Interlachen, FL Land for Sale: 0.43 Acres with Owner Financing

For buyers looking at small Florida land, this parcel is the kind of listing that deserves both a quick look and a careful checklist: the price is approachable, owner financing is shown, and the lot size may fit a simple long-term land plan if the local rules cooperate.

The property is LC25245 at 220 Como Circle in Interlachen, Putnam County, Florida 32148. The listing shows 0.43 acres, or 18,731 square feet, with a $9,900 cash price and a $16,000 owner-finance price.

The main caveat is verification. Agriculture zoning, dirt-road access, and “well and septic needed” are listing facts, not approvals for a specific home, mobile home, RV, agricultural use, driveway, septic system, or utility connection.

Listing image for LC25245 in Putnam County; confirm boundaries and site conditions through due diligence.

Property snapshot for LC25245

These are the core listing facts to use when comparing the parcel and starting county research. Treat them as a launch point for verification, especially if your plan depends on building, placing a mobile home, or installing utilities.

Interlachen and Putnam County setting

Interlachen is an inland Putnam County community where small vacant parcels can appeal to buyers seeking lower-cost Florida land. In this area, the practical questions are often not about scenery first; they are about road condition, drainage, legal access, private utilities, and whether the county will allow the buyer’s intended use.

Parcel-specific facts are limited to what the listing provides: 220 Como Circle, 0.43 acres, Agriculture zoning, dirt-road access, and well/septic needed. General Putnam County resources can help screen zoning, flood, wetlands, and mapping questions, but they do not replace a survey, permit review, or site-specific professional evaluation.

County GIS can be helpful for orientation and nearby context, yet GIS mapping should be treated as a generalized visual reference. If boundaries, setbacks, driveway placement, fencing, or building plans matter, a survey is the safer due-diligence step.

Additional property image for the Interlachen lot; use official records and a survey for parcel-specific confirmation.

Potential uses to evaluate before you buy

This is vacant land, so the best buyer fit depends on what Putnam County rules and site conditions allow. The listed Agriculture zoning may support some land-oriented uses, but it does not automatically approve a residence, mobile home, RV setup, accessory structure, livestock, clearing, driveway, septic system, or commercial activity.

A 0.43-acre parcel can be appealing for buyers who want a modest land holding, a future-use parcel, or a property to investigate for a simple homesite-style plan. The key is to price the land together with due-diligence and improvement costs, not just the purchase price.

• Residential homesite investigation, only if zoning, setbacks, access, septic, water, flood status, and permits support it.
• Mobile or manufactured home evaluation, only after confirming county rules, subdivision restrictions, tie-down/permitting requirements, and utility feasibility.
• Small-scale agricultural, garden, or land-use ideas that fit the lot size and are allowed under local rules and any recorded restrictions.
• RV-related use only if county rules, time limits, sanitation requirements, access, and restrictions allow the specific plan.
• Long-term land hold for a buyer comfortable verifying taxes, access, title, and ongoing carrying costs.

Due diligence checklist for this Interlachen parcel

Use the parcel number and address when contacting local offices or service providers. The goal is to confirm whether the land matches your intended use before you sign, pay a deposit, clear land, or order improvements.

Owner financing terms shown in the listing

The listing shows two purchase paths: a $9,900 cash price and a $16,000 owner-finance price. Owner financing is described as a contract for deed, with the deed transferred after final payment, so it should be reviewed differently from a traditional deed-at-closing cash purchase.

The stated owner-finance terms include a $4,000 down payment and 10% APR. Payment examples shown are $223.09 per month for 5 years, $174.31 per month for 7 years, and $138.76 per month for 10 years. The listing also states that a $249 processing and origination fee applies to new loans and that the finance amount is $13,500 after down payment and fees.

Before choosing financing, ask for the full written agreement, total repayment amount, payoff terms, late fees, default remedies, and who is responsible for taxes or other carrying costs during the contract period.

• What is the exact total amount paid over the full term, including down payment, fees, principal, and interest?
• When does the deed transfer, and what document protects the buyer before final payment?
• Are taxes, insurance, maintenance, or association-style charges the buyer’s responsibility during the contract?
• Is early payoff allowed without penalty?
• What happens after a missed payment or default?

Questions buyers may ask about this property and area

Bottom line for buyers

This 0.43-acre Interlachen parcel offers a clear set of listing facts: identifiable address, parcel number, Agriculture zoning, dirt-road access, well and septic needed, $9,900 cash price, and owner financing shown. For a buyer searching Putnam County vacant land, that makes it easy to start a focused review.

The opportunity is strongest for someone who is realistic about small-lot land ownership in inland Florida. The purchase price is only one part of the budget; access confirmation, survey work, clearing, driveway, well, septic, utilities, permits, and flood or wetlands review can all affect the true cost and usability.

If your plan depends on living on the property, placing a mobile home, using an RV, or installing utilities, finish the county and provider checks before relying on the lot for that purpose. If your goal is an affordable land hold and the due diligence checks out, LC25245 is worth a closer look.