Escape to Florida with Your Own Lot
117 Romanshorn St : Interlachen, FL 32814
Putnam County, Florida
Lot Description
Your Gateway to North Florida Paradise: 0.24 Acres in Scenic Putnam County
Affordable Land Ownership in Florida's Hidden Gem
Putnam County, Florida (Near Florahome)
Property Overview
Apn: 19-10-24-4074-0530-1530
Size: 0.24 Acres (10,454 Square Feet)
Location: Putnam County, Florida (Florahome Area)
County: Putnam County
Annual Property Taxes: $98.65
Gps Coordinates:
Center: 29.606970, -81.944530
Northwest Corner: 29.607073, -81.944751
Northeast Corner: 29.607077, -81.944316
Southwest Corner: 29.606869, -81.944748
Southeast Corner: 29.606873, -81.944314
Property Listing:
Exceptional Pricing Options
Cash Purchase
$8,999 - Immediate Ownership
Owner Financing Available
Start building your future today with our incredibly affordable payment plan:
Down Payment: $199
Document Fee: $250
Monthly Payment: $199/Month
Term: 72 months (6 years)
No Credit Check
Fast & Simple Process
For less than the cost of a daily coffee habit, you can own a quarter-acre of beautiful Florida land. At just $199 per month, this property is more affordable than a cell phone bill, yet it offers something infinitely more valuable - a tangible asset that you can use, enjoy, and build upon for generations to come.
-Discover Putnam County: Florida's Best-Kept Secret
Welcome to Putnam County, one of North Central Florida's most charming and affordable regions. With a population of approximately 73,000 residents spread across 722 square miles, this is a place where you can truly experience the Florida that existed before the crowds - where nature remains abundant, the cost of living is remarkably low, and the pace of life allows you to breathe.
A County Rich in History and Natural Beauty
Established on January 13, 1849, from portions of St. Johns County and Alachua County, Putnam County was named after Benjamin Alexander Putnam (1801-1869), a soldier in the Seminole Indian War, Florida legislator, and the first president of the Florida Historical Society. The county seat of Palatka sits gracefully on the banks of the legendary St. Johns River, one of the few rivers in North America that flows north.
Putnam County is positioned in the heart of North Central Florida, strategically located:
East of Gainesville (home of the University of Florida)
North of Ocala (Florida's horse capital)
Southwest of Jacksonville (Northeast Florida's metropolitan hub)
West of St. Augustine (the nation's oldest city)
This central location means you're never far from major employment centers, medical facilities, airports, beaches, or cultural attractions - yet you enjoy the tranquility and affordability of authentic rural Florida living.
The Florahome Community: Your New Neighborhood
Your property is located in the Florahome area, one of Putnam County's most charming unincorporated communities. With a population of approximately 1,500-2,000 residents, Florahome offers the tight-knit community atmosphere that many people crave but can rarely find in today's world.
The History of Florahome:
Founded in 1899 by the Georgia Southern and Florida Railway, Florahome has a fascinating origin story. The community's name is believed to honor Flora Sipprell, one of the original residents. As the story goes, locals would say they were heading to "Flora's home," and the name stuck.
In the late 1800S, enterprising developers drained the marshy lowlands near Palatka to create suitable farmland and attract settlers. Florahome was actually once an island, but the water was drained to make way for crops, livestock, and homes. Today, the town sits atop a sandy hill that rises from the surrounding wetlands - a testament to the determination of Florida's early pioneers.
Community Character:
Florahome's streets follow a unique and charming grid system:
North-South streets are named for trees and shrubs
East-West streets are named for states and provinces
This organized layout reflects the careful planning that went into the community's development and makes navigation simple and intuitive.
The community maintains its historic charm while offering modern conveniences including:
Local post office
Convenient stores
Access to State Road 100 (the main transportation corridor)
Beautiful oak and magnolia trees lining the streets
Rich peat lands supporting agriculture
Peaceful, low-crime environment
Residents describe Florahome as a place where "not a whole lot goes on" - and they wouldn't have it any other way. This is a community that values peace, neighborliness, and the simple pleasures of rural life.
