Florahome, FL Land for Sale: 0.17 Acres with Owner Financing Available

Homepage

Articles News

Posted: August 04, 2026 by LandCentury

Jump to

Property facts Area setting Potential uses Due diligence Q&A

0.17 acresLot size

$5,995Cash price

ResidentialListed zoning

$42.85Listed annual taxes

For buyers looking for a low-entry Florida land purchase, this Florahome parcel is the kind of small residential lot that deserves a careful, practical review before you move forward.

The property is LC25215 at 105 Granada Drive, Florahome, FL 32140 in Putnam County. It is listed as 0.17 acres, or 7,405 square feet, with a $5,995 cash price and an $8,900 owner-finance price.

The key caveat is that the listing data identifies residential zoning, dirt road access, and well and septic needed, but those facts do not prove the lot is ready for construction. A buyer should confirm zoning, setbacks, septic feasibility, access, flood status, and permit requirements with Putnam County before relying on any future-use plan.

Listing image for the 0.17-acre parcel at 105 Granada Drive in Florahome, Florida

Supplied listing image for LC25215 in Florahome; buyers should verify current site conditions independently.

Property snapshot for LC25215

Here are the verified listing facts that matter most for a buyer evaluating this Florahome vacant land parcel.

Property IDLC25215

Use this LandCentury property number when asking about the listing or comparing it with the parcel record.

Parcel number18-08-25-5106-6120-0300

This is the key identifier to use when checking Putnam County property, tax, and zoning records.

Legal descriptionLAKESIDE HILLS SEC 6 MB4 P143, BLK 612 LOT 30

The legal description places the property in Lakeside Hills Section 6 and helps reduce confusion with similarly named streets or lots.

Street address105 Granada Drive, Florahome, FL 32140

The listing location is in Florahome, Putnam County, Florida; buyers should still confirm boundaries with official records or a survey.

Lot size0.17 acres / 7,405 sq ft

This is a small lot, so setbacks, septic placement, drainage, and usable area are especially important.

Access and utilitiesDirt road access; well and septic needed

The listing notes dirt road access and no public water or sewer connection; legal access, road maintenance, power availability, well, and septic feasibility all need verification.

Pricing$5,995 cash / $8,900 owner finance

Cash and financed pricing are different, so buyers should compare total cost, down payment, interest, and fees before choosing a purchase path.

Deed typeWarranty Deed

The listing identifies a warranty deed, but buyers should still review title, taxes, liens, and closing documents before purchase.

Residential zoning is not the same as confirmed buildabilityThe listing says the property is zoned residential, but a home site still depends on Putnam County rules, minimum lot requirements, setbacks, flood or wetland constraints, legal access, utilities, and septic approval.

Florahome and Putnam County setting

Florahome is a Putnam County community in North Florida, and the research context points buyers to county-level planning, zoning, building, property, flood, and emergency-management resources for official verification. The supplied data identifies this parcel as being in Putnam County, but it does not independently confirm every development condition on the ground.

For a buyer, the important local context is regulatory rather than recreational. Putnam County Planning & Zoning is the official starting point for land-use questions, while the Building Department is relevant for permit, inspection, flood-map, and wetland-reference questions. The Property Appraiser is the starting point for parcel and assessment checks.

Parcel-specific facts are narrower: the listing identifies 105 Granada Drive, 0.17 acres, residential zoning, dirt road access, and well and septic needed. Those details should be treated as listing information until they are checked against official county records and any site-specific constraints.

Located in Florahome, Putnam County, FloridaIdentified by parcel number 18-08-25-5106-6120-0300Legal description references Lakeside Hills Section 6, Block 612, Lot 30County planning and building offices are the right next step for zoning, permits, flood, wetlands, and development questions

Additional listing image for the Florahome, Florida residential land parcel

Additional supplied image associated with the 105 Granada Drive land listing in Putnam County.

Best buyer fit and realistic potential uses

This lot is most likely to interest a buyer who wants an affordable small residential parcel in Florida and is willing to complete the due diligence before assuming it can be used as a future home site.

Because the parcel is only 0.17 acres, the practical question is not just whether it is labeled residential. The buyer needs to know whether current county rules, setbacks, septic requirements, road access, flood or wetland conditions, and any subdivision restrictions leave enough usable area for the intended use.

Future residential site candidate, only if Putnam County confirms zoning, setbacks, access, permits, and septic feasibility
Long-term land hold for a buyer comfortable with taxes, maintenance, and county-rule changes over time
Possible low-entry owner-finance purchase, provided the buyer understands the contract-for-deed structure, interest, payoff amount, and fees
Potential add-on or neighborhood ownership opportunity for someone who already owns nearby property, subject to title, access, and local rules
Limited interim use only after confirming rules for clearing, fencing, parking, sheds, RVs, boats, trailers, camping, and similar uses

Small lots require tighter due diligenceOn a 7,405-square-foot parcel, septic location, setbacks, drainage, easements, and access can determine whether the land fits your plan. Verify those points before treating the lot as a build-ready site.

