St Interlachen, FL 32148

This 0.9 acre lot in Interlachen is a simple hard asset play: $2499 down, $699 a month, no bank, no interest, and low carrying costs with no HOA. Flood Zone X keeps it clean. Hold it, resell it, or build later. The terms are transparent and the purchase takes days, not months.

The Land

This is 0.9 acre in Interlachen, an established residential area of Putnam County in north central Florida, with legal recorded access on Holiday Try / Rome St and power available in the area. There is no HOA, so no one dictates what you do with your own land. It sits in Flood Zone X, the high and dry designation, which means no flood insurance requirement and none of the extra costs the low lying lots carry. It is level, buildable, and ready for the home you picture, whether that is a manufactured home, a modular home, a site built house, or a barndominium.

Property Features

- 0.9 acre residential building lot

- Flood Zone X, high and dry, outside the high risk floodplain

- No HOA and no deed restrictions beyond standard county rules

- Access on Holiday Try / Rome St with year round access

- Power available in the area, private well and septic for water and waste

- Level and buildable in an established area

- Owner financing with no bank, no credit check, no income verification, and no interest

- Warranty Deed recorded in your name, backed by a 100 day satisfaction guarantee

- Located in Interlachen, Putnam County, north central Florida

- Priced as an early entry, not a premium

Picture the Area

Interlachen sits between the lakes, which is exactly what its name means, a quiet pocket of Putnam County dotted with dozens of small freshwater lakes. Palatka and the St. Johns River are about twenty five minutes east, Gainesville and the University of Florida about forty minutes northwest, and Ocala about an hour west. You get calm, affordable Florida living with real towns and big water within easy reach.

Getting There and Around

Interlachen is a short drive from Palatka, the Putnam County seat, for groceries, shopping, and medical care. Gainesville and the University of Florida are about forty minutes northwest, Ocala and the Ocala National Forest are about an hour west, and the St. Johns River, one of the great bass rivers in the country, is close to the east.

Life Here

Interlachen is small town Florida at an affordable price, lakes in every direction, quiet roads, and space to spread out. Buyers priced out of Gainesville and the coasts keep moving into Putnam County for exactly this, land of their own without a big city price tag.

What Is Nearby

- Dozens of small fishing lakes in and around Interlachen

- The St. Johns River near Palatka, world class bass fishing and boating

- Rodman Reservoir, a legendary trophy bass fishery, a short drive south

- Ocala National Forest, springs, trails, and camping, about an hour west

- Gainesville and the University of Florida, about forty minutes northwest

- Palatka, the county seat, for groceries, shopping, and medical care

Who This Land Is For

This is for the investor who wants a tangible asset with low drama and real optionality. Predictable terms, minimal carrying cost, and room to hold or exit on your own timeline.

What You Get

- 0.9 acre you own outright, deeded in your name

- $2499 down and $699 a month, no interest, no bank, no credit check

- One flat $249 document fee and nothing else, no commissions, no junk fees

- Flood Zone X, high and dry, and no HOA

- Build on it now, or hold it as long as you like, it is yours either way

- The 100 Day Love It or Swap It promise, so your money is protected from day one

Building Your Home

This lot supports the full range of Florida homes, and here is a realistic look at each path so you can plan with confidence.

- Manufactured home: a modern three bedroom, two bath double wide runs about 45,000 to 75,000 dollars for the home, plus site prep, well, and septic, for a move in total around 62,000 to 106,000 dollars, often within 60 to 90 days after permits.

- Modular home: built to Florida code on a permanent foundation, about 80,000 to 120,000 dollars for the structure plus foundation, well, and septic, for a total in the 107,000 to 164,000 dollar range.

- Site built home: fully custom at roughly 90 to 125 dollars per square foot, so a 1,000 to 1,200 square foot starter comes in around 90,000 to 150,000 dollars plus site work.

- Barndominium: durable and low maintenance, with a total around 89,000 to 151,000 dollars including well and septic.

- Tiny home or cabin: a permitted small structure can come in well under 60,000 dollars, a great way to use the land now while you plan a larger build.

Utilities and What to Expect

This is raw land, so you set up your own utilities, and the costs here are friendly. A well runs about 4,000 to 7,000 dollars and gives you unlimited water with no monthly bill. A septic system runs about 5,000 to 9,000 dollars, and the sandy soils in this area are well suited for it. Power lines are already in the area, so your electric connection is straightforward. For internet, Starlink and cellular home internet both work well out here, which makes the property fully livable for remote work.

The Terms, Plain and Simple

- Discounted Cash Price: $29,900

- Or $2499 down, then $699 a month for 52 months

- $249 one time document fee

- No interest, no credit check, no bank, no income verification

If you are comfortable with the down payment and happy with the monthly, we have a deal.

Message or call today and this lot is yours.

Your Money Is Protected

When the balance is paid, ownership transfers to you by Warranty Deed, the strongest form of ownership there is, recorded in your name. And you are protected the whole way. Visit within your first 100 days, and if this is not the perfect fit, your full principal moves to any other property in our inventory of equal or greater value. Keep renting and you have nothing to show for it. Own this and you hold a real, deeded asset in your name.

Property Details

Property Address: Holiday Try / Rome St, Interlachen, Fl

County: Putnam

Size: 0.9 acre

Parcel Apn: 04-10-24-5532-0020-0010

Terrain: Level

Flood Zone: Zone X, the high and dry designation

Zoning: Residential

HOA: None

Access: Holiday Try / Rome St

Water: Well

Sewer: Septic

Electric: Available in the area

Annual Taxes: Modest for raw land of this size and value

Frequently Asked Questions

What about the flood zone?

This lot is in Flood Zone X, the lowest risk designation, which sits outside the high risk floodplain. That means no mandatory flood insurance and none of the extra foundation costs or premiums that higher risk zones carry. In plain terms, it is high and dry.

Can I build any type of home here?

Yes. The lot is set up for single family homes, which includes manufactured homes, modular homes, site built homes, barndominiums, and permitted small structures. You choose what fits your timeline and budget.

Do I need to build right away?

No. Own it now and build whenever you are ready, whether that is next year or years from now. Many owners simply hold the land and enjoy visiting it in the meantime.

How does the owner financing work?

You pay $2499 down and $699 a month for 52 months, plus a one time $249 document fee. We carry the financing ourselves, with no interest, no bank, no credit check, and no income verification. When it is paid, the property is deeded to you.

Is there an HOA?

No. No association dues and no restrictive covenants. Standard county rules are the only thing governing what you build.

Is there road access?

Yes. The lot has legal, year round access on Holiday Try / Rome St.

Can I camp or park an RV on the lot?

County rules on RV and camping use vary, so reach out and we will walk you through exactly what is allowed on this parcel today.

What are the property taxes?

Taxes on raw land at this value are very affordable, typically well under 300 dollars a year. Once you build and h