Old Town, FL Land for Sale: 1.25 Acres with Owner Financing Available

For buyers looking at rural North Florida land, the big question is not just whether the parcel is affordable. It is whether the zoning, access, utilities, flood profile, and county permitting path match the way you actually want to use the land.

This listing is for parcel 21-10-13-0000-4774-0200 at 265 SE 634th St, Old Town, FL 32680. It is listed as 1.25 acres, or 54,450 square feet, with a cash price of $29,900 and an owner-finance price of $34,700.

The listing reports A-5 zoning, dirt road access, and that well and septic are needed. Those are useful starting facts, but they are not a guarantee of buildability, mobile home approval, RV use, utility feasibility, or flood status. Dixie County records and permits should drive the final decision.

Image supplied with the listing for the Old Town, Dixie County parcel.

Property snapshot

Here is the clean, buyer-focused version of what the listing says and why each item matters before you spend time on deeper due diligence.

Old Town and Dixie County setting

Old Town is a rural community in Dixie County, Florida. For a vacant land buyer, the most important local context is administrative: zoning, flood ordinance, permitting, land development rules, parcel records, and tax status are handled at the county level.

Parcel-specific facts are limited to the listing data: the property is at 265 SE 634th St, has listed coordinates in Old Town, and is described with dirt road access. The listing does not establish road ownership, maintenance responsibility, utility distance, school zones, drive times, or neighborhood improvements.

Dixie County’s rural and Nature Coast context also makes storm, drainage, and flood review important. Flood-zone status is not supplied in the listing, so buyers should check official flood mapping and county guidance before assuming the site is suitable for a structure or long-term improvements.

Supporting listing image for the 1.25-acre parcel; buyers should verify site conditions in person or through local records.

Potential uses and buyer fit

The listing facts point to a small rural land parcel with A-5 zoning listed, dirt road access, and no installed well or septic noted. That may appeal to buyers considering a rural homesite, manufactured housing plan, light agricultural use, RV-related use, or a longer-term land hold, but every one of those plans needs county confirmation first.

The most practical way to evaluate this parcel is to work backward from your intended use. Ask Dixie County whether the use is allowed, what permits are required, what setbacks apply, whether septic and well approvals are feasible, and whether flood or drainage conditions create additional standards.

• Rural homesite planning, only if Dixie County confirms the use, setbacks, access, flood requirements, septic feasibility, and building permits.
• Manufactured or mobile home placement, only if allowed by zoning and any county installation, foundation, utility, and permitting rules.
• Small agricultural, garden, orchard, or hobby-farm use, subject to A-5 standards, environmental conditions, water access, fencing rules, and any deed restrictions.
• RV or temporary recreational use, only if county rules allow the duration, occupancy, waste handling, utilities, and access arrangement you have in mind.
• Long-term land ownership for a buyer comfortable verifying taxes, access, title, flood exposure, and carrying costs before closing.

Due diligence checklist before buying

Use the listing as a starting point, then verify the land through official county records, written seller information, a site visit, and professional advice where needed.

Owner financing details to review

The listing offers owner financing at an owner-finance price of $34,700, with $1,000 down, 10% APR, and a separate $249 processing and origination fee. The financed amount is listed as $33,700 after the down payment.

Listed payment options are $716.03 per month for 5 years, $559.46 per month for 7 years, or $445.35 per month for 10 years. The listing states these payments are principal and interest, and that the processing and origination fee is separate.

The terms are described as a contract for deed, with the deed transferred after final payment. That structure makes it especially important to understand default rules, payoff rights, taxes, recording, and exactly when legal title transfers.

• What is the total amount paid over the full term, including down payment, interest, and the separate processing/origination fee?
• Is there any prepayment penalty, and can the buyer pay the balance early?
• Who is responsible for taxes, insurance, mowing, improvements, and permit costs during the contract period?
• What happens if a payment is late or missed?
• When and how is the deed transferred after the final payment?

Cash price vs. owner-finance price

The cash price is $29,900. The owner-finance price is $34,700 before interest and the separate processing/origination fee. That means financing offers a lower entry point, but it comes with a higher stated purchase price and interest cost.

For buyers comparing this property with other Old Town or Dixie County land, look beyond monthly payment. Compare total cost, required down payment, deed timing, road and utility costs, flood risk, and the cost of making the parcel usable for your intended purpose.

Questions buyers may ask about this property and area

Bottom line for this Old Town parcel

This 1.25-acre Dixie County parcel is straightforward on the surface: a rural land listing with A-5 zoning shown, dirt road access listed, well and septic needed, and both cash and owner-finance pricing available.

The real decision comes down to verification. If your plan depends on a house, manufactured home, RV use, agricultural use, or near-term improvements, confirm the county rules and site conditions before treating the parcel as ready for that purpose.

For the right buyer, the appeal is small-acreage land in Old Town with flexible purchase options. For a careful buyer, the next step is a focused review of zoning, access, flood, utilities, taxes, title, and financing terms.