Build Your Dream Home by The Lake
Panama St Interlachen Lakes Estates : Interlachen, FL 32184
Putnam County, Florida
Land Description
Peaceful Cul-de-Sac Lot Near Lakes in Interlachen
Panama St : Interlachen, FL 32148
Putnam County, Florida
0.23 Acres
$9,999 Usd
Welcome to your opportunity to own an affordable 0.23-Acre lot on a peaceful cul-de-sac in Interlachen, Florida-where "between the lakes" lifestyle meets exceptional value, quiet neighborhood living, and the best of Florida's natural lake region. This property stands out with its premium cul-de-sac positioning providing privacy and low traffic, location in Interlachen's lake-studded region offering year-round outdoor recreation, and unbeatable price at under $10,000 making land ownership accessible to virtually everyone.
Located on Panama St in a well-established neighborhood in Interlachen, this residential lot sits in one of Putnam County's most affordably priced yet naturally beautiful communities. The cul-de-sac location provides significant advantages over through-street lots: reduced traffic with only local residents accessing the street, enhanced safety for families with children, quieter environment with less road noise, increased privacy with neighbors only on one or two sides, and premium positioning that typically commands higher values in established neighborhoods.
Interlachen literally means "between the lakes" in German, and the town lives up to its name. You're surrounded by Lake Alto, Lake Grandin, Blue Pond, and numerous other lakes providing excellent fishing, kayaking, and water-oriented recreation. Imagine owning your own piece of Florida on a quiet cul-de-sac where you can build an affordable retirement cottage, place a manufactured or modular home, or hold as an investment while enjoying immediate access to some of Central Florida's best freshwater fishing-all for less than $10,000.
At 0.23 acres (approximately 10,019 square feet), this property provides a standard residential building lot with dimensions of approximately 75 feet by 135 feet-adequate space for a home up to 1,400 square feet, driveway, yard, and landscaping. This lot size offers tremendous advantages: the most affordable entry into Interlachen's lake region at under $10K, very affordable annual property taxes of just $98.68 (about $8.22/Month), manageable site preparation and maintenance costs, and a perfect balance of space and affordability.
The terrain is typical of Putnam County-relatively level with sandy soils that drain well, making foundation work, septic installation, and landscaping straightforward and cost-effective. Some clearing will be needed to prepare a building site, but the work is manageable, keeping development costs reasonable.
Power is available on Panama St, simplifying utility connections. You'll need to install a well for water (standard for rural Florida, providing unlimited fresh water with no monthly bills) and a septic system for wastewater. Florida's sandy soils are ideal for conventional septic systems that last for decades with minimal maintenance.
The property is zoned R-2 Residential, allowing site-built homes, modular homes, and other residential structures per Putnam County regulations. This zoning provides flexibility in construction approach-whether you want traditional stick-built construction or factory-built modular homes for efficiency and cost savings.
Best of all, there's no HOA and no time-to-build restrictions-no monthly fees, no restrictive covenants, no architectural committees, and no pressure to build on anyone's timeline but your own. This is your land, and you have complete freedom to develop it when and how you choose within Putnam County's reasonable building codes.
Whether you're a first-time land buyer seeking the most affordable entry into Florida property ownership, a fishing enthusiast wanting a home base near excellent lakes, a retiree on a fixed income seeking affordable Florida living in a peaceful cul-de-sac, or an investor looking to acquire Florida land at exceptional value, this property delivers.
The location in Interlachen provides perfect balance-peaceful cul-de-sac living surrounded by fishing lakes and nature, yet within 25 minutes of Palatka's services, 35-40 minutes from Gainesville's comprehensive amenities, reasonable distance from Orlando's attractions, and positioned in Central Florida's lake region.
We're making land ownership accessible with incredibly affordable financing:
Cash Discounted Price: $9,999 (under $10K.)
Easy Owner Financing Available:
- Down Payment: $255
- Documentation Fee: $249 (one-time)
- Total Due Today: $504
- Monthly Payment: $225/Month for 72 months
- Total if Financed: $16,704 over 6 years
Own nearly a quarter-acre on a quiet cul-de-sac in Florida's lake district for just $504 down and $225 per month-less than most people spend on cable TV and streaming services. No credit checks, no bank hassles, no complicated approval process.
