 mile on Palm Way.
Continue until you reach the property frontage near GPS 29.38527, -81.59703.
Arrival: Property is located along Palm Way at/near GPS 29.38527, -81.59703.
Access Notes:
Road surface type: SR20 and US-17 are paved. Local access roads to Palm Way are gravel. Palm Way is gravel.
Seasonal notes: The parcel is in a designated flood/wetland area. Roads and the site can be soft or wet after rain. Low-clearance cars may have trouble when wet.
Reminder: Download maps before travel; cell service may be limited.
Note: These directions are a best-effort route based on the property report and common local roads. I could not validate them with live maps right now, so please confirm the final route with a navigation app before you go.
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