Your Homesite by The Lake
421 Kennedy Ave : Interlachen, FL 32148
Putnam County, Florida
Land Description
Your Slice of Old Florida Paradise: 0.22 Acres in Interlachen's Lake Country
Investment Opportunity Meets Peaceful Living in Putnam County, Florida
21 Kennedy Avenue, Interlachen, FL 32148
Property Overview
Apn: 25-09-24-4075-0990-0290
Size: 0.22 Acres (9,583 Square Feet)
Location: Kennedy Avenue, Interlachen Lakes Estates Unit 16, Frederick Town
County: Putnam County, Florida
Zoning: R2 - Residential, Medium Density
Annual Property Taxes: $85.25
Gps Coordinates:
- Center: 29.679889, -81.861000
- Northwest Corner: 29.679800, -81.861200
- Northeast Corner: 29.680000, -81.861200
- Southwest Corner: 29.679800, -81.860800
- Southeast Corner: 29.680000, -81.860800
Pricing Options
Cash Purchase Option
$9,999 - Own Your Land Outright
Owner Financing Available
Make this property yours with our easy, affordable payment plan:
Down Payment: $225
Document Fee: $250
Monthly Payment: $225/Month
Term: 72 months (6 years)
No Credit Check Required
Fast Closing Process
With owner financing, you can secure this valuable Florida property for less than the cost of a monthly gym membership. That's right - for just $225 per month, you can own a piece of the legendary "Land Between the Lakes" in one of Florida's most charming small towns.
Welcome to Interlachen: The Town Between the Lakes
Nestled in the heart of Putnam County, Florida, Interlachen is a hidden gem that offers everything you could want in a small-town Florida lifestyle. With a population of approximately 1,450 friendly residents, this historic community has been welcoming newcomers since the 1870S when the Florida Southern Railway first opened up the area to settlers.
The town's name tells its story. Suggested by a former resident who hailed from Interlachen, Switzerland, the name translates to "between the lakes" - a perfect description for this unique community that boasts more than 28 lakes within its borders. The two largest, Lake Lagonda and Lake Chipco, frame the town and provide endless opportunities for fishing, boating, swimming, and simply enjoying the natural beauty that makes Florida special.
A Rich History Worth Preserving
Interlachen's history is woven into the fabric of Old Florida. Originally known as "Blue Pond" before 1892, the area transformed into a thriving citrus-growing center and winter resort destination when the railroad arrived. In the 1890S, three grand hotels catered to tourists from the North who sought to escape harsh winters and bask in Florida's legendary sunshine.
The town was officially incorporated in 1888, and despite setbacks including the Great Freeze of 1895 that devastated the citrus industry and several devastating fires that claimed two of the three original hotels, Interlachen persevered. Today, visitors can still see reminders of this rich heritage throughout the town.
The Interlachen Hall, completed in 1892 and beautifully renovated in 2003, stands as a testament to the community's commitment to preserving its past. The building, which has served as town hall, jail, library, and now houses the Historical Society, was added to the U.S. National Register of Historic Places on June 2, 2000.
The Interlachen Academy, built in 1895, holds the distinction of being the oldest wooden schoolhouse in continuous use in Florida. This remarkable building now serves as home to Interlachen High School's Jrotc program, connecting past and present in meaningful ways.
Modern Amenities in a Small-Town Setting
While Interlachen honors its past, it also embraces the present. The town received electricity for the first time in 1926, and Florida State Road 20 (originally Route 14) was constructed through town around the same time, connecting Interlachen to the broader region.
Today, residents enjoy the perfect balance of rural tranquility and modern convenience. The town features:
Excellent Schools: Robert H. Jenkins, Jr. Elementary School, Interlachen Middle/High School, and proximity to educational opportunities in nearby Palatka and Gainesville
Library Services: The Putnam County Library System's Interlachen branch provides resources and programming for all ages
Local Dining: Popular spots like Nanna's Country Cafe and Hog Wild Country Cafe serve up delicious Southern comfort food and home-cooked meals
Community Events: The town hall regularly hosts events that bring residents together
Parks and Recreation: Hastings Park offers playground equipment and picnic areas for families
The community maintains that authentic small-town feel where neighbors know each other by name, yet you're never far from larger city amenities when needed.