See Info Below:
- Property Address: Panama St, Interlachen, FL 32148
- State: Florida
- County: Putnam
- Zip: 32148
- Size: 0.23 acres (approximately 10,019 square feet)
- Lot Dimensions: Approximately 75 feet x 135 feet
- Parcel/APN: 18-10-24-4074-0560-0060
- Location: Cul-de-sac (premium positioning)
GPS Coordinates:
- Center: 29.616667, -81.942889
- NW Corner: 29.616806, -81.943000
- NE Corner: 29.616806, -81.942806
- SE Corner: 29.616500, -81.942806
- SW Corner: 29.616500, -81.943000
- Annual Taxes: Approximately $98.68/Year (only $8.22/Month)
- Zoning: R-2 Residential (Allows site-built homes, modular homes)
- Hoa/Poa: None - No HOA fees or restrictions
- Time to Build: No restrictions - Build on your timeline
- Improvements: Natural vegetation
- Access: Panama St (County-maintained, cul-de-sac location)
- Water: Private well required (typical depth 100-200 feet)
- Sewer: Septic system required (permitted through Florida Department of Health - Putnam County)
- Utilities: Power available on Panama St; Propane for cooking/heating; Internet options available
- Camping/RVs: Not permitted per Putnam County regulations
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 before purchase.
Location And Setting Overview - Cul-de-Sac Living in the Lake District
Your Premium Cul-de-Sac Homesite: This 0.23-Acre lot sits on Panama St in a quiet cul-de-sac in Interlachen-a location that provides advantages beyond what typical through-street lots offer. Cul-de-sacs (also called dead-end streets or courts) are highly desirable in residential areas because they create peaceful, safe, low-traffic environments perfect for families and anyone valuing tranquility.
Your cul-de-sac location on Panama St provides specific advantages: minimal traffic-only residents of the cul-de-sac drive on the street, enhanced safety for children playing or riding bikes, quieter environment with dramatically less road noise than through streets, increased privacy with neighbors typically only on one or two sides instead of three, and premium positioning that typically commands 5-15% higher values in established neighborhoods.
Interlachen, whose German name translates to "between the lakes," perfectly describes both the geography and lifestyle. Founded in the 1880S by German settlers drawn to the area's natural beauty and abundant lakes, the town maintains quiet, friendly character while providing access to exceptional freshwater fishing and outdoor recreation.
While small (population around 1,400), Interlachen's strategic position between Palatka to the east and Gainesville to the west provides essential services locally while accessing larger towns' comprehensive amenities within reasonable drives. The town is literally surrounded by beautiful fishing lakes-Lake Alto, Lake Grandin, Blue Pond, and numerous others providing year-round fishing, kayaking, and water-based recreation.
Putnam County - Florida's Affordable Lake Country: Putnam County remains one of Florida's most affordable counties while offering exceptional quality of life centered on lakes, outdoor recreation, and small-town character. Cost of living is significantly below Florida's average, with land prices, housing costs, and property taxes far lower than coastal or metropolitan areas.
This affordability attracts budget-conscious retirees seeking peaceful lake living, fishing enthusiasts wanting daily access to productive waters, working families seeking to own land without crushing debt, remote workers prioritizing quality of life and outdoor access, and investors recognizing value in underpriced lake-region properties.
Perfect Location - Lakes, Small-Town Peace, City Access:
Nearby Lakes: Your cul-de-sac location provides convenient access to Interlachen's surrounding lakes:
- Lake Alto - Excellent bass and panfish, public access, peaceful kayaking
- Lake Grandin - Good fishing, scenic beauty, less pressure than famous lakes
- Blue Pond - Unique blue-tinted waters, good fishing, quiet paddling
- Additional Lakes - Numerous smaller lakes within 10-20 minutes
Palatka (approximately 14-16 miles east, 25-30 minutes): Putnam County's seat offers grocery stores (Walmart, Winn-Dixie, Save-A-Lot), hardware stores and building supplies, medical facilities including Putnam Community Medical Center, restaurants and casual dining, county services, and riverfront parks on the St. Johns River.
Gainesville (approximately 30-32 miles west, 35-40 minutes): Home to University of Florida providing Shands Hospital (premier medical center), Oaks Mall and extensive shopping, diverse dining options, SEC sports (Go Gators.), cultural attractions, and employment opportunities.
Ocala (approximately 45-50 miles southwest, 50-60 minutes): Marion County's hub offers additional shopping, services, medical facilities, and access to Ocala National Forest attractions.
Orlando (approximately 90-95 miles south, 1 hour 40 minutes - 2 hours): Florida's tourism capital provides theme parks (Walt Disney World, Universal Studios, SeaWorld), Orlando International Airport, professional sports, and endless entertainment-accessible for weekend trips or special occasions.
