Escape to Florida, Only $199/Mo
424 Chris Ave : Interlachen, FL 32148
Putnam County, Florida
Land Description
0.022-Acre Lot in Interlachen, Putnam County, Florida - Your Affordable Slice of the Sunshine State
Apn: 14-09-24-4076-1580-0200
County: Putnam County, Florida
City/Community: Interlachen, Fl
State: Florida
Size: 0.22 Acres
Zoning: R2 - Residential, Medium Density
Listing Price
Cash Price: $8,999
Owner Financing Available:
Down Payment: $199
Document Fee: $250 (one-time)
Monthly Payment: $199/Month for 60 months
No credit check required
No prepayment penalty
Annual Property Taxes: $85.25
View Full Listing & Purchase Online:
Here is a rare opportunity to own a piece of real estate in one of Florida's most charming and historically rich small towns - Interlachen, located in the heart of Putnam County, Florida. This 0.022-Acre residential lot offers an affordable entry point into Florida land ownership, whether you're looking to build a small cabin retreat, invest in a growing region, or simply hold a piece of the Sunshine State for future appreciation.
Putnam County is a hidden gem nestled in North Central Florida, bordered by the St. Johns River to the east and the Ocala National Forest nearby to the south and west. The region is celebrated for its natural beauty, freshwater lakes, world-class bass fishing, and the quiet, unhurried lifestyle that has drawn generations of Floridians and newcomers alike. Interlachen itself is a small, tight-knit community surrounded by lakes - it is famously known as the "Town of Five Lakes" - offering a serene, natural setting that is becoming increasingly difficult to find at this price point anywhere in the state.
With Florida's population continuing to grow and land values rising across the board, this is an affordable way to get your foot in the door of the Florida real estate market. At only $85.25 per year in property taxes, the carrying cost of holding this land is extraordinarily low, making it a practical investment even if you simply want to sit on it for years to come.
Whether you're a first-time land buyer, a seasoned investor looking to diversify your portfolio, or a nature lover dreaming of a quiet Florida escape, this property deserves your attention.
Location & Community: Interlachen, Putnam County, Florida
Interlachen is a small unincorporated community and census-designated place (Cdp) in Putnam County, situated in northeastern Florida. Surrounded by five named lakes - Lake Grandin, Grandin Lake, Johnson Lake, Lake Hutchinson, and Swan Lake - Interlachen offers a uniquely peaceful lakeside lifestyle. The town has a proud history dating back to the late 19th century when it was a popular resort destination for wealthy Northerners escaping harsh winters, drawn by the beauty of the Florida landscape and the warm climate.
Today, Interlachen retains that same natural charm. It is a community that celebrates outdoor living - fishing, boating, kayaking, bird watching, and exploring the vast natural landscapes that characterize this part of Florida. The surrounding Putnam County region includes access to the St. Johns River, Cross Florida Greenway, and the Ocala National Forest, all within a reasonable drive.
Putnam County is centrally located in northeast Florida, making it accessible from several major metro areas. Jacksonville is roughly 60 miles to the northeast, Gainesville is approximately 40 miles to the west, and Ocala is about 45 miles to the south. This central positioning means that while you enjoy the peace and quiet of rural North Florida living, you are never truly far from major shopping, healthcare, employment, entertainment, and transportation hubs.
The county seat, Palatka, sits along the St. Johns River and offers essential services including retail shops, restaurants, medical facilities, schools, and a growing local economy. Palatka is experiencing a renaissance of sorts, with new businesses, riverfront development, and increased tourism interest bringing fresh energy to this historic river city.
GPS Coordinates
Use these coordinates to visit or locate this property on any map or navigation app:
Reference Point Latitude Longitude
Center: 29.706600-81.867600
Northwest Corner: 29.706500-81.867800
Northeast Corner: 29.706700-81.867800
Southwest Corner: 29.706500-81.867400
Southeast Corner:29.706700-81.867400
Simply enter 29.706600, -81.867600 into Google Maps, Apple Maps, or any GPS device to navigate directly to the center of the property.
Property Details
Feature Detail
Apn14-09-24-4076-1580-0200
County: Putnam County, Florida
City/Community: Interlachen, Fl
Property Size: 0.22 Acres
Annual Taxes: $85.25
Cash Price: $8,999
Owner Finance - Down$199 + $250 document fee
Owner Finance - Monthly$199/month for 60 months
GPS Center29.706600, -81.867600
Terrain Flat to gently rolling, North Florida landscape
Climate Subtropical - warm winters, hot summers
Why Buy Land in Putnam County, Florida?