The Property: Your Blank Canvas in Paradise
This 0.22-Acre parcel on Kennedy Avenue represents an exceptional opportunity to own a piece of Florida's natural beauty at an incredibly affordable price. Located in the well-established Interlachen Lakes Estates Unit 16 subdivision, this residential lot offers the perfect foundation for your Florida dreams.
Property Features and Specifications
Legal Description: Interlachen Lakes Estates Unit 16 Frederick Town Mb5 P4 Blk 99 Lot 29
Lot Characteristics:
Flat terrain with gentle slope - ideal for building
9,583 square feet of buildable space
Located on a dirt road providing easy access
Surrounded by a mix of residential properties, creating an established neighborhood feel
Natural vegetation and mature trees offer privacy potential
Zoning Details:
The property is zoned R2 - Residential, Medium Density, which permits:
Single-family homes
Manufactured homes (mobile homes with proper permits)
Standard site-built construction
Various residential uses subject to Putnam County regulations
Building Requirements and Opportunities:
This property provides flexibility for various housing options to suit your budget and lifestyle:
1. Site-Built Homes: Construct your dream home from the ground up according to your exact specifications and current building codes.
2. Manufactured Homes: Mobile homes are permitted on this lot, offering an affordable path to homeownership. This option allows you to have a quality home at a fraction of the cost of traditional construction.
3. RVs During Construction: While camping is not allowed on vacant lots, RVs are permitted during home construction with the proper permits from Putnam County, allowing you to be on-site during your building process.
Important Development Information:
Water Service: This property will require installation of a private well for water access. Many neighboring properties utilize wells successfully, and this is standard practice for rural Florida properties. For more information on well installation requirements and permits, contact the Putnam County Water Department at.
Sewer Service: A septic system will be required for waste management. Septic systems must be permitted through the Florida Department of Health - Putnam County. This is also standard for properties in this area and provides independent, reliable service.
Electrical Service: Power is available in the area. Contact the local utility provider to discuss connection options and associated costs.
No HOA Fees: One of the most attractive features of this property is the absence of any Homeowners Association. You won't pay monthly or annual HOA fees, and you'll have maximum freedom in how you develop and use your property (within county zoning regulations, of course).
What Makes This Property Special?
Affordability: At just $9,999 cash or $225 per month with owner financing, this is one of the most affordable land opportunities in North Central Florida. The extraordinarily low annual property taxes of just $85.25 mean your ongoing ownership costs are minimal.
Investment Potential: Vacant land in growing areas of Florida has historically appreciated in value. With development expanding throughout Putnam County and increasing interest in rural Florida properties, this lot represents both a lifestyle choice and a sound investment.
Lifestyle Flexibility: Whether you're planning to build your retirement dream home, create a weekend getaway, establish a rental property, or simply hold the land as an investment, this property accommodates multiple strategies.
Natural Beauty: The Interlachen area is renowned for its natural Florida landscape. With dozens of lakes nearby, the Ocala National Forest just minutes away, and abundant wildlife, you'll experience the real Florida that brought settlers here over 140 years ago.
Low Carrying Costs: With taxes under $100 annually and no HOA fees, you can comfortably hold this property while you plan your next move. Unlike properties with high monthly carrying costs, this lot won't drain your resources while you prepare to build or hold for appreciation.
Location, Location, Location: Strategic Access to Everything You Need
One of the most compelling aspects of this property is its strategic location in North Central Florida. Interlachen offers the best of both worlds: peaceful rural living with convenient access to major cities, employment centers, medical facilities, shopping, and entertainment.
What Palatka Offers:
As the county seat of Putnam County, Palatka provides essential services and amenities:
- Government services and county offices
- Putnam Community Medical Center for healthcare needs
- Major grocery chains including Walmart Supercenter, Winn-Dixie, and Save-A-Lot
- Banking and financial services
- Ravine Gardens State Park - a spectacular 59-acre park featuring azaleas and beautiful landscaping
- Historic downtown with shopping and dining
- St. Johns River access for world-class fishing and boating
Palatka serves as your primary hub for shopping, medical care, and government services, making it easy to handle all your practical needs without traveling far from home.