Jacksonville (approximately 65-70 miles north, 75-85 minutes): Florida's largest city offers Jacksonville International Airport, professional sports, extensive shopping and entertainment, and major medical centers.
This positioning provides ideal balance-peaceful cul-de-sac living in an affordable lake town, yet within 35-40 minutes of Gainesville's comprehensive services and reasonable drives to Orlando's attractions, Jacksonville's airport, and employment centers.
Climate and Year-Round Outdoor Living: North Florida's humid subtropical climate features hot summers and mild winters perfect for year-round outdoor activities. Summer brings afternoon thunderstorms that cool temperatures and keep lakes full. Winter offers delightful 60s-70s days ideal for fishing and outdoor projects. Spring and fall provide particularly pleasant conditions for enjoying lakes and property activities.
The region receives approximately 52 inches of annual rainfall, mostly during summer. You'll enjoy about 220 sunny days per year-plenty of Florida sunshine for outdoor living, fishing, and recreation.
The Interlachen Lake Lifestyle: Interlachen attracts fishing enthusiasts wanting daily access to productive lakes, budget-conscious buyers seeking maximum value, families wanting safe cul-de-sac living, retirees seeking affordable peaceful Florida living, remote workers choosing nature over urban stress, and investors recognizing exceptional value in underpriced lake-region properties.
Living here centers on fishing local lakes, kayaking peaceful waters, enjoying nature and wildlife, working on property projects, and living simply and affordably. The cul-de-sac location adds safety and tranquility to the lake-focused lifestyle.
The absence of HOAs and time-to-build restrictions provides complete freedom. Purchase now at under $10K while prices are exceptionally low, hold while property appreciates, and build whenever timing is optimal.
Building Your Dream Home - Affordable Options
Your 0.23-Acre cul-de-sac lot provides adequate space for modest, affordable housing perfect for lake retreats, retirement cottages, or small family homes. This lot size accommodates homes up to approximately 1,400 square feet plus driveway and yard.
Manufactured Homes - Maximum Affordability ($30,000-$75,000 total): For budget-conscious buyers, manufactured homes provide the most affordable path to ownership. Verify current Putnam County R-2 zoning requirements for manufactured homes as regulations may vary.
Single-wide models square feet, 1-2 bedrooms, 1 bathroom) cost $20,000-$35,000 delivered and set up. Small double-wide models (900-1,200 square feet, 2-3 bedrooms, 1-2 bathrooms) cost $35,000-$55,000 delivered and set up.
Installation costs run $7,000-$12,000 including site preparation, foundation, setup, tie-downs, skirting, and steps. Add $3,500-$6,000 for well and $5,000-$7,500 for septic. Total move-in cost: approximately $38,000-$80,000.
Modular Homes - Quality and Efficiency ($70,000-$130,000 total): Modular homes fit R-2 zoning and offer excellent value. Built in factories to Florida Building Code, then assembled on permanent foundations. A compact modular home (900-1,300 square feet, 2-3 bedrooms, 1-2 bathrooms) costs $60,000-$95,000 for the structure, plus $12,000-$20,000 for site work, foundation, and assembly. Including utilities, total investment runs $85,000-$135,000.
Timeline is typically 4-6 months from order to move-in.
Site-Built Homes - Traditional Construction ($80,000-$170,000 total): For traditional stick-built construction, compact efficient homes work best. A modest site-built home (800-1,200 square feet, 2-3 bedrooms, 1-2 bathrooms) costs approximately $110-$145 per square foot including all construction, site work, and utilities. Total investment: roughly $90,000-$175,000.
Timeline is typically 8-12 months from groundbreaking to completion.
Cul-de-Sac Advantages for Homeowners: Your cul-de-sac location enhances home value and livability: quieter environment without through traffic, safer for children and pets, enhanced privacy, and premium neighborhood positioning.
Utilities Installation:
Well System ($3,500-$6,000): Wells typically drill 100-200 feet to reach the Floridan Aquifer. Complete systems include drilling, casing, pump, pressure tank, and basic treatment if needed. Unlimited fresh water with no monthly bills.
Septic System ($5,000-$7,500): Florida's sandy soils are ideal for conventional systems. Standard systems include 1,000-Gallon tank, drain field, installation, and health department permitting. Last 25-35+ years with pumping every 3-5 years ($275-$350).
Electric Connection ($800-$2,000): With power on Panama St, connection is straightforward. Monthly bills typically run $90-$180 for small energy-efficient homes.
Propane ($0 initial, $350-$900 annually): Companies provide tanks free; you pay for gas used.
Internet: Starlink ($120/Month) provides high-speed service. Cellular-based and fixed wireless options available.