Natural Wonders at Your Doorstep
The Florahome area is blessed with extraordinary natural features that make it a paradise for outdoor enthusiasts:
Etoniah Creek State Forest:
Just minutes from your property, this 8,679-Acre state forest offers world-class outdoor recreation:
Lake Blossom Trail: A one-mile loop around a scenic sinkhole lake, perfect for bird watching and nature photography
Fieldhouse Trailhead: An 18-mile trail system for serious hikers and campers
Etoniah Creek: A pristine waterway flowing 2.5 miles through the forest's eastern section
Protected Flora: Home to Conradina Etonia, a federally protected endangered shrub in the mint family
Camping Opportunities: Primitive and developed camping options
Wildlife Viewing: Deer, wild turkeys, numerous bird species, and diverse ecosystems
George's Lake:
Described as "the area's heartbeat," George's Lake is where locals and visitors come to relax, fish, boat, and enjoy the water. This beautiful natural lake provides:
Excellent freshwater fishing
Swimming and recreational opportunities
Boating and kayaking
Peaceful waterfront scenery
Community gathering spot
Historical Landmarks:
The area features significant historical sites including remnants of the Bellamy Road , a historic sand road completed in 1826. This route connected St. Augustine to Tallahassee and was built under contract by John Bellamy, who completed the work using Native American guides. Today, portions of this historic road still exist and form part of the county line between northwest Putnam and southwest Clay County.
Climate: Year-Round Outdoor Living
Putnam County enjoys Florida's classic humid subtropical climate, offering:
Summers (June-September):
Warm temperatures with daily highs in the 90s°F
Afternoon thunderstorms providing natural cooling and watering
Perfect for water activities and early morning outdoor adventures
Autumn (October-November):
Pleasant temperatures in the 70s-80s°F
Lower humidity levels
Reduced rainfall
Ideal conditions for all outdoor activities
Winters (December-March):
Mild, comfortable temperatures averaging 60s-70s°F
Minimal rainfall
Perfect weather for building, landscaping, or simply enjoying the outdoors
No snow, no ice - just gentle Florida sunshine
Springs (April-May):
Beautiful warming trend from 70s into 80s°F
Wildflowers and natural beauty emerge
Increasing warmth perfect for swimming
Nature comes alive with bird migrations and wildlife activity
The mean annual temperature exceeds 72°F, and annual precipitation averages over 50 inches, providing excellent growing conditions year-round. This climate means you can garden, fish, hike, and enjoy your property twelve months a year - a luxury unavailable in most of the United States.
The Property: Your Blank Canvas
This 0.24-Acre parcel represents an outstanding opportunity to own Florida land at an incredibly accessible price point. Whether you're planning to build your dream home, create a weekend retreat, invest for future appreciation, or simply want to own a piece of the Sunshine State, this property provides the foundation.
Land Characteristics
Size and Dimensions:
0.24 acres 10,454 square feet
Ample space for a home, yard, gardens, and outbuildings
Rectangular configuration with clearly defined GPS corners
Sufficient size for privacy while remaining manageable
Terrain and Soil:
The property is located in an area characterized by Florahome soil series - moderately well-drained sandy soils typical of North Central Florida. These soils are:
Well-suited for residential development
Excellent for septic system installation
Good drainage characteristics
Favorable for most vegetation and landscaping
Stable building foundation when properly prepared
Vegetation and Natural Features:
The property is in an area known for native Florida vegetation including:
Oak trees (laurel oak, live oak)
Pine trees (slash pine, longleaf pine)
Hickory and sweetgum
Native grasses and ground cover
Sawpalmetto and other understory vegetation
This natural Florida landscape provides privacy, shade, and habitat for local wildlife while offering you the flexibility to clear and develop according to your vision and local regulations.
Development Potential and Options
Residential Uses:
This property is suitable for various residential applications:
1. Site-Built Home: Construct a custom home designed to your exact specifications. Build your dream house with the features and layout you've always wanted.
2. Manufactured/Mobile Home: An excellent option for affordable housing. Many quality manufactured homes offer modern amenities at a fraction of traditional construction costs.
3. Modular Construction: Prefabricated modular homes combine factory efficiency with custom design options and can be installed quickly.
4. Tiny Home/Alternative Housing: Join the growing movement toward simplified living with a tiny home or alternative housing design.
5. Recreational Cabin: Build a weekend getaway or hunting cabin for family enjoyment.
Utilities and Services:
Water: Private well installation will be required. The area has good groundwater resources, and many neighboring properties successfully operate on private wells. Contact the Putnam County Water Department at for current information on well drilling requirements and permits.
