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

Rural Florida land can look simple at first glance, but the best purchase decisions come from separating the listing facts from the items that still need county and site verification.

This property is LC25518, a 1.25-acre vacant land parcel at 265 SE 634th St in Old Town, Dixie County, Florida. The cash price is listed at $29,900, with an owner-finance price of $34,700.

The supplied listing data identifies A-5 zoning, dirt-road access, and well and septic needed. Those are important starting points, not final approvals; buyers should confirm zoning, access, flood status, utilities, and permit feasibility before relying on any intended use.

Property image supplied for the Old Town, Florida land listing.

Property snapshot for LC25518

Here are the core facts a buyer should use when comparing this Old Town, Florida land listing and starting due diligence.

Where this Old Town, Florida parcel fits

Old Town is in Dixie County, Florida, so the most important local questions for this parcel are county-level questions: zoning, building permits, driveway access, flood mapping, septic approval, well permitting, and whether the road serving the property is public or private.

The parcel-specific data gives an address, coordinates, parcel number, 1.25-acre size, A-5 zoning listed, dirt-road access listed, and well and septic needed. Those details help narrow the search, but they do not replace a county records review, survey review, or site visit.

For rural land in this part of Florida, buyers should pay particular attention to drainage, flood-zone screening, wetland indicators, access after heavy rain, and the practical cost of bringing private utilities into service.

Supporting property image for LC25518 in Dixie County.

Potential buyer fit and realistic use paths

This 1.25-acre parcel may appeal to buyers looking for a small rural landholding in Dixie County with a cash option and an owner-finance option. The key word is may: the listing does not establish buildability or final approval for any specific use.

Before planning improvements, buyers should confirm what A-5 zoning allows on this parcel, whether the site can support well and septic, whether legal and practical access is adequate, and whether flood or environmental constraints affect the intended use.

• Rural homesite planning, only after county confirmation of zoning, setbacks, permits, flood status, driveway requirements, and septic feasibility.
• Manufactured-home or mobile-home planning, only if Dixie County confirms that the use is allowed for this parcel and all installation, utility, and permitting requirements can be met.
• RV-oriented personal use or seasonal use, only after verifying whether RV occupancy, duration limits, utilities, waste disposal, and local rules allow the intended setup.
• Small homestead, garden, or agricultural-style use, only if zoning, clearing rules, water access, soil conditions, and any environmental limits support the plan.
• Longer-term land holding for a buyer who is comfortable carrying taxes and verifying the parcel record, title, access, and local regulations before purchase.

Due diligence checklist before you buy

Use the parcel number, legal description, address, and coordinates together when researching this property. The goal is to confirm that the land supports your intended use before you commit funds.

Owner financing details to understand

The listing provides two purchase paths: a $29,900 cash price and a $34,700 owner-finance price. The owner-finance terms list a $1,000 down payment, 10% APR, and a $249 processing and origination fee that is separate from the financed amount and monthly payments.

The financed amount is listed as $33,700 after the $1,000 down payment. The payment options shown are $716.03 per month for 60 months, $559.46 per month for 84 months, or $445.35 per month for 120 months.

The financing structure is described as a contract for deed, with the deed transferred after final payment. Buyers should review the contract carefully so they understand payment timing, default terms, closing costs, deed transfer timing, taxes, and responsibilities during the payment period.

• What is the total cash due before the contract starts, including down payment, processing/origination fee, and any closing costs?
• Are taxes, recording costs, and any other charges paid by the buyer during the contract term?
• When exactly is the warranty deed delivered under the contract for deed?
• Is there any prepayment penalty, late fee, or servicing fee not reflected in the monthly payment examples?
• What happens if the buyer wants to sell, transfer, or pay off the property early?

Questions buyers may ask about this property and area

Bottom line for buyers

LC25518 offers a straightforward small-acreage land opportunity in Old Town: 1.25 acres in Dixie County, a $29,900 cash price, and an owner-finance option for buyers who want to spread payments over time.

The most important buyer takeaway is that the listing facts are only the starting point. A-5 zoning, dirt-road access, and well-and-septic-needed utilities all require verification before a buyer assumes the parcel will support a home, mobile home, RV setup, agricultural use, or other improvement plan.

If the parcel fits your budget and location search, the next step is practical due diligence: check the county parcel record, confirm A-5 rules, review FEMA flood mapping, verify access, and get real numbers for well, septic, clearing, and site prep.