Bronson, FL Land for Sale: 0.5-Acre Lot with Owner Financing Terms
If you are comparing small Florida land lots, this one is best approached as a practical due-diligence opportunity: affordable asking price, clear parcel identifiers, and several important site questions to confirm before you buy.
The property is LandCentury listing LC26019, parcel 09404-013-00, located on NE 69th Street in Bronson, Levy County, Florida 32696. It is listed as 0.5 acres, or 21,700 square feet, with a $13,900 cash price and a $19,000 owner-finance price.
The listing notes residential zoning, dirt-road access, and well and septic needed. Those are useful starting facts, not final approvals; buyers should verify zoning, access rights, utilities, septic feasibility, flood status, restrictions, taxes, and title through the appropriate county and closing sources.
Property snapshot: what the listing says and why it matters
These are the core listing facts to use when researching the parcel. Treat them as the starting point for county verification, title review, and site planning.
Gives buyers the street and city context to use when checking county maps, jurisdiction, access, and nearby land-use patterns.
Levy County records and offices are key for parcel lookup, taxes, zoning guidance, flood resources, and permitting questions.
This helps match the listing to deed records, assessor data, and title documents before closing.
A half-acre lot can be workable for some residential concepts, but setbacks, septic placement, well location, and restrictions can materially affect usable area.
Residential is the listing’s stated zoning label; buyers should confirm the exact zoning district and permitted uses with the county.
Dirt-road access can affect maintenance, drainage, construction logistics, emergency access, and year-round drivability.
The buyer should not assume public water, public sewer, or installed private systems are already available; feasibility and cost need separate verification.
This is a useful carrying-cost estimate, but current tax status, unpaid balances, exemptions, and special assessments should be checked before closing.
Bronson and Levy County setting
Bronson is the county seat of Levy County, which makes the area practical for parcel research because the main county property, tax, planning, and related public-record resources are part of the local due-diligence path. For a small vacant lot, that matters more than lifestyle description: buyers need to confirm records, use rules, taxes, and site constraints before deciding what the land can support.
Parcel-specific facts are more limited. The supplied listing places this lot on NE 69th Street and identifies it as Oak Ridge Estates Block 56 Lot 14. The listing also notes dirt-road access and well/septic needed, but it does not verify whether the road is public or private, who maintains it, whether the lot is inside a municipal jurisdiction, or whether utility extensions and septic permits are feasible.
Potential buyer fit and realistic uses
This parcel may fit a buyer looking for a small residential-scale land holding in Levy County with clear parcel identifiers and an available owner-finance option. It is not best evaluated as a ready-to-build homesite until the key approvals and site conditions are confirmed.
The listing categories include residential land and mobile home/RV land, but category tags are not a substitute for county zoning, deed restrictions, subdivision covenants, septic feasibility, well permitting, access rights, or local occupancy rules.
- Possible future single-family homesite, only if zoning, setbacks, permits, driveway access, well, septic, flood status, and title review support that use.
- Possible manufactured or mobile home site, only if the exact zoning district, building standards, permits, and any Oak Ridge Estates restrictions allow it.
- Possible RV-related use, only if county or municipal rules and deed restrictions allow the intended duration, utility setup, and occupancy type.
- Small land hold for a cash buyer or owner-finance buyer who understands that site development costs may exceed the purchase price.
- Buyer who wants a defined parcel number and legal description for straightforward county-record research before making a final decision.
Due diligence checklist for parcel 09404-013-00
Use this checklist to separate what is listed from what must be verified. The strongest next step is to match the parcel number and legal description in official county records, then confirm use, access, utilities, taxes, and title before closing.
Verify parcel identity, ownership, and map location
Look up parcel 09404-013-00 and compare the owner, legal description, acreage, and map location against the listing and closing documents. If the county map boundary differs from expectations, resolve that before proceeding.
Confirm zoning, jurisdiction, and permitted uses
Ask the appropriate planning office for the exact zoning district, whether the parcel is under county or municipal jurisdiction, and whether your intended use is allowed. Confirm minimum lot size, setbacks, mobile home rules, RV rules, and any building or occupancy limitations.