Sewer: Septic system installation will be required for waste management. This is standard for rural properties in Putnam County and provides independent, reliable service without monthly sewer bills. Septic systems must be permitted through the Florida Department of Health - Putnam County.
Electricity: Power is available in the area from the local utility provider. Contact them regarding connection costs and timelines for your specific development plans.
Internet/Communications: Multiple options are available:
Satellite internet (available anywhere)
Fixed wireless providers
Cellular-based internet (4G/5G availability growing)
Traditional providers may be available depending on exact location
Financial Advantages
Ultra-Low Property Taxes:
At just $98.65 annually (approximately $8.22 per month), the property taxes are extraordinarily affordable. This is less than most people spend on a single meal at a restaurant, yet it represents the total annual carrying cost for your land investment.
No HOA Fees:
Freedom from Homeowners Association fees means:
No monthly or annual HOA dues
No restrictive covenants limiting your use
Maximum flexibility in how you develop and use your property
Significant long-term savings (many HOAs charge $100-500+ monthly)
Affordable Ownership:
The combination of low purchase price, minimal taxes, and no HOA fees makes this one of the most affordable land ownership opportunities in Florida:
Total annual carrying cost: $98.65
Monthly carrying cost: $8.22
With owner financing: $199/Month for 72 months, then just $8.22/Month
Strategic Location: Connected Yet Secluded
One of the most compelling aspects of this property is its strategic position in North Central Florida. You enjoy rural tranquility while maintaining convenient access to major cities and all their amenities.
What Palatka Offers:
As Putnam County's seat and largest city (population approximately 10,500), Palatka provides essential services:
Government Services: All county offices, permitting, and administrative services
Healthcare: Putnam Community Medical Center offering emergency and general medical care
Shopping: Walmart Supercenter, Winn-Dixie, Save-A-Lot, and various retail shops
Banking: Multiple banks and credit unions
Dining: Variety of restaurants from fast food to local favorites
Historic Attractions: Beautiful Ravine Gardens State Park, historic downtown district
St. Johns River Access: Boat launches, fishing, and waterfront activities
Employment Opportunities: Government, healthcare, education, retail, and service industries
Palatka serves as your primary hub for grocery shopping, medical appointments, government services, and day-to-day needs - all within a short 20-25 minute drive.
What Gainesville Offers:
As home to the University of Florida and a population of over 145,000, Gainesville is North Central Florida's economic and cultural powerhouse:
Employment & Economy:
University of Florida (major employer with thousands of positions)
UF Health Shands Hospital (one of the nation's top medical centers)
Technology sector and startups
Professional services
Retail and hospitality
Education:
University of Florida (top-tier research university)
Santa Fe College (excellent community college)
Outstanding public schools
Private school options
Healthcare:
UF Health Shands Hospital (comprehensive medical center)
VA Hospital
Numerous specialty clinics and practices
Top-tier medical care in virtually every specialty
Shopping & Entertainment:
Multiple shopping malls including Oaks Mall
Extensive retail corridor along Archer Road
Outlet shopping
Diverse dining scene (hundreds of restaurants)
Cultural attractions: Florida Museum of Natural History, Harn Museum of Art, Hippodrome Theatre
Performing arts venues
Nightlife and entertainment
Recreation:
- Ben Hill Griffin Stadium ("The Swamp") - Florida Gators football
- O'Connell Center - Gators basketball and events
- Numerous parks, trails, and natural areas
- Devil's Millhopper Geological State Park
- Paynes Prairie Preserve State Park
- Kanapaha Botanical Gardens
Transportation:
- Gainesville Regional Airport (Gnv) with daily flights to major hubs
- Amtrak service
- Regional bus service
Many Putnam County residents commute to Gainesville for higher-paying employment while enjoying significantly lower cost of living at home. The 40-50 minute commute is very manageable and takes you through beautiful rural countryside.
