0.36 Acres of Keystone Heights, FL Land for Sale with Owner Financing
For buyers looking for an affordable entry point into Florida land, this Keystone Heights parcel is the kind of small residential lot that deserves a careful look before a quick decision.
The property is 0.36 acres, or 15,725 square feet, at 7193 Pembroke Street in Keystone Heights, Clay County, Florida. The listing shows a $7,500 cash price, an $11,900 owner-finance price, paved road access, and well and septic needed.
The key caveat: residential zoning and mobile-home-related listing categories are not the same as a permit approval. Before planning a home, manufactured home, RV-related use, or any site work, buyers should confirm zoning, setbacks, access, utilities, flood status, and permitting with the appropriate local offices.
Property snapshot
Here are the listing facts that matter most, plus what each one means for a buyer evaluating the parcel.
Use this when asking LandCentury or the seller about the exact listing.
This is the key identifier for county property records, GIS research, taxes, and zoning questions.
The address places the lot in Keystone Heights within Clay County; parcel-specific rules still need county confirmation.
A small residential lot size can make setbacks, building footprint, drainage, and septic placement especially important.
Residential zoning is a useful starting point, but permitted structures and buildability depend on county review and any applicable restrictions.
A paved-road note is helpful, but buyers should still verify frontage, maintenance responsibility, and driveway approval.
The lot is not presented as having public water or sewer in place, so well, septic, health review, and installation costs should be budgeted early.
The deed type and tax figure are listing data; buyers should still confirm current ownership, title status, and current-year taxes before closing.
Keystone Heights and Clay County setting
Keystone Heights is an incorporated city in Clay County, Florida. For a land buyer, the most important local context is not just the city name; it is which offices control zoning, permitting, utilities, access, and development standards for the parcel.
This lot’s supplied facts point to a small residential property with paved road access listed and private well/septic needs. Those details make the county review process especially important because a buyer’s real project cost may depend on septic feasibility, driveway requirements, clearing, drainage, and whether the desired structure type is allowed.
General city information can help buyers understand local services and municipal contacts, but parcel-specific decisions should be based on county records, recorded documents, a survey when needed, and written confirmation from the appropriate reviewing offices.
Potential uses to verify before purchase
This parcel is best approached as a low-entry residential land opportunity for a buyer who is willing to do the county-level homework. The listing shows residential zoning and appears in residential, owner-finance, and mobile-home/RV land categories, but the allowable use must be confirmed for this exact parcel.
Because the lot is 0.36 acres, the main feasibility questions are practical: Can the desired structure meet setbacks? Can septic be approved? Is a well feasible? Is the road frontage usable for a driveway? Are there restrictions, overlays, or recorded limits that affect the plan?
- A future site-built residence, only if zoning, setbacks, building permits, driveway approval, well, septic, and site conditions work for this parcel.
- A manufactured or mobile home, only if Clay County and any applicable rules confirm that the structure type is allowed and permit-ready on this lot.
- Temporary RV-related use only if local rules allow it; do not assume long-term RV living or camping is permitted because of a listing category.
- A land hold or planning-stage purchase for a buyer comfortable carrying taxes and completing due diligence before improvements.
- Accessory or storage-related use only if allowed by zoning and not in conflict with residential rules, nuisance standards, or recorded restrictions.
Due diligence checklist for this Keystone Heights lot
Before buying, use the parcel number, address, and legal description to verify the listing facts against official records. These checks are especially important because the property is unimproved land with well and septic needed.
Confirm zoning and permitted structures
Ask whether the parcel’s residential zoning allows your intended use, including a site-built home, manufactured home, mobile home, accessory structure, or any RV-related use. Confirm setbacks, minimum lot requirements, lot coverage, and whether development review is required before a building permit.
Verify the parcel in county property records
Search by parcel number 20-08-23-002507-000-00 and compare the address, legal description, ownership, assessed value, and tax status with the listing. Confirm whether the $67.56 tax figure is current.
