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

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Posted: July 26, 2026 by LandCentury

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Property facts Area setting Potential uses Due diligence Q&A

1.25 acresLot size shown

$48,000Cash price

$32,000Owner-finance price shown

AgriculturalZoning shown

Small rural parcels in North Florida appeal to buyers who want usable space without taking on a large acreage tract. This property is worth a closer look if you are comparing Old Town Florida land for sale and are comfortable doing county-level verification before purchase.

LandCentury listing LC25574 is a 1.25-acre vacant land parcel shown at 123 Test Rd in Old Town, Dixie County, Florida 32680. The supplied data lists a $48,000 cash price, a $32,000 owner-finance price, Agricultural zoning, dirt road access, and a Well/Septic utility field.

The main caveat is parcel verification. The supplied parcel number and legal description appear placeholder-like, so buyers should confirm the official parcel record, ownership, permitted uses, access, utilities, taxes, and floodplain status before relying on a purchase or improvement plan.

Additional listing image for the 1.25-acre land parcel in Old Town, Florida

Second gallery image supplied for LandCentury listing LC25574 in Old Town, Dixie County, Florida.

Property snapshot

Here are the key listing facts and what each one means for a buyer evaluating this Old Town, Florida land opportunity.

LandCentury IDLC25574

Use this listing ID when asking about the property or requesting updated documents.

Location shownOld Town, Dixie County, Florida 32680

The property is presented as a rural North Florida parcel; verify the official parcel location in county records.

Size1.25 acres / 54,450 square feet

This is small acreage, large enough to evaluate for rural personal use but still dependent on setbacks, access, septic feasibility, and local rules.

Price options shown$48,000 cash / $32,000 owner-finance price

The listing shows both purchase paths; the written financing agreement should control the final economics and obligations.

Zoning shownAgricultural

Agricultural zoning can support rural land uses, but Dixie County must confirm the specific permitted uses for this parcel.

Road access shownDirt

Dirt access should be checked for legal access, maintenance responsibility, road condition, and year-round usability.

Utilities shownWell/Septic

This does not prove installed or usable systems. Confirm whether a well, septic system, permits, or only expected utility type applies.

Tax figure shown$238

Useful as a carrying-cost starting point, but current taxes, payment status, and assessments should be verified with official county records.

Verify the parcel identity earlyThe supplied parcel number and legal description should be treated as starting points only because they appear placeholder-like. Before sending funds or planning improvements, match the listing to official county GIS, tax records, deed records, and a title or closing review.

Old Town and Dixie County setting

Old Town sits in rural Dixie County, a low-density North Florida county where land buyers often focus on privacy, access, utility feasibility, and practical site conditions rather than subdivision-style amenities. U.S. Census data in the research package shows a July 1, 2025 county population estimate of 18,038 and a 2020 population density of 23.8 people per square mile, which helps frame the rural character of the area.

That county-level context is not a parcel-specific guarantee. It does not confirm the condition of the road, the presence of a usable well or septic system, the buildability of the land, or the exact boundary location. Those details need to be verified through county records, site inspection, title work, and professional review as needed.

Dixie County’s official building and zoning resources are especially relevant because the county identifies its building function as handling building codes, floodplain requirements, and related county ordinances for areas under its jurisdiction. Buyers should confirm which jurisdiction applies to this parcel and ask the county how Agricultural zoning, floodplain rules, septic requirements, driveway access, and any proposed structures would be reviewed.

Rural Dixie County context with very low population density by Florida standards.Listing location shown as Old Town, Florida 32680, with approximate coordinates supplied in the property data.County-level due diligence should include zoning, building, floodplain, access, septic, and parcel-record review.Do not treat general area character as proof of parcel-specific usability or approvals.

Potential uses, subject to verification

This is vacant land categorized as Agricultural & Farm Land, with Agricultural zoning shown in the listing. That makes it most relevant to buyers looking for small rural acreage, but the zoning label alone is not enough to confirm any particular use.

Any plan should be conditioned on Dixie County review, legal access, road maintenance, soil and septic suitability, water availability, floodplain or wetlands constraints, deed restrictions, and permitting requirements.

Small agricultural or garden-oriented use, if allowed by zoning and site conditions.
Rural personal-use parcel for buyers who want space in a low-density county, subject to access and utility confirmation.
Future homesite planning only if Dixie County confirms the use, setbacks, septic feasibility, driveway requirements, and floodplain limitations.
Recreational or weekend-use land, if permitted and if access is reliable in normal weather conditions.
Land-hold or phased-improvement purchase for a buyer who is comfortable budgeting for survey, title work, utility verification, and permitting before making improvements.

Best fitThis parcel is best suited for a buyer who values rural acreage and owner-financing availability, but who will verify the official parcel identity and development rules before assuming the land can support a specific project.

Due diligence to complete before buying

The most important work on this listing is separating what the database shows from what official records and field conditions confirm. Start with parcel identity, then move into zoning, access, utilities, taxes, and site constraints.