What Jacksonville Offers:
As Northeast Florida's largest city (population 950,000+) and economic center, Jacksonville provides world-class amenities:
Economy & Employment:
Major financial services center (Bank of America, Deutsche Bank, Wells Fargo operations)
Healthcare sector (Mayo Clinic, Baptist Health, UF Health)
Military installations (Naval Station Mayport, NAS Jacksonville, Blount Island Command)
Port of Jacksonville (one of nation's largest ports)
Professional services, logistics, technology
Transportation:
Jacksonville International Airport (Jax) - major hub with direct flights throughout U.S., Caribbean, and internationally
Port facilities for cruise ships
Amtrak service
Extensive highway system
JTA public transportation
Healthcare:
Mayo Clinic (world-renowned medical center)
Baptist Health system
UF Health Jacksonville
Nemours Children's Hospital
Specialized care in every medical field
Education:
University of North Florida
Jacksonville University
Florida State College at Jacksonville
Numerous private colleges and universities
Recreation & Culture:
NFL's Jacksonville Jaguars (Tiaa Bank Field)
Professional soccer, minor league baseball
22 miles of Atlantic Ocean beaches (Jacksonville Beach, Atlantic Beach, Neptune Beach, Ponte Vedra Beach)
World-class golf courses
Museum of Science & History (Mosh)
Cummer Museum of Art & Gardens
Extensive park system and nature preserves
Jacksonville Zoo and Gardens
Adventure Landing amusement parks
Shopping & Dining:
St. Johns Town Center (premier outdoor shopping)
Avenues Mall and River City Marketplace
Thousands of restaurants representing every cuisine
Entertainment districts in downtown, beaches, and Riverside
While Jacksonville is farther than Palatka or Gainesville, it remains easily accessible for:
Airport access for business or vacation travel
Specialized medical appointments
Major entertainment events and sports
Beach weekends (Jacksonville's beaches are beautiful and less crowded than South Florida)
Big-city shopping and dining experiences
Regional Position and Day-Trip Destinations
Your property's central North Florida location puts you within easy reach of numerous attractions:
Within 30-40 Miles:
Keystone Heights and area lakes
Ocala National Forest (400,000 acres of wilderness)
Historic St. Augustine (50 miles - nation's oldest city)
Numerous state parks and natural areas
Within 60-90 Miles:
Daytona Beach (60 miles - famous beach and Nascar)
Ocala (45 miles - horse capital, shopping, dining)
Crystal River (90 miles - manatee viewing)
Multiple springs and natural attractions
Within 2-3 Hours:
Orlando theme parks (Disney World, Universal, SeaWorld)
Tampa/St. Petersburg metro area
Florida's Gulf Coast beaches
Kennedy Space Center
This strategic central location means you can enjoy quiet rural living while maintaining access to virtually everything Florida has to offer - from world-class beaches to theme parks, from championship golf to spring-fed rivers, from big-city amenities to pristine wilderness.
Lifestyle and Recreation: The Outdoor Advantage
Living in or near Florahome means embracing Florida's legendary outdoor lifestyle. This is an area where nature isn't just nearby - it's part of daily life.
Fishing Paradise
Putnam County is known as the "Bass Fishing Capital of America," and for excellent reason. The area features:
The St. Johns River:
One of America's great bass fishing rivers
Trophy largemouth bass regularly caught
Excellent crappie, catfish, and panfish populations
Public boat ramps and access points
Guide services available
Area Lakes:
George's Lake (nearby community focal point)
Numerous smaller lakes and ponds
Excellent fishing for bass, bluegill, shellcrackers
Many lakes lightly fished with trophy potential
Rodman Reservoir (Lake Ocklawaha):
Premier bass fishing destination
Approximately 20-25 miles away
9,500 acres of productive water
Nationally known among bass anglers
Hunting Opportunities
The surrounding forests and managed wildlife areas offer hunting for:
White-tailed deer
Wild turkey
Wild hogs
Small game
Waterfowl (seasonal)
Managed seasons through Florida Fish and Wildlife Conservation Commission
Hiking and Nature Trails
Etoniah Creek State Forest offers extensive trail systems
Day hiking trails of varying difficulty
Multi-day backpacking routes
Equestrian trails
Mountain biking opportunities
Wildlife viewing platforms
Ocala National Forest (30 miles):
Hundreds of miles of trails
Florida National Scenic Trail
Wilderness areas
Primitive camping
Spring-fed streams and lakes
Water Sports and Activities
Swimming in local lakes and springs
Kayaking and canoeing pristine waterways
Boating on area lakes
Snorkeling in crystal-clear springs
Stand-up paddleboarding
Tubing down scenic creeks
Wildlife Viewing and Photography
The diverse ecosystems support abundant wildlife:
White-tailed deer
Wild turkey
Bald eagles and ospreys
Great blue herons and egrets
Sandhill cranes
Various waterfowl
Gopher tortoises
Occasional black bears (in forest areas)
Numerous songbird species
Photographers and nature enthusiasts find endless subjects in every season.