The Interlachen Fishing and Lake Lifestyle
Living on a cul-de-sac in Interlachen means combining peaceful neighborhood living with easy access to excellent fishing lakes:
Outstanding Lakes: Lake Alto, Lake Grandin, and Blue Pond provide year-round fishing for largemouth bass, bluegill, shellcracker, black crappie, and catfish. Public access allows fishing without owning waterfront property.
Year-Round Fishing: North Florida's mild climate allows productive fishing every month. Spring offers excellent spawning bass. Summer provides early/evening action. Fall brings feeding frenzies. Winter remains productive with proper techniques.
Beyond Fishing: Lakes provide kayaking, canoeing, birdwatching, nature photography, swimming at designated areas, and peaceful enjoyment of Florida's natural beauty.
Cul-de-Sac Living Benefits: Return from fishing to your quiet street without through traffic. Safe environment for storing boats, kayaks, or fishing equipment. Peaceful neighborhood where outdoor enthusiasts appreciate each other's lake-focused lifestyle.
Why This Cul-de-Sac Lot Represents Exceptional Value
Premium Positioning: Cul-de-sac lots typically command 5-15% premiums over through-street lots due to safety, privacy, and reduced traffic. Your Panama St location provides this premium positioning at an affordable price.
Unbeatable Price: At just $9,999 cash or $504 down with financing, you're acquiring a cul-de-sac lot in Florida's lake district for less than the cost of a used car.
Affordable Taxes: Annual taxes of just $98.68 ($8.22/Month) are very affordable for lake-region property.
Lake Region Location: Proximity to excellent fishing lakes provides lifestyle value priceless for outdoor enthusiasts.
No Hoa, No Time Limits: Complete freedom to build when ready without fees or restrictions.
Florida Tax Advantages: No state income tax saves thousands annually. Homestead exemption provides additional savings once you build.
Appreciation Potential: Cul-de-sac lots in lake regions typically appreciate better than through-street landlocked parcels. Properties purchased today for under $10K could reasonably appreciate to $15,000-$24,000+ over 5-10 years.
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Simple, Fast Buying Process
Step 1 - Contact Us: Visit 2 - Choose Payment Option:
Cash ($9,999): Deed records in 1-2 days.
Owner Financing ($255 Down + $249 Doc Fee, then $225/Month for 72 Months): No credit check. Pay $504 at signing, then $225 monthly for 6 years.
Step 3 - Make Payment: Secure online or cashier's check.
Step 4 - Sign Documents: Electronic or physical signatures.
Step 5 - Enjoy Your Land: Immediate possession.
Property Taxes: Just $98.68 annually paid to Putnam County.
Property Visit Tips:
- Visit during daylight
- Bring GPS device
- Wear appropriate footwear
- Note cul-de-sac location
Contact for assistance.
Frequently Asked Questions
Q: What is a cul-de-sac?
A: A dead-end street where only residents access the road, providing safety, privacy, and quiet-premium positioning in neighborhoods.
Q: Why are cul-de-sac lots better?
A: Less traffic, safer for families, quieter, more private, and typically command 5-15% premiums over through-street lots.
Q: Is this really under $10K?
A: Yes. Cash price just $9,999.
Q: How's the fishing?
A: Excellent. Interlachen is surrounded by productive fishing lakes within minutes.
Q: Is this really no credit check?
A: Absolutely. No credit or income verification required.
Q: Can I pay off early?
A: Yes. No prepayment penalty.
Your Affordable Cul-de-Sac Dream Starts Here
This 0.23-Acre cul-de-sac lot represents exceptional value-premium quiet positioning in Florida's lake district for under $10K. At $9,999 cash or $504 down, you're getting safety, privacy, and lake access at unbeatable pricing.
Interlachen offers peaceful lake living, excellent fishing, ultra-affordable costs, and freedom. Your cul-de-sac location adds safety and tranquility.
Don't let this premium cul-de-sac opportunity pass.
Ready to own your peaceful cul-de-sac homesite in the lake district? Visit today.
Directions to Property
Property located on Panama St in Interlachen, FL 32148. Gps: 29.616667, -81.942889. Strongly recommend using GPS coordinates.
