Keystone Heights, FL Land for Sale: 0.46 Acres with Owner Financing
Small residential lots can be appealing because the entry price is manageable, but the real buying decision comes down to the details: access, utilities, zoning, septic feasibility, and what the county will actually permit.
Property LC25852 is a 0.46-acre vacant land parcel at 6436 Baylor Ave in Keystone Heights, Clay County, Florida. The listed cash price is $9,500, with an owner-finance price of $15,000 and stated terms available from the seller.
The important caveat is that listing data is not the same as a building approval. Residential zoning, dirt-road access, and well/septic needs are noted, but buildability, exact permitted uses, flood status, access rights, and utility availability should be verified before purchase.
Property snapshot for 6436 Baylor Ave
These are the core listing facts a buyer should use as a starting point, then verify through county records, a title review, and site-specific inspections as needed.
Gives buyers the exact location reference for parcel research, maps, utility questions, and county inquiries.
The parcel number is the key identifier to use when checking county property, tax, zoning, and permitting records.
A small residential lot can work for some plans, but setbacks, septic placement, drainage, and usable area matter.
Clay County resources are the starting point for zoning, development standards, permitting, and local land-use checks.
This suggests a residential land-use direction, but the exact zoning district and allowed uses still need county confirmation.
Dirt-road access should be checked for legal access, maintenance responsibility, year-round usability, and construction access.
The property has both cash and seller-financed pricing, so buyers should compare total cost, payment terms, and contract requirements.
Taxes appear low in the listing, but current tax status, assessments, title, and deed handling should be verified before closing.
Keystone Heights and Clay County setting
The property is listed in Keystone Heights, a city of record in Clay County, Florida. That local context is useful for understanding where to start your research, but it should not be confused with parcel-specific approval for utilities, access, or construction.
Clay County planning and land development resources are especially important here because small lots can be affected by zoning district rules, setbacks, frontage requirements, subdivision plats, floodplain standards, and septic constraints. County utility guidance also notes that providers vary by location, so service availability should be checked for this exact address.
Keystone Heights is described in county materials as a lake community with small-town character. For a land buyer, the more practical point is that this is a local residential-area purchase where county confirmation and on-the-ground verification are more valuable than broad regional assumptions.
Potential uses and buyer fit
This parcel is best approached as a small residential land opportunity for a buyer who is willing to complete due diligence before committing to a specific plan. The price point and owner-finance option may be attractive, but the next steps are verification, not assumptions.
Any use should be conditioned on Clay County zoning confirmation, permits, access rights, utility availability, well and septic feasibility, flood and drainage review, and any subdivision or private restrictions that may apply to Highridge Estate.
- Future single-family homesite, if the lot meets zoning, setback, access, septic, flood, and permitting requirements.
- Manufactured or mobile-home plan, only if the exact home type is allowed by county rules and any subdivision restrictions.
- Small residential land hold for a buyer who wants a Keystone Heights parcel and is comfortable maintaining vacant land while evaluating future options.
- Personal land ownership for future improvements, with any RV, camping, storage, or temporary use confirmed in writing before purchase.
Due diligence checklist before buying
Use the parcel number, street address, and legal description when contacting county offices, utility providers, a title company, or a surveyor. The goal is to confirm that the parcel can support your intended use before closing.
Confirm zoning and permitted uses
Ask Clay County Planning and Zoning to confirm the exact zoning district, future land use designation, and whether your intended use is allowed on parcel 20-08-23-002779-000-00.
Check buildability limits
Verify setbacks, minimum lot size, frontage, site-plan requirements, and any Highridge Estate subdivision restrictions. Residential zoning alone does not prove that a structure can be permitted.
Verify legal and physical access
The listing says dirt-road access. Confirm whether the road is public, private, or easement-based, who maintains it, whether access is usable year-round, and whether construction vehicles can reach the lot.
Investigate water, septic, and electric
The listing says well and septic are needed. Confirm septic feasibility, well requirements, and electric availability for the exact address before budgeting for construction or occupancy.
Review flood, wetlands, and drainage
No flood-zone or wetlands status was supplied. Check FEMA flood resources and local drainage or floodplain rules for the exact parcel location before assuming the site is low risk.
Order title and boundary review
Have a title company or closing agent review title, vesting, legal description, easements, and deed handling. Consider a survey if boundaries, access, or encroachments are unclear.
Confirm taxes and assessments
The listing states annual taxes of $63.00. Verify current taxes, unpaid amounts, and any special assessments with the appropriate Clay County offices.
Review owner-finance documents
If financing, read the contract carefully, including default provisions, late fees, payment schedule, prepayment rights, who pays taxes, and when the deed transfers.
Clay County Planning and Zoning is the best official starting point for zoning, permitting, development standards, and land-use questions tied to this parcel.
Owner financing terms to review
The listing states that owner financing is available at a $15,000 owner-finance price with $2,000 down, 10% APR, and a $249 processing and origination fee. It also states that the transaction uses a contract for deed, with the deed transferred after final payment.
The listed financed amount is $13,000. Payment options shown are $276.21 per month for 60 months, $215.82 per month for 84 months, and $171.80 per month for 120 months. The listing states those payments are principal and interest, and that the $249 fee is separate.
Treat these as seller-provided terms to review, not as legal or financial advice. Compare the payment plan against the lower cash price and the expected costs for survey, title, well, septic, clearing, driveway work, permits, and utilities.
- Is there any prepayment penalty or payoff discount?
- What happens if a payment is late or the buyer defaults?
- Who pays property taxes, assessments, and maintenance during the contract period?
- When exactly does the deed transfer, and what documents confirm that timing?
- Are there any additional closing, servicing, document, or recording fees beyond the listed $249 fee?
Cash purchase vs. owner financing
The cash price is $9,500, which is lower than the $15,000 owner-finance price. A cash buyer may reduce long-term financing cost, but should still budget for due diligence and development expenses beyond the purchase price.
Owner financing can reduce the upfront cash required, with $2,000 down listed, but it increases the contract price and adds interest over time. For this type of lot, the smartest comparison is total all-in cost: land price, financing cost, title work, survey, access improvements, well, septic, permits, and any site preparation.
Questions buyers may ask about this property and area
Bottom line for buyers
This 0.46-acre Keystone Heights parcel is a straightforward land opportunity on paper: identifiable address, parcel number, listed Residential zoning, low cash price, and owner financing available. Those facts make it worth a closer look for buyers comfortable with small-lot due diligence.
The main caution is that the most important development questions are not fully answered in the listing. Dirt-road access, well and septic needs, flood status, buildability, and any mobile-home or RV plans all require confirmation before you rely on them.
If the parcel fits your budget and location criteria, take the next step by reviewing the full listing, then verify the county, title, access, utility, and financing details before moving forward.
Ready to review LC25852?
Open the full listing for current availability, seller details, images, and purchase options, then use the parcel number for your due-diligence checks.
Official due-diligence resource
Use Clay County Planning and Zoning to begin confirming zoning, development standards, permitting requirements, and land-use questions for this parcel.
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