Order title review and check taxes
A warranty deed is listed, but buyers should still review title, liens, unpaid taxes, assessments, easements, and deed restrictions. Confirm the listed $120.00 annual tax figure against current tax records before closing.
Investigate dirt-road access
The listing states dirt-road access. Verify whether the road is public, private, recorded, or easement-based; who maintains it; whether it is passable in wet weather; and whether it meets requirements for construction, emergency access, and utility installation.
Verify utilities, well, and septic feasibility
The listing says well and septic are needed. Confirm whether public water or sewer is unavailable, whether electric service is near enough to connect economically, whether a well can be permitted, and whether soil and lot conditions support a septic permit.
Screen flood, wetlands, and drainage issues
Use Levy County flood resources and FEMA/NFHL mapping to check for Special Flood Hazard Area status. Also review GIS layers, aerial imagery, and site conditions for wetlands, low areas, ditches, seasonal water, or drainage constraints.
Check restrictions, HOA/POA, and subdivision rules
No HOA or POA information is supplied. Because the legal description references Oak Ridge Estates, ask for recorded covenants, deed restrictions, road agreements, architectural rules, or association obligations that could affect use or costs.
Review owner-finance documents carefully
If financing, compare the $19,000 owner-finance price with the $13,900 cash price, the $4,000 down payment, 10% APR, $249 processing/origination fee, monthly payment options, and the contract-for-deed structure where the deed transfers after final payment.
The selected official source is the Levy County Property Appraiser property search. It is the best first stop for confirming parcel number, ownership, legal description, assessment information, and record alignment before moving on to GIS, tax, zoning, flood, and title checks.
Cash price vs. owner financing
The listing gives two different purchase paths: a $13,900 cash price and a $19,000 owner-finance price. The owner-finance terms state a $4,000 down payment, 10% APR, and a $249 processing/origination fee that is separate from the financed amount and monthly payments.
The financed amount is listed as $15,000 after the down payment. Payment options shown are $318.71 per month for 60 months, $249.02 per month for 84 months, and $198.23 per month for 120 months, with payments described as principal and interest at 10% APR.
The listing also describes the financing as contract for deed, with the deed transferred after final payment. That structure can be useful for buyers who want lower upfront cash than a cash purchase, but it should be reviewed carefully so the buyer understands default terms, recording practices, taxes, insurance expectations, payoff rights, and when legal title transfers.
- What is the total amount paid over the selected term, including down payment, monthly payments, and the $249 fee?
- Are taxes, recording fees, document fees, or insurance responsibilities paid by the buyer during the contract period?
- What happens if a payment is late or the buyer wants to pay off the balance early?
- Is the contract recorded, and what documentation does the buyer receive at signing?
- When exactly does the deed transfer, and what closing or recording costs apply at payoff?
- How do estimated site-development costs affect affordability compared with buying the parcel for cash?
Questions buyers may ask about this property and area
Bottom line for buyers
This 0.5-acre Bronson parcel stands out because the listing provides useful identifiers: parcel number, legal description, acreage, cash price, owner-finance terms, access note, utility note, and listed taxes. That makes it easier to research than a vague land listing.
The tradeoff is that the biggest buyer questions remain open. Residential zoning must be confirmed at the parcel level, dirt-road access needs legal and physical verification, and well/septic feasibility can determine whether the lot works for a future home, manufactured home, RV-related plan, or simple land hold.
If the numbers fit your budget, use the parcel number to verify county records first, then get zoning, access, flood, tax, title, and utility answers in writing before relying on the property for a specific use.
Ready to review the listing details?
See the current property page for availability, seller contact options, images, and purchase instructions. If you are comparing financing, review the owner-finance terms carefully alongside your due-diligence budget.
Helpful next step
Use the official county parcel search as your first verification step, then follow with zoning, tax, flood, access, utility, and title checks before closing.
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