Review title, deed, and recorded restrictions
The listing states Warranty Deed, but buyers should still review title, liens, easements, subdivision restrictions, and any recorded documents that may affect use or access.
Check survey, boundaries, and buildable area
A 0.36-acre lot can be sensitive to setbacks, septic placement, drainage, and driveway layout. Consider a survey before committing to a site plan or assuming the whole lot is usable.
Investigate well, septic, and electric availability
Because the listing says well and septic are needed, verify septic feasibility, well requirements, water quality considerations, electric service availability, and extension costs before treating the purchase price as the total project budget.
Verify road frontage and driveway approval
The listing says paved road access, but buyers should confirm legal frontage, whether the road is public or private, who maintains it, and whether a driveway or culvert permit is needed.
Review flood, drainage, and environmental constraints
Check flood mapping, drainage patterns, wetlands indicators, and any low-lying areas that could affect construction, septic approval, insurance needs, or site preparation costs.
Read owner-finance documents carefully
If financing, review the contract for deed, APR, payment schedule, late fees, default rules, processing fee, total cost, and the exact timing of deed transfer after final payment.
The official City of Keystone Heights website is useful for city-level contacts, public information, and local services. For parcel-specific zoning, development standards, and building-permit questions, buyers should also confirm details with Clay County planning and permitting staff.
Owner-finance terms shown in the listing
The listing presents two pricing paths: a $7,500 cash price or an $11,900 owner-finance price. The financed option is advertised with no credit check or income verification, a contract for deed, and deed transfer after the final payment.
The stated owner-finance terms include $3,000 down, 10% APR, and payment examples of $146.60 per month for 5 years, $114.55 per month for 7 years, or $91.18 per month for 10 years. The listing also notes a $249 processing and origination fee for new loans.
Owner financing can reduce the upfront cash needed, but it changes the total cost and the legal timeline for receiving the deed. Buyers should compare the financed price, interest, fees, and contract terms against a cash purchase before choosing a payment path.
- Is the financed price of $11,900 the principal amount used in the contract?
- When exactly does the deed transfer, and what happens if the buyer pays off early?
- Are there late fees, prepayment rules, default provisions, or servicing fees beyond the listed processing fee?
- Does the contract allow the buyer to apply for permits, install utilities, or make improvements before final payment?
- What is the total amount paid over the selected 5-, 7-, or 10-year term?
How to compare this lot with other Florida land options
Do not compare this parcel on price alone. A small lot with well and septic needed may have a lower entry price than an improved homesite, but the all-in budget can change once survey, clearing, driveway, well, septic, permits, and impact or utility-related costs are included.
The strongest comparison points are size, zoning confirmation, permitted structure type, utility status, access, flood risk, and financing terms. If you need a ready-to-build parcel, prioritize verified utilities and permit feasibility. If you want a lower upfront land purchase with time to plan, this Keystone Heights lot may be worth investigating further.
Questions buyers may ask about this property and area
Bottom line
This 0.36-acre Keystone Heights lot offers a straightforward value proposition: small residential land in Clay County with a $7,500 cash price, an owner-finance option, paved road access listed, and private well/septic needs.
The opportunity is real, but so is the homework. The listing facts are useful starting points, not final approvals. A smart buyer will verify zoning, mobile-home or RV-related rules, buildable area, access, flood status, taxes, title, and utility feasibility before committing to a specific plan.
If the due diligence checks out for your intended use and budget, this parcel may be a practical low-entry land purchase. If you need guaranteed utilities, confirmed permits, or a turnkey homesite, keep comparing before you buy.
Interested in this Keystone Heights parcel?
Review the full listing details, then ask the seller direct questions about financing, access, utilities, and the documents needed for due diligence.
Helpful next steps
Use the listing for price and seller terms, the parcel number for county research, and official local sources for city contacts, zoning questions, permits, and development requirements.
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