Community Events and Culture
While Florahome is small, the broader Putnam County area hosts:
County fairs and festivals
Farmers markets
Holiday celebrations
Local sporting events
Church and community gatherings
Historical society events
The tight-knit community atmosphere means you'll get to know your neighbors and become part of something special.
Economic Opportunity and Investment Value
Beyond lifestyle benefits, this property represents sound financial planning:
Cost of Living Advantages
Putnam County's cost of living index sits approximately 18-20% below the national average, with particularly strong savings in:
Housing:
Land prices significantly below coastal Florida
Building costs more affordable than metro areas
Property taxes among state's lowest
Insurance costs lower than coastal zones
Overall Expenses:
Lower grocery costs than metro areas
Reduced transportation expenses (less traffic, shorter distances)
Affordable utilities
Competitive fuel prices
This means your dollars stretch further, whether you're on a fixed income, starting your career, or simply want to live more economically while maintaining quality of life.
Appreciation Potential
Historical Trends:
Florida land has appreciated consistently over decades. Even through economic cycles, Florida land generally recovers and continues gaining value due to:
Limited supply of desirable land
Continuing population growth (Florida gains approximately 1,000 new residents daily)
Migration from high-tax, cold-weather states
Baby boomers retiring to Florida
Remote work revolution opening rural areas to professionals
Local Growth Factors:
Proximity to growing Gainesville metro area
Jacksonville's continued expansion
Improved transportation infrastructure
Growing tourism sector
Increasing interest in rural properties
Affordable housing demand
Conservative Projection:
Even a modest 3-5% annual appreciation on a $9,000 property means $270-450 in value increase yearly. Over time, this compounds significantly while your annual carrying cost remains just $98.65.
Hold Strategy Benefits
Minimal Carrying Costs:
With annual taxes of $98.65 (about $8.22 monthly) and no HOA fees, you can easily hold this property indefinitely while it appreciates. Few investments offer such favorable cash flow dynamics.
Tax Benefits:
Property tax deductions (if itemizing)
No capital gains if held as primary residence (with qualifications)
Potential 1031 exchange advantages for investors
Step-up in basis for heirs
Flexibility:
Hold for future development
Build when financially optimal
Sell when market conditions are favorable
Pass to children/grandchildren
Use as collateral for other investments
Build and Rent Strategy
Putnam County's affordable housing market creates rental demand:
Build modest home or place manufactured home
Rent for $700-1,000+ monthly
Property pays for itself while appreciating
Build equity automatically
Create passive income stream
Eventually convert to retirement home or sell
Comparison to Alternative Investments
Versus Stocks/Bonds:
Tangible asset you can use and enjoy
Not subject to daily market volatility
Provides utility beyond financial returns
Inflation hedge (land prices rise with inflation)
No management fees or expense ratios
Tax advantages
Versus Urban Real Estate:
Far lower entry cost
Minimal carrying expenses
No tenants, no maintenance issues (until you build)
More control over timing and development
Less competition in rural markets
Greater appreciation potential percentage-wise
Versus Savings Accounts:
Significantly higher return potential
Inflation protection
Usable asset providing lifestyle value
Tax advantages
Legacy value for heirs
Practical Considerations and Planning
Building Your Dream
When you're ready to develop, consider:
Site Preparation:
Land clearing and grading
Driveway installation
Utility connections
Soil testing for septic system
Permitting:
Contact Putnam County Building Department for:
Building permits
Septic permits (through Florida Dept. of Health)
Well permits
Electrical permits
Any required inspections
Phone: for Putnam County Building Department
Timeline Estimates:
Permitting: 2-8 weeks depending on complexity
Well installation: 1-3 days drilling, 1-2 weeks total
Septic installation: 1-2 weeks after permit approval
Manufactured home placement: 1-3 days
Site-built home construction: 4-9 months depending on size
Budget Considerations:
Manufactured Home Approach:
Land purchase: $8,999 (or $199/Month financing)
Used manufactured home: $15,000-40,000
New manufactured home: $40,000-80,000
Site prep and installation: $5,000-15,000
Well and septic: $8,000-15,000
Power connection: $1,000-5,000
Total estimate: $38,000-155,000 depending on choices
Site-Built Home Approach:
Land purchase: $8,999
Construction (modest 1,200 sq ft): $120,000-180,000
Site prep and utilities: $15,000-25,000
Total estimate: $144,000-214,000
Both approaches result in total costs far below what you'd pay for comparable homes in coastal or metropolitan Florida markets, and significantly below home prices in most other states.