What Gainesville Offers:
Home to the University of Florida and a population of over 145,000, Gainesville is North Central Florida's cultural and economic powerhouse:
- Major employment opportunities in education, healthcare, and technology
- UF Health Shands Hospital - one of the nation's premier medical centers
- Extensive shopping including multiple malls and big-box retailers
- Diverse dining and entertainment options
- Cultural attractions including the Florida Museum of Natural History, Samuel P. Harn Museum of Art, and Hippodrome State Theatre
- Ben Hill Griffin Stadium ("The Swamp") - home of Florida Gators football
- Higher education opportunities at the University of Florida and Santa Fe College
- Gainesville Regional Airport (Gnv) for domestic air travel
Many Interlachen residents commute to Gainesville for work while enjoying the lower cost of living and peaceful lifestyle that small-town Florida provides. The 30-minute commute is manageable and takes you through beautiful rural landscape.
What Jacksonville Offers:
As Northeast Florida's largest city and economic center, Jacksonville provides world-class amenities:
- Jacksonville International Airport (Jax) - major hub with direct flights nationwide and internationally
- Major employers in financial services, healthcare, logistics, and military (Naval Station Mayport, Naval Air Station Jacksonville)
- World-class healthcare facilities including Mayo Clinic, Baptist Health, and UF Health Jacksonville
- Professional sports including the Nfl's Jacksonville Jaguars
- Miles of Atlantic Ocean beaches including Jacksonville Beach, Atlantic Beach, and Neptune Beach
- Extensive shopping, dining, and entertainment options
- Port of Jacksonville - one of the nation's largest deep-water ports
- Educational institutions including University of North Florida, Jacksonville University, and Florida State College at Jacksonville
While Jacksonville is farther than Palatka or Gainesville, it remains easily accessible for airport access, specialized medical care, major shopping excursions, or entertainment events.
Regional Position and Transportation Networks
Interlachen's location in North Central Florida positions you within driving distance of many of the state's premier destinations:
Within 1-2 Hours:
- St. Augustine (50 miles east) - Nation's oldest city with historic charm
- Ocala (43 miles southwest) - Horse capital of Florida
- Daytona Beach (52 miles east) - Famous beaches and Nascar racing
- Flagler Beach (55 miles east) - Quieter beach alternative
Within 2-3 Hours:
- Orlando (95 miles south) - Theme parks, international airport, major employment center
- Tampa (140 miles southwest) - Major metropolitan area, airport, sports, culture
- Crystal River (90 miles west) - Manatee viewing and springs
Major Highways:
- Fl-20 (State Road 20) - Main east-west corridor through Interlachen
- Us-17 - Major north-south route connecting to Jacksonville
- Cr-315 (County Road 315) - Key north-south county road
- Easy access to I-75 via Gainesville (major interstate connecting Michigan to Miami)
- Easy access to I-95 via Palatka or Jacksonville (East Coast's primary interstate)
This strategic central location means you're never truly isolated while maintaining that peaceful rural atmosphere. Whether you need to catch a flight from Jacksonville or Gainesville, head to the beach for the weekend, or access major employment centers, everything is within reasonable driving distance.
The Interlachen Lifestyle: Natural Beauty and Outdoor Recreation
Living in or near Interlachen means embracing the outdoor lifestyle that makes Florida famous. This is a community where nature isn't just nearby - it's woven into daily life.
Lakes, Lakes, and More Lakes
Putnam County is known as the "Bass Fishing Capital of America," and for good reason. The area's hundreds of lakes provide some of the best freshwater fishing in the entire United States.
