Old Town, FL Land for Sale: 1.25 Acres with Owner Financing Available
For buyers comparing rural Florida land with a manageable footprint, this Dixie County parcel is the kind of listing where the basics matter: parcel ID, zoning, access, utilities, and the true cost of getting the land ready for a planned use.
LC25518 is a 1.25-acre vacant land parcel at 265 SE 634th St, Old Town, FL 32680. The supplied parcel number is 21-10-13-0000-4774-0200, the cash price is $29,900, and seller financing is listed at $34,700.
The listing supplies A-5 zoning, dirt-road access, and well and septic needed. Those facts are useful starting points, but they are not the same as county approval for a home, mobile home, RV setup, agricultural use, or any other improvement.
Property snapshot
These are the supplied facts that should drive the first round of buyer review before any assumptions are made about use, access, or development cost.
Use this identifier when asking LandCentury questions about availability, terms, or listing details.
This is the key number for checking county property records, acreage, legal description, and tax information.
The address ties the listing to the Old Town area of Dixie County and should be cross-checked on county maps.
The acreage is large enough to require real site planning, but setbacks, access, drainage, and septic rules still matter.
Cash and financed purchases use different price bases, so buyers should compare the total cost, not just the monthly payment.
A-5 is a starting point for due diligence; Dixie County should confirm what it allows for your intended use.
The listing notes access and utility needs, but legal access, road maintenance, power availability, well feasibility, and septic approval still require verification.
The tax figure helps estimate carrying cost, while the deed type should be reviewed with closing and title documents.
Old Town and Dixie County setting
Old Town is in Dixie County, a rural North Florida county known for a nature-focused setting with rivers, public lands, fishing, hunting, paddling, and trails. That general context can appeal to buyers seeking space and a less urban land market, but it does not answer parcel-specific questions about development feasibility.
For this specific parcel, supplied data places it at 265 SE 634th St with coordinates 29.596321, -83.022530. Those coordinates are useful for map review, but buyers should still verify boundaries, legal access, and surrounding conditions using official records and, when appropriate, a survey.
County context matters here because Dixie County handles local building, zoning, permitting, and flood-ordinance review. Before budgeting for a home, mobile home, RV plan, driveway, well, septic system, or land clearing, the county process should be part of the buyer’s timeline.
Potential uses and buyer fit
This is vacant land, so the practical value depends on what a buyer can legally and economically do after zoning, access, utilities, septic, water, flood, and site-condition checks are complete.
The listing categories suggest possible residential, agricultural, mobile home, and RV interest, but those are not approvals. Treat them as prompts for questions to Dixie County, not as guarantees.
- Rural homesite planning, if A-5 zoning, setbacks, flood rules, septic suitability, driveway access, and building permits support the plan.
- Manufactured or mobile-home placement, only if county rules allow it on this parcel and utility, septic, anchoring, and permit requirements can be met.
- Small-scale agricultural, garden, orchard, or hobby land use, subject to A-5 rules, soils, water availability, access, and any environmental restrictions.
- RV-oriented or recreational ownership, only if county rules allow the intended duration of use, sanitation setup, access, and occupancy pattern.
- Long-term land holding for a buyer comfortable with taxes, maintenance, and the uncertainty that comes with undeveloped rural property.
Due diligence checklist for this Old Town parcel
Use the listing facts as a starting point, then verify each high-impact item with official records, local offices, and qualified site professionals before closing.
Confirm parcel records and taxes
Search the parcel number 21-10-13-0000-4774-0200 in county records to verify the legal description, acreage, assessed value, tax history, and current tax amount.
Verify A-5 zoning for your exact use
Ask Dixie County what A-5 allows on this parcel, including residential use, manufactured housing, RV use, agricultural activity, setbacks, minimum frontage, and any special approvals.
Check legal and physical access
The listing states dirt-road access. Confirm whether the road is public or private, whether legal ingress and egress are recorded, who maintains the road, and whether a driveway permit is needed.
Review survey and boundary needs
Do not rely only on map pins or listing images for boundaries. A survey may be necessary to confirm corners, frontage, easements, encroachments, and usable area.
Investigate water, septic, and power
Because the listing says well and septic are needed, confirm well feasibility, septic permitting, soil suitability, setbacks, and electric availability or extension cost before planning improvements.
Check flood, wetlands, drainage, and soils
Flood status was not confirmed in the supplied listing data. Review FEMA flood information, county flood-ordinance requirements, wetlands indicators, drainage patterns, and soil limitations for the exact parcel.
Ask about permits and site prep
Before clearing, grading, installing a driveway, placing a structure, or bringing in an RV, ask what permits, inspections, site plans, and environmental reviews may apply.
Review financing and title documents
The supplied financing terms mention a contract for deed, deed transfer after final payment, 10% APR, and a separate $249 processing and origination fee. Read the contract, default terms, payment schedule, and deed-transfer provisions before signing.
Use Dixie County Building-Code-Zoning as the official local starting point for zoning, permits, flood-ordinance context, and development contacts. For parcel details, also cross-check the county property appraiser and GIS records.
Owner financing: what the supplied terms say
The listing shows two pricing paths: a $29,900 cash price and a $34,700 owner-finance price. The supplied financing terms state a $1,000 down payment and 10% APR, with no credit check or income verification noted by the seller.
The supplied monthly examples are $716.03 for 60 months, $559.46 for 84 months, and $445.35 for 120 months. Those examples are based on principal and interest; the stated $249 processing and origination fee is separate and is not included in the financed amount or monthly payments.
The supplied terms also state contract for deed, with deed transferred after the final payment. Buyers should review when taxes, insurance if any, recording, default rights, prepayment, and deed delivery are handled.
- What is the total amount paid under each term after interest and fees?
- When exactly does the deed transfer, and what document protects the buyer before final payment?
- Are there any prepayment penalties, late fees, servicing fees, or additional closing costs?
- Who is responsible for property taxes during the contract period?
- What happens if a payment is missed or the buyer wants to sell before payoff?
How to compare this lot with other Florida vacant land
Do not compare this parcel only by price per acre. Rural land with dirt-road access, no installed well or septic, and unknown flood status can have very different all-in costs from a similar-size parcel with confirmed utilities and paved access.
When comparing other Old Town or Dixie County land, line up the same questions: parcel number, zoning, legal access, road maintenance, power availability, septic feasibility, flood status, deed type, taxes, and seller-finance terms.
If owner financing is the main attraction, compare both the down payment and the full repayment cost. A lower monthly payment over a longer term can still mean a higher total cost than a shorter term or a cash purchase.
Questions buyers may ask about this property and area
Bottom line
LC25518 gives buyers a clear small-acreage target in Old Town: 1.25 acres, a supplied A-5 zoning designation, dirt-road access noted, well and septic needed, and both cash and owner-finance pricing available.
The best fit is a buyer who wants rural Dixie County land and is prepared to verify the practical details before committing money to improvements. Access, septic, well, power, flood, and zoning questions are not paperwork details; they can determine whether the land works for your plan.
Before treating the parcel as build-ready or RV-ready, confirm the county rules, review official parcel records, check flood and environmental conditions, and understand the financing contract if you are not paying cash.
Review LC25518 and ask your due-diligence questions
Use the listing page to confirm availability, request current terms, and decide whether to move forward with county verification.
Official verification matters
For zoning, permits, building review, and flood-ordinance context, use Dixie County’s official building and zoning resources before relying on listing categories or assumptions.
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