Florida is one of the most sought-after real estate markets in the entire United States, and for good reason. The state has no income tax, a year-round warm climate, a massive and growing population, and an economy that continues to attract businesses and residents from across the country and the world. While coastal properties and major metro areas command premium prices, inland counties like Putnam County offer dramatically more affordable entry points - while still benefiting from Florida's broader growth and appeal.
Putnam County specifically offers:
Outstanding Natural Beauty - The county is home to dozens of freshwater lakes, the St. Johns River (one of the few north-flowing rivers in the United States), and proximity to the Ocala National Forest - the largest sand pine scrub forest in the world and a federally protected wilderness area teeming with wildlife including black bears, white-tailed deer, wild turkeys, and hundreds of bird species.
World-Class Bass Fishing - Putnam County is part of the Palatka area, which is recognized as one of the premier largemouth bass fishing destinations not just in Florida, but in all of North America. The St. Johns River and the many lakes and waterways in and around the county draw anglers from across the country throughout the year.
Low Cost of Living - Compared to coastal Florida or major metro areas, Putnam County offers a significantly more affordable cost of living. Property taxes are low, the cost of land remains relatively accessible, and everyday expenses are more manageable.
Growing Interest and Appreciation - As Florida's coastal and metro markets continue to become increasingly expensive, buyers and investors are looking inland for value. Putnam County has been receiving increased attention from people seeking affordability without sacrificing the Florida lifestyle, and land values in the region have been steadily increasing.
Proximity to Major Markets - Situated within an hour of Jacksonville, Gainesville, and Ocala, Putnam County is accessible enough to enjoy the amenities of larger cities while offering the peace and space of rural Florida living.
Outdoor Recreation - Beyond fishing, the county and surrounding region offer hunting on public lands, kayaking and canoeing on rivers and lakes, hiking and biking on the Cross Florida Greenway and Ocala National Forest trails, bird watching, camping, and more. If you love the outdoors, this part of Florida is genuinely special.
Historic Character - Towns like Palatka and Interlachen have genuine history and character - Victorian-era architecture, historic downtowns, and a sense of place that newer development areas simply cannot replicate. The community of Interlachen itself was a 19th-century resort destination, and that legacy of natural beauty and appeal continues today.
The Interlachen Lifestyle
Living in or near Interlachen means embracing the best of what North Florida has to offer. The Town of Five Lakes is surrounded by the namesake lakes that define the community's character - these waters are home to largemouth bass, bluegill, catfish, and other freshwater species that attract anglers of all ages. The surrounding forests and wetlands attract a remarkable diversity of wildlife and birds, making the area a favorite among naturalists and wildlife photographers.
The community is small and friendly, with the kind of neighborly character that has become rare in many parts of Florida. Local festivals, community events, and the strong tradition of outdoor recreation tie the community together. The nearby city of Palatka offers the services and amenities of a larger town, including grocery stores, hardware stores, restaurants ranging from local diners to chain establishments, medical facilities, pharmacies, and more.
The region is also well-positioned for the future. As Florida continues to grow and develop, inland areas like Putnam County are attracting new residents looking for space, affordability, and access to nature. Infrastructure continues to improve, and the county is committed to responsible growth that preserves the natural character that makes it special.
Ownership Information & Purchasing Process
This property is offered by H5 Land Ventures, a professional land investment company committed to providing transparent, hassle-free land purchasing experiences. All properties are sold with clear, marketable title. There are no hidden fees, no surprises, and no complicated processes.
Two simple ways to purchase:
Option 1 - Pay Cash:
Pay $8,999 in full and the property is yours. Simple, clean, and straightforward. Closing is handled quickly with no credit check, no bank involvement, and no delays.
Option 2 - Owner Financing:
Don't have the full cash amount? No problem. With H5 Land Ventures' owner financing program, you can secure this property with just a $199 down payment plus a one-time $250 document fee. From there, make convenient monthly payments of $199 per month for 60 months. There is no credit check required, and you can pay off early at any time with no prepayment penalty. This makes land ownership accessible to virtually anyone who wants to take the first step toward owning a piece of Florida.
To purchase or learn more:
Visit the full listing page at:
Properties at this price point, in this market, with owner financing available, do not last long. Florida land continues to appreciate, and affordable lots with low taxes and accessible financing are increasingly rare. If this property speaks to you, we encourage you to act promptly.