Local Lakes Include:
Lake Lagonda
Lake Chipco
Lake Lucerne
Lake Grassy
Lake Bryant
Lake Kerr
And more than 20 others within Interlachen's town limits
These lakes offer opportunities for:
Bass Fishing: Largemouth bass fishing is legendary here, with trophy fish regularly caught
Panfishing: Bluegill, shellcrackers (redear sunfish), and other panfish provide family-friendly fishing fun
Boating: From kayaks and canoes to bass boats and pontoons
Swimming: Many lakes feature swimming areas perfect for cooling off
Wildlife Viewing: Observe herons, egrets, ospreys, bald eagles, and other Florida wildlife
Photography: Stunning sunrises and sunsets over the water
Peaceful Relaxation: Simply sitting by the water and enjoying nature's beauty
Ocala National Forest: Your Backyard Wilderness
Less than 15 miles from your property lies one of Florida's greatest natural treasures: the Ocala National Forest. As the oldest national forest east of the Mississippi River, this 400,000-Acre wonderland offers endless outdoor adventures.
What the Ocala National Forest Offers:
Water-Based Recreation:
Over 600 natural lakes and rivers
Crystal-clear springs including Alexander Springs, Salt Springs, Silver Glen Springs, and Juniper Springs
Swimming in 72-degree spring-fed waters year-round
World-class snorkeling and diving
Canoeing and kayaking on pristine waterways
Boating access on numerous lakes
Premier fishing for bass, crappie, catfish, and other species
Land-Based Activities:
Nearly 300 miles of off-highway vehicle (Ohv) trails
Extensive hiking trail system including the Florida National Scenic Trail
Mountain biking trails
Horseback riding trails
Wildlife viewing for black bears, deer, wild turkeys, and numerous bird species
Photography opportunities around every bend
Primitive and developed camping options
Hunting and Fishing:
The Ocala Wildlife Management Area provides regulated hunting opportunities for:
White-tailed deer
Wild turkey
Wild hogs
Small game
Waterfowl
Fishing in the forest's lakes and streams is exceptional, with several lakes specifically managed for trophy bass fishing. Lakes like Kerr, Bryant, and Wildcat are nationally known among bass fishing enthusiasts.
Educational and Family Activities:
Visitor centers with educational programs
Interpretive trails
Junior Ranger programs
Guided nature walks
Historical sites including old Civilian Conservation Corps structures
The proximity to the Ocala National Forest significantly enhances property values in the area while providing recreational opportunities that would cost thousands of dollars annually if you had to pay for them elsewhere.
Additional Outdoor Attractions
Ravine Gardens State Park (Palatka):
This 59-acre horticultural wonder features beautiful ravines, azalea gardens, and walking trails. Spring blooms are spectacular, but the park is lovely year-round.
Rodman Reservoir (Lake Ocklawaha):
About 15 miles southwest of Interlachen, this 9,500-Acre reservoir on the Ocklawaha River is another premier bass fishing destination. Many anglers consider it one of Florida's best-kept secrets.
St. Johns River:
The legendary St. Johns River flows near Palatka, providing access to one of Florida's few northward-flowing rivers. This historic waterway offers:
Exceptional fishing for bass, catfish, and other species
Boating and cruising opportunities
Wildlife viewing including manatees (in warmer months)
Historic river towns to explore
Waterfront dining and entertainment
Climate and Seasons
Interlachen enjoys Florida's humid subtropical climate, characterized by:
Summer (June-September):
Warm to hot temperatures typically in the high 80s to mid-90s°F
Afternoon thunderstorms providing cooling relief
Long daylight hours perfect for outdoor activities
Warm water temperatures ideal for swimming
Fall (October-November):
Pleasant temperatures in the 70s-80s°F
Lower humidity
Reduced rainfall
Excellent fishing as water temperatures cool
Beautiful changing foliage (yes, even in Florida.)
Winter (December-March):
Mild temperatures typically in the 60s-70s°F during the day
Occasional cold fronts bringing cooler weather
Minimal rainfall
Perfect weather for outdoor activities
This is why Northern visitors historically flocked here
Spring (April-May):
Warming temperatures in the 70s-80s°F
Beautiful wildflowers and azalea blooms
Increasing rainfall as summer approaches
Excellent fishing as waters warm
Migration season for birds
Year-round, the climate supports outdoor living and recreation. The mild winters mean you can garden, fish, and enjoy nature twelve months a year - a luxury that Northern property owners can only dream about.