Nearby Services and Amenities
Healthcare:
Putnam Community Medical Center (Palatka) - 20-25 minutes
UF Health Shands (Gainesville) - 45-50 minutes
Mayo Clinic (Jacksonville) - 1.5 hours
Various clinics and urgent care facilities
Shopping:
Convenience stores in Florahome
Full grocery and retail in Palatka (20-25 minutes)
Major shopping in Gainesville (45-50 minutes)
Big-city shopping in Jacksonville (1.5 hours)
Education:
Putnam County School District serves the area
Schools in Palatka and surrounding communities
University of Florida (Gainesville)
St. Johns River State College (Palatka)
Jacksonville universities within commuting distance
Emergency Services:
Putnam County Fire Rescue
Putnam County Sheriff's Office
Emergency services readily accessible
Frequently Asked Questions
Q: What can I build on this property?
A: Subject to Putnam County zoning and building codes, you can typically build single-family homes, manufactured homes, or other residential structures. Contact Putnam County Planning and Zoning for specific requirements.
Q: How deep are wells in this area?
A: Well depths vary but typically range from 80-200 feet. The area has good groundwater resources. Consult local well drillers for specific information.
Q: Are there any restrictions on the property?
A: You should review the deed and title work for any specific restrictions. Standard county zoning and building codes apply. No HOA restrictions.
Q: Can I place an RV on the property?
A: Regulations vary. Check with Putnam County regarding RV use, temporary versus permanent placement, and any permitting requirements.
Q: What about internet access?
A: Multiple options exist including satellite internet (available everywhere), fixed wireless, and potentially cellular-based internet. Availability of cable/fiber depends on exact location.
Q: How quickly can I close?
A: Cash purchases can close in as little as 1-2 weeks. Owner financing can often close even faster, sometimes within days.
Q: What if I need to sell the property later?
A: You maintain full ownership and can sell anytime. Raw land in growing areas of Florida generally maintains good resale potential.
Q: Are there any environmental concerns?
A: Florida requires environmental considerations for any development. Wetland determinations, endangered species surveys, etc. may be required depending on your specific development plans. Consult with environmental professionals during your planning phase.
Q: What about property insurance?
A: Vacant land typically requires minimal insurance. Once you build, homeowner's insurance is available. Florida Citizens Property Insurance serves as insurer of last resort if needed.
Q: Can I visit the property before buying?
A: Absolutely. We encourage buyers to visit and inspect the property. Use the GPS coordinates provided to locate the exact property boundaries.
Why Choose Owner Financing?
Our owner financing option makes land ownership accessible to almost everyone:
Benefits of Owner Financing
No Credit Check:
Your credit score doesn't determine your future. We focus on your commitment, not your past financial challenges.
Fast Approval:
No lengthy bank approval process. We can typically complete the transaction within days, not months.
Simple Terms:
No complex mortgage documents or confusing banking jargon. Straightforward contract, clear terms, easy to understand.
Build Credit:
Making regular payments can help establish positive payment history.
Preserve Capital:
The low down payment ($199) lets you preserve cash for other needs:
Emergency fund
Building fund for future development
Other investments
Day-to-day living expenses
Flexibility:
Pay off early without penalty
Refinance later if desired
Manageable monthly payment that doesn't strain your budget
The Numbers Make Sense
Total Cost with Owner Financing:
Down payment: $199
Document fee: $250
Monthly payments: $199 x 72 months $14,328
Paid: $14,777
Compared to:
- Paying rent for 72 months at $800/Month $57,600 (with nothing to show for it)
- Car payments over same period
- Other consumer debt
After 72 months, you own the property free and clear:
- No more payments except $8.22/Month in property taxes
- Build whenever you're ready
- Sell for potential profit
- Pass to heirs
- Use as you wish
This represents one of the most affordable paths to land ownership available anywhere in the United States.
Buyer Scenarios: Who Benefits from This Property?