Confirm the official parcel record

Pull the parcel in county GIS and compare the map, ownership, acreage, parcel number, and legal description against the seller’s documents. Because the supplied parcel number and legal description appear placeholder-like, do this before relying on the listing for location or boundary assumptions.

Verify Agricultural zoning and permitted uses

Ask the county how Agricultural zoning applies to this specific parcel. Confirm whether a dwelling, manufactured home, accessory structure, farm use, RV use, driveway, culvert, or other improvement would require permits or additional approvals.

Review road access and maintenance

The listing shows dirt road access. Confirm whether the road is public, private, or easement-based, who maintains it, whether the parcel has legal frontage or recorded access, and whether access is reliable in wet seasons.

Clarify the Well/Septic utility note

Do not assume a functioning well or septic system exists. Ask for documentation showing whether any well or septic system is installed, permitted, inspected, abandoned, or merely expected as the likely utility approach for the area.

Check floodplain and environmental constraints

Review county floodplain guidance, FEMA flood information, aerial imagery, and any wetlands or drainage indicators before planning structures, fill, grading, or septic work.

Verify taxes and assessments

The listing shows a $238 tax figure. Confirm the current tax bill, payment status, exemptions, delinquency status, and any special assessments through official county tax records.

Review owner-financing documents in full

Owner financing is marked available, but the provided terms are abbreviated. Before agreeing, review down payment, interest, payment schedule, contract term, late fees, default rights, title-transfer timing, and closing costs in writing.

Inspect and budget before committing

Walk the property or hire a local representative, consider a survey, and budget for title work, septic or perc evaluation, driveway work, utility extension, clearing, and any permit-related costs.

Official verification starting point

For zoning, building, and floodplain questions, the selected official source is Dixie County Building & Zoning. Use it as the first county-level starting point for questions about building codes, floodplain requirements, permits, and local development rules that may apply under county jurisdiction.

Open Dixie County Building & Zoning

Owner financing notes

The listing shows owner financing as available, with a $32,000 owner-finance price and a $48,000 cash price. Those are listing data points, not a substitute for the written purchase agreement.

Because the owner-financing terms supplied in the database are abbreviated, buyers should verify the complete structure before comparing the financed option to a cash purchase. The key question is not just the headline price, but the total cost, payment obligations, default rules, and when title transfers.

What down payment, interest rate, payment amount, and term length apply?
Are there document fees, servicing fees, closing costs, or prepayment rules?
When does the buyer receive deeded title under the financing agreement?
What happens if a payment is late or missed?
Does the financing contract allow the buyer’s intended use before payoff?

How to compare this with other Florida land for sale

When comparing this parcel with other Florida land for sale, do not stop at acreage and price. For rural land, the better comparison points are verified legal access, road quality, zoning flexibility, floodplain exposure, septic feasibility, water source, title status, and realistic improvement costs.

This listing may appeal to buyers who want small acreage in Dixie County and an owner-financing option. It may be less suitable for buyers who need immediate, confirmed buildability or fully documented installed utilities before doing any local due diligence.

Questions buyers may ask about this property and area

How large is this Old Town, FL land listing?

The listing states 1.25 acres, which the supplied data also reports as 54,450 square feet.

What price is shown for the property?

The supplied listing data shows a $48,000 cash price and a $32,000 owner-finance price, with owner financing marked available.

What zoning is shown?

The listing shows Agricultural zoning. Buyers should confirm with Dixie County how that zoning applies to this parcel and whether their intended use is permitted.

Does the property have utilities installed?

The utility field shows Well/Septic, but that does not prove installed or usable systems. Buyers should request documentation and verify well, septic, and permit status before purchase.

What kind of road access is listed?

Road access is shown as dirt. A buyer should verify whether access is public, private, or easement-based and who is responsible for maintenance.

Can this land be used as a homesite?

Buildability is not established by the supplied data. A homesite plan would need county confirmation of zoning, setbacks, legal access, septic feasibility, floodplain status, and permits.

Where should buyers verify Dixie County parcel and tax details?

Parcel maps and boundary context should be checked through the Dixie County Property Appraiser, while tax billing and payment status should be verified through the Dixie County Tax Collector.

What should buyers verify first on this specific listing?

Start by matching the parcel number, legal description, ownership, acreage, and map location to official county records, because the supplied parcel and legal-description fields appear placeholder-like.

Bottom line

This 1.25-acre Old Town parcel gives buyers a compact rural land option in Dixie County with Agricultural zoning shown, dirt access shown, a Well/Septic utility field, and owner financing marked available. The listing facts make it worth reviewing for buyers seeking small acreage in North Florida.

The opportunity depends on verification. Before treating it as a build site, farm-use parcel, or long-term hold, confirm the official parcel identity, legal access, permitted uses, floodplain status, taxes, and utility reality. The Well/Septic note and dirt access should be investigated, not assumed.

If the county records, access, title review, and financing documents all check out for your intended use, this property may fit a buyer who wants rural land with a lower-acreage footprint and a financing path to evaluate.