Nearby Points of Interest
Ravine Gardens State Park (Palatka) - A stunning Florida state park featuring dramatic ravines, suspension bridges, and a beautiful formal garden. The ravines are a geological anomaly in Florida's otherwise flat landscape and are especially breathtaking during the annual azalea bloom season in late winter and early spring.
St. Johns River - One of Florida's great natural treasures, the St. Johns River offers boating, fishing, wildlife viewing, and scenic beauty. Palatka's riverfront provides easy access to the river, and the town's marina and boat ramps make getting on the water simple.
Ocala National Forest - The southernmost national forest in the continental United States and one of the most unique ecosystems in North America, the Ocala National Forest encompasses hundreds of thousands of acres of sand pine scrub, cypress swamps, clear springs, and natural wonders. Swimming in natural springs such as Juniper Springs, Silver Glen Springs, and Alexander Springs is a quintessential North Florida experience. The forest is a short drive south of Interlachen.
Silver Springs State Park - Home to one of the world's largest artesian springs, Silver Springs State Park is a storied Florida attraction near Ocala. The crystal-clear spring waters support glass-bottom boat tours and a remarkable diversity of wildlife.
Palatka - The Gem City - The Putnam County seat is undergoing revitalization with new restaurants, shops, events, and riverfront development. The historic downtown and St. Johns River waterfront are worth exploring, and the city hosts the annual Azalea Festival which draws visitors from across the region.
Keystone Heights - A charming small city in Clay County just west of Putnam County, Keystone Heights is centered on Kingsley Lake - known as "the round lake" for its nearly perfect circular shape. The area offers a classic Old Florida small-town experience.
Lake Hutchinson and Swan Lake (Interlachen) - Within the immediate Interlachen community, these lakes offer opportunities for fishing, kayaking, and wildlife viewing, and are part of what defines the "Town of Five Lakes" character of the community.
Climate & Season Information
Interlachen and Putnam County enjoy a humid subtropical climate, which is characteristic of northeastern Florida. The region experiences warm to hot summers, mild winters, and a distinct wet season from late spring through early fall driven largely by afternoon thunderstorms.
Winter (December-February): Mild and pleasant, with daytime temperatures typically in the mid-60s°F and nighttime lows occasionally dipping into the 40s°F. Frost is rare but possible on cold nights. This is the peak season for outdoor activities and many snowbirds from northern states visit or relocate to the region during these months.
Spring (March-May): Increasingly warm and beautiful, with temperatures rising through the 70s and into the low 80s°F. Spring wildflowers bloom, azaleas peak in March, and fishing is exceptional. This is one of the best times to visit the property.
Summer (June-August): Hot and humid, with daytime temperatures regularly in the low-to-mid 90s°F and high humidity. Afternoon thunderstorms are common and often provide some relief from the heat. Florida's summers are intense, but the lush greenery and abundance of water activities (swimming, kayaking, fishing) make them enjoyable for outdoor enthusiasts.
Fall (September-November): The heat begins to ease by October, and by November the weather is comfortable and pleasant. Fall fishing in the St. Johns River and surrounding lakes is excellent.
Annual Rainfall: Approximately 50-55 inches per year, most of which falls during the June-September wet season.
Hurricane Risk: While Florida is subject to hurricanes and tropical weather, Interlachen and Putnam County are inland, which significantly reduces but does not eliminate tropical weather risk. Inland areas are sheltered from storm surge, which is the deadliest hurricane hazard, and typically experience reduced wind speeds compared to coastal areas.
A Note on Land Investment in Florida
Land is one of the oldest and most fundamental forms of investment, and in Florida - one of the fastest-growing states in the nation - raw land has historically proven to be a reliable store of value and a driver of wealth over time. Unlike stocks or other paper assets, land is tangible, finite, and always in demand.
Florida's population growth shows no sign of slowing. The state consistently ranks among the top destinations for domestic migration, driven by its warm climate, tax-friendly environment, business-friendly policies, and exceptional quality of life. As population grows, so does demand for land - both for residential development and recreational use.
Putnam County, with its natural beauty, central location, and relative affordability compared to coastal markets, is particularly well-positioned to benefit from these broader trends. Buying land here at this price point, with only $85.25 per year in taxes to carry the investment, represents a very low-cost way to participate in Florida's long-term growth story.
Whether your goal is to one day build a small retreat on this lot, sell it for appreciation in five or ten years, or simply diversify your investment portfolio with a tangible asset, this property offers a compelling opportunity at an accessible price.