From Orlando (approximately 90-95 miles, 1 hour 40 minutes - 2 hours):
Start in Orlando
Head north on I-4 West toward Daytona Beach
Take Exit 114 for Us-17 North toward DeLand
Continue on Us-17 N for approximately 35-40 miles
In Crescent City area, continue on Us-17 N
Continue approximately 20-25 miles to Interlachen area
Turn left (west) onto Cr-20/Interlachen Ave
Continue into Interlachen
Turn onto Panama St (cul-de-sac)
Gps: 29.616667, -81.942889
Alternative from Orlando via Palatka:
Take Fl-408 East from Orlando to I-95 North
Take I-95 North to Us-17 South at Palatka
Continue to Interlachen via Us-17 or Cr-20
From Miami (approximately 340-360 miles, 5-6 hours):
Start in Miami
Head north on Florida's Turnpike
Continue on Turnpike to I-95 North
Take I-95 North for approximately 250-270 miles
Take Exit 318 for Sr-20 West toward Interlachen/Palatka
Continue on Sr-20 W for approximately 10-12 miles
Turn right onto Cr-315 North/Interlachen Ave
Continue into Interlachen
Navigate to Panama St using Gps: 29.616667, -81.942889
More Land Details
Property Type: Residential Land (Cul-de-Sac)
Size: 0.23 Acres
Apn: 18-10-24-4074-0560-0060
Annual Taxes: $98.68
Zoning: R-2 Residential
Town: Interlachen
Location: Panama St (Cul-de-Sac)
HOA: None
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The details provided are believed reliable but not warranted. Buyers should conduct due diligence.
At H5 Land Ventures, we believe owning land should be possible for everyone. We specialize in making land ownership simple, affordable, and accessible.
Land Maps & Attachments
Directions to Land
Directions to Property
Property located on Panama St in Interlachen, FL 32148. GPS: 29.616667, -81.942889. Strongly recommend using GPS coordinates.
From Orlando (approximately 90-95 miles, 1 hour 40 minutes - 2 hours):
Start in Orlando
Head north on I-4 West toward Daytona Beach
Take Exit 114 for US-17 North toward DeLand
Continue on US-17 N for approximately 35-40 miles
In Crescent City area, continue on US-17 N
Continue approximately 20-25 miles to Interlachen area
Turn left (west) onto CR-20/Interlachen Ave
Continue into Interlachen
Turn onto Panama St (cul-de-sac)
Gps: 29.616667, -81.942889
Alternative from Orlando via Palatka:
Take FL-408 East from Orlando to I-95 North
Take I-95 North to US-17 South at Palatka
Continue to Interlachen via US-17 or CR-20
From Miami (approximately 340-360 miles, 5-6 hours):
Start in Miami
Head north on Florida's Turnpike
Continue on Turnpike to I-95 North
Take I-95 North for approximately 250-270 miles
Take Exit 318 for SR-20 West toward Interlachen/Palatka
Continue on SR-20 W for approximately 10-12 miles
Turn right onto CR-315 North/Interlachen Ave
Continue into Interlachen
Navigate to Panama St using GPS: 29.616667, -81.942889
Alternative from Miami:
Take Florida's Turnpike to I-75 North
Continue to Wildwood, take FL-44 East
Navigate to Interlachen area
From Gainesville (approximately 30-32 miles, 35-40 minutes):
Start in Gainesville
Head east on University Ave/SR-26 East
Continue on SR-26 E for approximately 18-20 miles through Melrose
In Melrose, SR-26 becomes Interlachen Ave/CR-315
Continue on CR-315 for approximately 8-10 miles into Interlachen
In Interlachen, navigate to Panama St
Gps: 29.616667, -81.942889
From Ocala (approximately 45-50 miles, 50-60 minutes):
Start in Ocala
Head east on E Silver Springs Blvd/SR-40 East
Continue on SR-40 E for approximately 22-25 miles
Turn left (north) onto SR-19 North
Continue on SR-19 N for approximately 18-20 miles
Turn right (east) onto SR-20 East
Continue approximately 4-5 miles
Turn left (north) onto CR-315 North/Interlachen Ave
Continue into Interlachen
Navigate to Panama St - GPS: 29.616667, -81.942889
From Palatka (approximately 14-16 miles, 25-30 minutes):
Start in Palatka
Head north on US-17 North
Continue approximately 6-7 miles
Turn left (west) onto SR-20 West
Continue on SR-20 W for approximately 8-10 miles toward Interlachen
Turn right (north) onto CR-315 North/Interlachen Ave
Continue into Interlachen
Navigate to Panama St (cul-de-sac)
Gps: 29.616667, -81.942889
GPS Navigation:
Primary: 29.616667, -81.942889
Corners: Listed in property details
Navigation Tips:
GPS coordinates most accurate
Panama St is cul-de-sac in Interlachen
SR-20 and CR-315 are main routes
Cell coverage good for GPS
More Land Details
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