Due diligence checklist before you buy

Use the parcel number, legal description, and street address when contacting Putnam County or reviewing records. The goal is to confirm what the listing says and identify any conditions that could affect use, cost, or future resale.

Confirm the exact zoning and permitted uses

The listing says Residential, but buyers should verify the exact zoning district, future land-use designation, setbacks, minimum lot size, and whether the intended structure or use is allowed.

Check whether the lot can support septic and well plans

The listing says well and septic are needed. Ask what soil, setback, permit, and inspection requirements apply before assuming a home, mobile home, or other structure can be served.

Verify legal and physical access

Dirt road access is noted, but that does not answer whether the road is public, private, maintained, passable year-round, or sufficient for permitting and emergency access.

Review flood, wetland, and drainage constraints

Check county and FEMA flood resources, wetland references, and any drainage easements or site conditions that may affect construction, insurance, fill, or clearing.

Look up the parcel and taxes

Use parcel number 18-08-25-5106-6120-0300 to confirm the current owner record, assessed value, tax year, listed tax amount, special assessments, and any unpaid amounts.

Ask about subdivision or private restrictions

The legal description places the lot in Lakeside Hills Section 6. Confirm whether deed restrictions, HOA or POA rules, road associations, or recorded subdivision limits affect the property.

Review title and closing documents

The listing identifies a warranty deed, but buyers should still review title status, deed history, liens, encumbrances, and the final purchase or financing documents before closing.

Official verification starting point

Putnam County Planning & Zoning is the best official starting point for zoning, land-use verification, and county contacts related to this Florahome residential lot.

Check Putnam County Planning & Zoning

Owner-finance terms to review carefully

The property is listed at $5,995 for a cash purchase and $8,900 with owner financing. The advertised owner-finance option includes $1,000 down, 10% APR, and a $249 processing and origination fee.

The listing also states that the financing is structured as a contract for deed, with the deed transferred after final payment. Payment examples shown in the supplied data are $135.98 per month for 5 years, $106.25 per month for 7 years, and $84.58 per month for 10 years.

Before signing, ask for the written contract, total payoff amount, payment schedule, late-fee terms, default terms, prepayment rules, and confirmation of what is included in the amount financed.

What is my total cost if I choose owner financing instead of paying cash?
When does the deed transfer, and what happens if I pay off early?
Are taxes, recording costs, or any servicing fees separate from the monthly payment?
What are the default, cancellation, and refund terms under the contract for deed?

Cash purchase vs. owner financing

A cash buyer is comparing the $5,995 purchase price against any closing, recording, due-diligence, and post-closing costs. This path may reduce total purchase cost, but it requires more money upfront.

A financed buyer is comparing a lower entry point against a higher listed owner-finance price, interest, the $1,000 down payment, the $249 processing and origination fee, and the timing of deed transfer. The right choice depends on cash available, total cost, and comfort with the contract terms.

Questions buyers may ask about this property and area

What is LC25215 in Florahome, Florida?

LC25215 is a 0.17-acre vacant residential land listing at 105 Granada Drive in Florahome, Putnam County, Florida. The parcel number is 18-08-25-5106-6120-0300.

How much does the Florahome lot cost?

The listed cash price is $5,995. The listed owner-finance price is $8,900 with $1,000 down, 10% APR, and a $249 processing and origination fee.

How big is the lot at 105 Granada Drive?

The supplied listing data shows 0.17 acres, equal to 7,405 square feet.

Is this Florahome lot buildable?

Buildability is not confirmed by the supplied data. The listing says Residential zoning, but buyers should verify zoning, setbacks, minimum lot size, septic feasibility, flood or wetland constraints, and legal access with Putnam County.

What utilities are available on the property?

The listing states that well and septic are needed. Public water, public sewer, electric availability, and utility extension costs are not confirmed in the supplied data.

What kind of road access is listed?

The listing identifies dirt road access. Buyers should confirm whether the road access is legal, recorded, public or private, maintained, and suitable for the intended use.

What county office should I use for zoning questions?

Putnam County Planning & Zoning is the best official starting point for zoning and land-use questions. Buyers can also cross-check parcel information through the county Property Appraiser.

Should I rely on the listed annual taxes?

No. The listing shows annual taxes of $42.85, but buyers should verify the latest tax bill, assessment record, and any unpaid taxes or special assessments with the county.

Bottom line for this Florahome land listing

LC25215 is an affordable small residential lot in Florahome with clear listing identifiers: 0.17 acres, parcel number 18-08-25-5106-6120-0300, a $5,995 cash price, and an owner-finance option.

The opportunity is straightforward, but the due diligence is important. A 7,405-square-foot lot can be sensitive to setbacks, septic placement, access, drainage, flood status, and subdivision rules. Do not treat the residential zoning label as a promise that a home can be built.

If the price and location fit your search, the next step is to review the full listing, then verify the parcel with Putnam County before making a final decision.