Community and Quality of Life
Beyond the natural amenities, Interlachen offers the quality of life that comes from genuine small-town community living.
Education
Local Schools:
The Putnam County School District serves Interlachen with:
Robert H. Jenkins, Jr. Elementary School (formerly Interlachen Elementary): Serves Pre-K through 5th grade with approximately 628 students
Interlachen Middle/High School: Combined facility serving grades 6-12 with approximately 976 students total
The schools maintain reasonable student-to-teacher ratios and offer various academic and extracurricular programs. The historic Interlachen Academy building, the oldest continuously used wooden schoolhouse in Florida, adds character to the educational landscape.
Higher Education Access:
University of Florida (Gainesville) - 28 miles: One of the nation's top public universities
Santa Fe College (Gainesville) - 28 miles: Excellent community college with transfer programs
St. Johns River State College (Palatka) - 16 miles: Community college serving the region
Flagler College (St. Augustine) - 40 miles: Prestigious liberal arts college
Healthcare
Primary Care:
Interlachen Medical Clinic and other local healthcare providers serve routine needs
Putnam Community Medical Center (Palatka) - 20 minutes: Full-service hospital with emergency room
Specialized Care:
UF Health Shands Hospital (Gainesville) - 35 minutes: One of the Southeast's premier academic medical centers
Mayo Clinic (Jacksonville) - 1.5 hours: World-renowned specialized medical care
Baptist Health and UF Health Jacksonville - 1.5 hours: Additional major medical centers
Cost of Living
One of Interlachen's most attractive features is its exceptional affordability:
Housing Costs:
Median home value: Approximately $109,000 (compared to Florida's statewide median of over $325,000)
Property taxes: Among the lowest in the state
This lot's annual taxes: Just $85.25.
Lower insurance costs compared to coastal areas
No HOA fees on many properties including this one
Overall Cost of Living:
Interlachen's cost of living index is approximately 20% below the national average, with particularly strong savings in:
Housing and property costs
Property taxes
Utilities
General goods and services
This means your dollar stretches further, whether you're on a fixed income, starting out, or simply want to live more economically while maintaining quality of life.
Safety and Community
Interlachen maintains a small-town atmosphere where:
Neighbors know and look out for each other
The local police department provides community-focused law enforcement
Volunteer organizations serve community needs
Churches provide spiritual communities and social support
Town events bring residents together
The pace of life is slower and less stressful than urban areas
While Interlachen offers the safety and friendliness of small-town life, you're never far from additional resources when needed.
Investment Perspective: Why This Property Makes Financial Sense
Smart investors recognize that land represents one of the most fundamental and stable investment vehicles available. This property offers multiple pathways to building wealth:
Appreciation Potential
Historical Trends:
Florida land values have appreciated consistently over decades, particularly in areas experiencing growth in nearby metropolitan regions. Gainesville continues expanding, Palatka is developing, and the general trend of people moving to Florida shows no signs of slowing.
Key Appreciation Drivers:
Limited Supply: They're not making any more land, especially in established subdivisions like Interlachen Lakes Estates
Growing Demand: Florida's population continues growing as people from other states seek better weather, lower taxes, and quality of life
Infrastructure Improvements: Road improvements and utility expansions increase land values
Development Pressure: As coastal properties become increasingly expensive, inland areas like Putnam County attract more buyers
Remote Work Revolution: The ability to work remotely has opened Florida's rural areas to professionals who previously needed to live in cities
Hold Strategy
With annual carrying costs of just $85.25 in property taxes and no HOA fees, you can easily hold this property while it appreciates. Consider:
Annual Cost: $85.25 in taxes (approximately $7 per month)
Potential Annual Appreciation: Even a conservative 3-5% annual appreciation on a $10,000 property means $300-500 in value increase each year
Your return on holding costs could be 300-500% annually even with modest appreciation. Few investments offer such favorable cash flow dynamics.