The Retirement Planner (Ages 45-65)
You're still working but planning ahead:
- Buy now at today's prices
- Hold while property appreciates
- Pay off during working years ($199/Month is manageable)
- Build when you retire
- Avoid future price inflation
- Retire debt-free with land paid off
- Reduce living expenses in retirement significantly
Annual cost after payoff: $98.65 in taxes
The Retiree (Age 60+)
You're ready to enjoy Florida living:
- Escape cold northern winters
- Reduce living expenses dramatically
- Build affordable home or place manufactured home
- Live on modest retirement income comfortably
- Enjoy fishing, nature, and outdoor activities daily
- Stay active in welcoming community
- Access quality healthcare in Gainesville or Jacksonville
Why this works: Ultra-low carrying costs align with fixed retirement income
The Remote Worker (Ages 25-50)
You can work from anywhere:
- Escape expensive urban rents/mortgages
- Build ideal work-from-home environment
- Enjoy nature during breaks and after work
- Save thousands monthly versus city living
- Build equity instead of enriching landlords
- Achieve work-life balance previously impossible
- Position yourself for financial independence
Monthly savings compared to urban apartment: $500-2,000+
The Weekend Warrior (All Ages)
You live in Jacksonville, Gainesville, or Orlando:
- Create affordable weekend retreat
- Build cabin or place Rv
- Escape city stress regularly
- Give kids nature experiences
- Fish, hunt, and explore without expensive travel
- Future retirement spot already secured
- Potential rental income when not using
The First-Time Buyer (Ages 21-35)
You're starting your wealth-building journey:
- Enter real estate market affordably
- Learn property ownership without huge risk
- Build equity from day one
- $199/Month is less than most car payments
- Hold while advancing career
- Build when financially ready
- Create foundation for future wealth
The Investor/Flipper (All Experience Levels)
You recognize value:
- Ultra-low entry cost minimizes risk
- Strong appreciation potential
- Multiple exit strategies available
- Low holding costs allow patience
- Can improve and resell
- Can build and rent
- Can hold long-term for appreciation
The Family Builder (Ages 25-45)
You need affordable housing:
- Build spacious home for fraction of urban costs
- Give children room to roam and explore
- Teach outdoor skills and nature appreciation
- Live debt-free or with minimal debt
- Create generational wealth
- Escape cramped apartments or expensive mortgages
- Build the family compound you've dreamed of
Take Action Today: Secure Your Florida Future
Opportunities like this don't last forever. In today's real estate market where prices continue climbing and affordable land becomes increasingly scarce, this property represents exceptional value.
Why Act Now?
Market Dynamics:
- Florida land prices trending upward
- Increasing demand from northern migrants
- Remote work revolution expanding buyer pool
- Limited supply of affordable land
Financial Timing:
- Lock in owner financing terms before they change
- Start building equity immediately
- Take advantage of current low taxes
- Begin enjoying your property now
Personal Benefits:
- Stop delaying your dreams
- Start building instead of renting
- Create options for your future
- Secure asset for your family
Simple Purchase Process
For Cash Purchase:
1. Contact us through the property listing
2. Review property details and documentation
3. Arrange title search and closing
4. Close in as little as 7-14 days
5. Receive deed and begin enjoying your land
For Owner Financing:
1. Contact us to express interest
2. Provide basic information (no credit check)
3. Pay down payment ($199) and document fee ($250)
4. Sign simple, clear contract
5. Begin monthly payments
6. Receive deed upon completion (or some programs deed immediately with lien)
The entire process is straightforward, transparent, and designed to help you succeed.
Visit our website for additional photos, detailed maps, and complete information. Our team is ready to answer your questions and help you begin your Florida land ownership journey.
Your Florida Dream Starts Here
This 0.24-Acre property in beautiful Putnam County represents more than just land - it's a gateway to the Florida lifestyle that millions dream about but few achieve. For less than the cost of a used car, you can own a piece of the Sunshine State in an area blessed with natural beauty, friendly neighbors, and endless outdoor recreation.
The Florahome area offers the authentic Old Florida experience - a tight-knit community where people still wave to neighbors, where you can hear nature instead of traffic, where life moves at a pace that allows you to actually live instead of just exist.
At just $8,999 cash or an incredibly affordable $199 per month with owner financing, this property is accessible to almost anyone who's ready to take control of their future. The extraordinarily low annual property taxes of $98.65 mean you can hold this land as long as you wish without financial stress.