Land Maps & Attachments
Directions to Land
Driving Directions to the Property
From Jacksonville, FL (Approximately 60 Miles / ~1 Hour 10 Minutes)
Jacksonville is Florida's largest city and a major metro hub in the northeast corner of the state. Reaching this Interlachen property from Jacksonville is a straightforward drive south and west along well-maintained state roads through some of Florida's most scenic rural landscape.
Begin by heading south on I-95 South from Jacksonville toward St. Augustine. Stay on I-95 South for approximately 14 miles until you reach the SR-16 West exit (Exit 318) toward Green Cove Springs and Palatka.
Take SR-16 West and drive approximately 25 miles through Green Cove Springs and the Clay County countryside, continuing until you reach US-17 South (also known as State Road 17). Merge onto US-17 South toward Palatka.
Continue on US-17 South for approximately 10 miles as it passes through East Palatka and crosses into Putnam County. You will pass over the historic Memorial Bridge across the St. Johns River into Palatka. Continue through Palatka on US-17 South.
Once through central Palatka, watch for the intersection with SR-20 West (Crill Avenue / State Road 20). Turn right (west) onto SR-20 West toward Interlachen and Hawthorne.
Follow SR-20 West for approximately 14 miles through the Putnam County countryside. You will pass through the small communities of Satsuma and Rice Creek before entering the Interlachen area. Watch for the community of Interlachen on your right.
As you approach Interlachen on SR-20, use your GPS coordinates (29.706600, -81.867600) to navigate the final approach to the property. Local roads in the Interlachen area are a combination of paved and unpaved county roads - a standard vehicle should be sufficient for the roads in this area under normal weather conditions.
Total estimated drive: approximately 60 miles, 1 hour to 1 hour 15 minutes depending on traffic.
From Gainesville, FL (Approximately 40 Miles / ~50 Minutes)
Gainesville is the home of the University of Florida and serves as the cultural and economic center of Alachua County. It sits to the west of Putnam County, making the drive to Interlachen a pleasant eastward journey through North Florida's natural landscape.
From central Gainesville, head east on SR-20 East (also known as Hawthorne Road or State Road 20 East). SR-20 is the primary arterial road connecting Gainesville to Interlachen and Palatka.
Follow SR-20 East continuously for approximately 38 miles. This route passes through the small town of Hawthorne (approximately 15 miles east of Gainesville) and then continues east through the Putnam County border and through the rural North Florida landscape - flat terrain with pine forests, wetlands, and occasional cattle ranches that characterize this part of the state.
Continue on SR-20 East past the small communities of Florahome and Rice Creek. Watch for the community of Interlachen as you approach.
As you enter the Interlachen area on SR-20, use your GPS coordinates (29.706600, -81.867600) to navigate to the property. The property center point is located near SR-20's corridor through the Interlachen community.
Total estimated drive: approximately 38-40 miles, 45 to 55 minutes depending on traffic and road conditions.
This is a pleasant and very direct drive along a single state road, making it one of the easiest approaches to the property from any direction.
From Ocala, FL (Approximately 50 Miles / ~1 Hour)
Ocala is a vibrant city in Marion County known as the "Horse Capital of the World" and serves as a major regional hub for North Central Florida. It sits to the south and slightly west of Putnam County, making the approach to Interlachen a scenic northward drive through the rolling horse farms and forests of North Florida.
From central Ocala, head north on US-441 North / US-301 North. This major highway corridor runs north through Marion County toward Putnam County.
Follow US-441 North for approximately 25 miles through the community of Citra and then the town of Hollister. The landscape transitions from the rolling horse farm terrain of Marion County into the flatter, pine-forested landscape of Putnam County.
As you enter Putnam County, watch for the intersection with SR-20 East near the community of Interlachen and the surrounding area. Turn right (east) onto SR-20 East toward Interlachen if approaching from the west, or continue north on US-441 depending on your exact starting point in Ocala.
Alternative from Ocala: You may also take SR-40 East from Ocala toward Silver Springs and then north on SR-19 North through the Ocala National Forest toward Interlachen - this route is scenic but adds distance and is recommended for those who enjoy a forest drive rather than the fastest route.
Once on SR-20 in the Interlachen corridor, use your GPS coordinates (29.706600, -81.867600) to navigate the final approach to the property.
Total estimated drive: approximately 45-55 miles, 55 minutes to 1 hour 10 minutes depending on exact starting point in Ocala and route chosen.
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