Build and Sell Strategy
Improved properties sell for significantly more than vacant land:
Purchase land: $9,999
Install manufactured home: $30,000-60,000
Total investment: $40,000-70,000
Potential sale price: $80,000-120,000 or more
Potential profit: $10,000-50,000+
Build and Hold (Rental) Strategy
Putnam County's affordable housing market creates strong rental demand:
Build affordable home or place manufactured home
Rent for $800-1,200+ monthly
Property pays for itself while appreciating
Create passive income stream
Build equity automatically
Owner-Occupied Strategy
Perhaps the best "return" is the lifestyle value:
Build your dream home without the crushing debt of expensive markets
Live mortgage-free or with minimal payments
Enjoy daily life in beautiful natural setting
Retire comfortably with low carrying costs
Pass property to heirs free and clear
Tax Advantages
Real estate ownership provides tax benefits including:
Property tax deductions (if itemizing)
Mortgage interest deductions (if financing)
Potential capital gains exemptions (if primary residence)
1031 exchange possibilities (for investors)
Depreciation benefits (for rental properties)
Comparison to Alternative Investments
Compared to Stocks/Bonds:
Tangible asset you can use and enjoy
Not subject to market volatility
Provides utility beyond financial return
Protection against inflation
-No management fees
Compared to Other Real Estate:
Lower entry cost
Minimal carrying costs
More flexible use options
Less competition in rural markets
Easier management (no tenants, maintenance, etc. until you build)
Lifestyle Scenarios: How Different Buyers Can Use This Property
This versatile property accommodates various buyer profiles and goals:
The Retirement Planner
Age 45-65, Planning Ahead:
You're still working but dreaming of retirement in Florida's sunshine. This property lets you:
Buy now at today's prices
Hold for 5-20 years with minimal carrying costs
Build when ready to retire
Avoid future price inflation
Visit and enjoy the area while property appreciates
Retire debt-free with property paid off
Monthly cost with owner financing: $225/Month for 72 months, then $7/month in property taxes
The Retiree
Age 60+, Ready to Build:
You're ready to leave cold winters or high housing costs behind:
Build affordable home or place quality manufactured home
Live on modest retirement income comfortably
Enjoy fishing, nature, and outdoor activities daily
Be near quality healthcare in Gainesville
Stay active in friendly community
Reduce living expenses significantly
Annual cost after building: $85.25 in property taxes plus utilities
The Remote Worker/Digital Nomad
Age 25-45, Location Independent:
You can work from anywhere with internet:
Build in affordable market instead of expensive cities
Create ideal work-from-home environment
Access nature during breaks and after work
Save thousands monthly compared to urban rents
Build equity instead of paying landlord
Enjoy quality of life that was previously out of reach
Monthly savings compared to urban apartment: $500-2,000+ depending on previous location
The Weekend Warrior
Any Age, Seeking Retreat:
You live in Jacksonville, Orlando, or another city but want an escape:
Build weekend cabin or place RV/manufactured home
Create fishing and recreation base
Enjoy nature without hotel costs
Bring family for affordable vacations
Potential rental income when not using
Future retirement home already in place
The Investor/Flipper
Experience Level: Beginner to Advanced:
You're looking for profitable opportunities:
Low entry cost reduces risk
Multiple exit strategies available
Owner financing preserves capital for improvements
Strong rental market provides income option
Appreciation potential builds wealth
Low holding costs allow patience
The Family Builder
Age 25-45, Growing Family:
You need more space but can't afford expensive markets:
Build spacious home for fraction of city costs
Give children room to play and explore nature
Teach outdoor skills and appreciation for nature
Live debt-free or with minimal mortgage
Access good schools while enjoying rural lifestyle
Create generational wealth through property ownership
Frequently Asked Questions
Q: Can I camp on the property while building?
A: Camping is not allowed on vacant lots. However, RVs are permitted during home construction with proper permits from Putnam County.
Q: What are the building requirements?
A: Putnam County enforces Florida Building Code. You'll need building permits for any structures. Contact Putnam County Building Department at for specific requirements.