The strategic location provides the perfect balance: peaceful rural living with convenient access to Palatka (20-25 minutes), Gainesville (45-50 minutes), and Jacksonville (1.5 hours). You're close enough to employment, healthcare, shopping, and entertainment, yet far enough to enjoy tranquility and affordability.
Whether you're planning to build your dream home, create a weekend retreat, hold for appreciation, or simply want to own land in Florida, this property provides the foundation. The proximity to Etoniah Creek State Forest, George's Lake, and countless outdoor recreation opportunities adds value that transcends simple dollars and cents.
Don't let this opportunity pass. Land is the one asset they're truly not making more of, and affordable properties in desirable areas become harder to find every year. The longer you wait, the more prices rise, and the more difficult it becomes to achieve your land ownership goals.
Visit today to take the next step.
Your piece of Florida paradise awaits in beautiful Putnam County. Whether you're ready to build now or planning for the future, securing this property today locks in value and starts you on the path to achieving your Florida dreams.
Welcome to Putnam County - where natural beauty meets affordability, where community still matters, and where your Florida story can begin.
About Us:
At H5 Land Ventures, we believe that owning land should be possible for everyone. We are a family owned business that specializes in making land ownership simple, affordable and accessible so you can build your legacy, create memories and invest in your future. We acquire land at a discount across the US and pass along those savings to you. We offer owner financing on all our properties. These are low monthly payments with no interest, no banks and no credit checks. Banks typically will not finance the purchase of low cost, undeveloped land so we help make land ownership possible for buyers by providing this financing ourselves. Land is a valuable, appreciating asset. A place to build your legacy, create memories, and enjoy the outdoors. Whether you're seeking a future home, recreational escape, or smart investment, we're here to help you find the perfect piece of land to fit your goals. Your land, your future, your legacy. Let's make it happen together.
Lot Maps & Attachments
Directions to Lot
Directions from Jacksonville (Metropolitan Hub)
Distance: Approximately 60-70 miles
Drive Time: 1 hour 15 minutes to 1 hour 30 minutes
Detailed Directions from Jacksonville:
Route 1 (via US-17 and Palatka):
1. From downtown Jacksonville, take US-17 South
2. Continue on US-17 S through Green Cove Springs
3. Continue to Palatka (approximately 50-55 miles)
4. In Palatka, turn west onto FL-20 W
5. Continue for approximately 8-10 miles
6. Turn left (south) onto FL-100
7. Continue to Florahome area
8. Navigate to property location
Route 2 (via I-295 and SR-21):
1. Take I-295 South/West from Jacksonville
2. Exit onto State Road 21 South toward Keystone Heights
3. Continue south through Middleburg and Keystone Heights
4. Connect to State Road 100 heading east
5. Continue to Florahome area
6. Locate property in Florahome vicinity
Directions from Gainesville (University City)
Distance: Approximately 35-40 miles
Drive Time: 40-50 minutes
Detailed Directions from Gainesville:
1. From downtown Gainesville, head east on State Road 26 (FL-26 E)
2. Continue on FL-26 E for approximately 10 miles
3. Merge onto State Road 20 (FL-20 E)
4. Continue east on FL-20 E through Hawthorne and beyond
5. Turn right (south) onto State Road 100 (FL-100)
6. Continue on FL-100 toward Florahome
7. Navigate to property location in the Florahome area
Alternative Route:
1. From Gainesville, take FL-20 E all the way
2. Turn south on County Road 315
3. Connect to FL-100 near Florahome
4. Locate property in Florahome vicinity
Directions from Palatka (County Seat)
Distance: Approximately 15-18 miles
Drive Time: 20-25 minutes
Detailed Directions from Palatka:
1. From downtown Palatka, head west on State Road 20 (FL-20 W)
2. Continue on FL-20 W for approximately 8-10 miles
3. Turn left (south) onto State Road 100 (FL-100)
4. Continue on FL-100 for approximately 6-8 miles through or near Florahome
5. Your property is located in the Florahome area accessible from FL-100
Alternative Route:
1. From Palatka, take County Road 315 south
2. Connect to State Road 100
3. Navigate to property location in Florahome vicinity
More Lot Details
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- New0.2 AC : $10K
- New0.2 AC : $10K
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- 0.2 AC : $16K
- New0.7 AC : $27K
