Florahome, FL Land for Sale: 0.17 Acres on Centerwood Road with Owner Financing

For buyers looking at low-entry Florida land, this is the kind of small-lot opportunity where the details matter as much as the price. The appeal is straightforward: a modest Putnam County parcel, a listed residential use, and published seller-financing terms.

The property is 0.17 acres, or 7,500 square feet, on Centerwood Road in Florahome, Putnam County, Florida 32140. The listing shows a $6,995 cash price, a $9,900 owner-finance price, parcel number 14-08-24-5104-1150-0040, and a warranty deed.

The important caveat: the listing labels the lot Residential and notes dirt road access, but buildability, permitted uses, road status, flood or drainage conditions, and well/septic feasibility still need to be verified with county and state sources before closing.

Supplied listing image for Parcel 14-08-24-5104-1150-0040 in Florahome, Putnam County.

Property snapshot: what the listing verifies

These are the core facts a buyer can use to identify the parcel and begin practical due diligence. Each item should still be matched against county records before purchase.

Florahome and Putnam County setting

Florahome is in Putnam County, an inland North Florida county with a rural land market and many small subdivision-style parcels. That context can appeal to buyers who want a simple, lower-priced lot, but it also makes map, access, and infrastructure checks essential.

The parcel-specific facts here are limited to the listing data: Centerwood Road location, 0.17 acres, dirt road access noted, residential zoning listed, and well/septic needed. Broader area context should not be used as proof that this particular lot is buildable or ready for utilities.

Putnam County’s planning and GIS resources are the right starting points for local verification. County mapping can help locate the lot and review generalized layers, but buyers should remember that online maps are not a survey and are not a substitute for title, boundary, flood, or field verification.

Additional supplied view from the property media for the 0.17-acre Florahome lot.

Potential uses and buyer fit

This lot is best evaluated as a small residential parcel with a low published cash price and available owner financing, not as a guaranteed building site. The right buyer is someone willing to verify county rules and budget for infrastructure before making plans.

Because the parcel is only 0.17 acres, site design could be tight. Setbacks, septic placement, well location, driveway access, drainage, and any subdivision restrictions may determine whether a proposed use is practical.

• A small single-family residence, only if Putnam County confirms the exact zoning, setbacks, minimum lot standards, permits, flood conditions, and utility feasibility support it.
• A manufactured or mobile home, only if allowed by county rules and any subdivision restrictions; the listing category is not an approval.
• RV-related or temporary use, only if specifically permitted; many jurisdictions limit camping, long-term RV occupancy, or utility hookups on vacant residential lots.
• A long-term land hold for a buyer comfortable with low carrying costs, subject to confirming taxes, title, access, and any assessments or dues.
• Future improvement planning for a buyer prepared to price well, septic, clearing, driveway, survey, permitting, and utility-extension costs before committing.

Due diligence checklist before buying this Florahome lot

Use the parcel number and legal description to keep every county, title, and map check tied to the exact property. These are the practical items to confirm before closing or signing a financing contract.

Owner financing terms shown in the listing

The listing shows a $6,995 cash price and a $9,900 owner-finance price. The stated financing terms include a $1,500 down payment, 10% APR, and a $249 processing and origination fee.

Monthly payment options shown in the listing are $157.23 for 5 years, $122.85 for 7 years, and $97.79 for 10 years. The stated finance amount after down payment and fees is $8,400.

The listing describes the structure as a contract for deed, with the deed transferred after final payment. That can be useful for buyers seeking a no-credit-check option, but it should be reviewed carefully because it is different from receiving a deed at closing with a traditional loan.

• When is the $249 processing and origination fee due?
• Who is responsible for property taxes while the contract is active?
• Is there any penalty for early payoff?
• What happens if a payment is late or missed?
• When and how is the deed transferred and recorded?
• Are any additional document, recording, servicing, or closing fees required?

How this lot compares with other Florida land searches

Compared with larger rural acreage, this 0.17-acre parcel is about low entry cost and a defined subdivision-lot footprint, not privacy, farming space, or large recreational use. The small size makes setbacks, septic layout, and drainage verification more important than they would be on a larger tract.

Compared with a cash-only purchase, the owner-finance option may reduce the upfront cash needed, but it raises the stated purchase price from $6,995 to $9,900 and adds interest and a processing/origination fee. Buyers should compare convenience, total cost, and contract terms before choosing a payment route.

Compared with a lot that already has utilities, this parcel requires more planning because well and septic are listed as needed. That does not make the property unsuitable, but it does mean the true project budget should include feasibility checks, permits, and installation estimates.

Questions buyers may ask about this property and area

Bottom line for buyers

This 0.17-acre Florahome lot offers a low published cash price, clear parcel identification, listed residential zoning, and owner-financing terms. For buyers comparing Putnam County land, that combination is worth a closer look.

The tradeoff is that the most important questions are not answered by the listing alone. A buyer should verify the exact zoning district, legal access, flood and drainage conditions, and whether a well and septic system can be permitted and installed on a lot of this size.

If those checks align with your intended use and budget, this could be a straightforward small-lot purchase. If they do not, the low price will not offset the cost of a poor fit.