Q: How long does it take to install a well and septic system?
A: Timeline varies but typically:
- Well drilling: 1-3 days
- Septic design and permitting: 2-6 weeks
- Septic installation: 1-2 weeks
Total timeline: 4-10 weeks depending on permitting and contractor availability
Q: What is the water table like?
A: Florida generally has shallow water tables, and wells in this area typically reach water at 100-200 feet depth. The abundant lakes indicate good groundwater.
Q: Are there any deed restrictions?
A: Standard subdivision plats may have basic restrictions. Review title work for specifics. No HOA means no HOA restrictions or fees.
Q: What about internet access?
A: Several providers serve the area including:
- Satellite internet (available anywhere)
- Fixed wireless providers
- Potentially fiber or cable depending on exact location
- 5G home internet (availability growing)
Q: How far to groceries and shopping?
A: Palatka (16 miles) offers major grocery chains, Walmart, and essential services. Gainesville (28 miles) provides extensive shopping options.
Q: What about schools?
A: Robert H. Jenkins Jr. Elementary and Interlachen Middle/High School serve the area. Enrollment information available through Putnam County Schools.
Q: Are there employment opportunities?
A: Local opportunities exist, but many residents commute to Gainesville (28 miles) or Palatka (16 miles) for employment. Jacksonville (67 miles) is also commutable for higher-paying positions.
Q: What wildlife might I see?
A: Expect to see deer, wild turkeys, various birds including bald eagles, turtles, and occasionally black bears (in nearby forest). Alligators inhabit some lakes - standard for Florida.
Q: How do I proceed with owner financing?
A: Contact us directly at the property listing page to begin the simple process. We'll explain terms, answer questions, and can typically close within days.
Q: What are property taxes like long-term?
A: Florida has no state income tax, and property taxes remain relatively stable. With homestead exemption (for primary residences), taxes can be reduced further. This property's current annual tax of $85.25 is exceptionally low.
Q: Can I build multiple structures?
A: Zoning allows primary residence plus accessory structures like garages, sheds, etc. Check with Putnam County for specific regulations.
Q: Is flood insurance required?
A: This area is not typically in high-risk flood zones, but check Fema flood maps for your lender's requirements if financing construction. Not required for land purchase.
Q: What's the resale market like?
A: Land in Putnam County sells steadily, with improved properties moving faster than vacant land. The low entry price makes this property accessible to many buyers.
Take the Next Step: Making This Property Yours
Opportunities like this don't last forever. In a real estate market where prices continue climbing and affordable land becomes increasingly scarce, this property represents exceptional value.
Why Act Now?
Market Conditions: Land prices in Florida continue rising as demand increases and supply remains fixed
Interest Rates: Our owner financing terms are locked in and won't change with market fluctuations
Seasonal Factors: Spring is prime building season - secure your lot now to start construction soon
Tax Benefits: The sooner you own, the sooner you start building equity and enjoying tax advantages
Personal Freedom: Stop paying rent or high mortgages - start building your future today
Easy Purchase Process
Cash Purchase:
1. Contact us via the property listing page
2. Review property details and disclosures
3. Arrange title work and closing
4. Close in as little as 7-14 days
5. Receive deed and become landowner
Owner Financing:
1. Contact us to confirm availability
2. Provide basic information (no credit check)
3. Pay down payment and document fee
4. Sign simple contract
5. Begin monthly payments and receive deed
6. Entire process can complete in days
Contact Information
Property Listing:
Visit our website to see additional photos, maps, and detailed information. Our team stands ready to answer questions and help you begin your Florida land ownership journey.
This 0.22-Acre property at 421 Kennedy Avenue in Interlachen, Florida represents more than just a piece of land - it's a gateway to the Florida lifestyle millions of people dream about. For less than the cost of a used car, you can own a piece of Old Florida in a historic community surrounded by lakes, forests, and natural beauty.
Whether you're planning to build your dream home, create a weekend retreat, invest for the future, or simply want to own land in the Sunshine State, this property offers flexibility, affordability, and potential that's increasingly rare in today's real estate market.
The town of Interlachen, with its rich history dating back to the 1870S, provides a stable, friendly community where your investment is not just in land, but in a way of life. The extraordinarily low property taxes of just $85.25 annually and absence of HOA fees mean you can hold this property as long as you wish without financial stress.
Strategic location provides the best of both worlds: peaceful rural living with convenient access to Palatka (16 miles), Gainesville (28 miles), and Jacksonville (67 miles). You're never far from shopping, medical care, entertainment, or employment opportunities, yet you come home to tranquility.
The proximity to the Ocala National Forest, dozens of lakes, and endless outdoor recreation opportunities adds value that goes beyond simple dollars and cents. How do you price the ability to fish for trophy bass in your backyard lakes, explore 400,000 acres of national forest, or watch the sunset over Lake Chipco? These experiences enrich life in ways that money can't directly buy, yet they come with this affordable property.
Our flexible financing option makes ownership accessible to almost anyone. For just $225 down, $250 in document fees, and $225 per month for 72 months, you can own this property outright. That's less than most people spend on car payments, streaming services, or dining out each month - and at the end of 72 months, you own valuable Florida real estate instead of having nothing to show for your money.
Don't let this opportunity pass by. Land is the one investment they're truly not making any more of, and locations like Interlachen - combining affordability, natural beauty, and strategic positioning - become harder to find every year. Whether you're ready to build now or planning for the future, securing this property today locks in value and starts your Florida dream.
Visit to take the next step.
Your piece of Florida paradise awaits.
Welcome to Interlachen - Where Your Florida Story Begins.
Land Maps & Attachments
Directions to Land
From Palatka (County Seat)
Distance: 16 miles. Drive Time: Approximately 20-25 minutes
Directions from Palatka:
1. Head west on FL-20 W (State Road 20 West) from downtown Palatka
2. Continue on FL-20 W for approximately 15-16 miles
3. Turn right onto CR-315 S (County Road 315 South / Dora Avenue)
4. Turn left onto Frederick Town Road
5. Turn right onto Walker Drive
6. Continue on Walker Drive; Kennedy Avenue will intersect on your right
7. Your property is located at 421 Kennedy Avenue
From Gainesville (University City)
Distance: 28 miles. Drive Time: Approximately 33-37 minutes
Directions from Gainesville:
1. From downtown Gainesville, head east on FL-20 E (State Road 20 East)
2. Continue on FL-20 E for approximately 28 miles through the charming town of Hawthorne
3. Upon reaching Interlachen, turn right onto CR-315 S (County Road 315 South)
4. Turn left onto Frederick Town Road
5. Turn right onto Walker Drive
6. Continue on Walker Drive to Kennedy Avenue
7. Your destination is 421 Kennedy Avenue
From Jacksonville (Metropolitan Hub) Distance: 67 miles via US-17
Drive Time: Approximately 1 hour 20-25 minutes
Directions from Jacksonville:
1. From downtown Jacksonville, take US-17 South
2. Continue on US-17 S through Green Cove Springs
3. Stay on US-17 S as it joins with FL-228
4. Continue for approximately 67 miles total
5. At Interlachen, turn right onto FL-20 W
6. Turn right onto CR-315 S
7. Turn left onto Frederick Town Road
8. Turn right onto Walker Drive to reach Kennedy Avenue
9. Property located at 421 Kennedy Avenue
Alternative Route via I-295 and FL-21:
1. Take I-295 South from Jacksonville
2. Exit onto FL-21 South toward Keystone Heights
3. Continue south, then connect to FL-100 East
4. Follow to Putnam County roads leading to Interlachen
5. Drive time similar at approximately 1.5 hours
More Land Details
More Land from David Healy
0.3 AC : $17K- 0.2 AC : $18K
- 0.6 AC : $38K
- 0.5 AC : $30K
- 0.2 AC : $16K
- New0.2 AC : $10K
- New0.2 AC : $10K
- New0.4 AC : $19K
- New0.2 AC : $16K
- 0.2 AC : $16K
- New0.7 AC : $27K
- New0.2 AC : $10K
