Palatka, FL Land for Sale: 0.3 Acres with Owner Financing Available
For buyers comparing small Florida land at a low entry price, this is the type of parcel where the purchase terms are straightforward but the site checks matter.
The property is 108 SE 8th Ave in Palatka, Putnam County, Florida, identified as parcel 10-09-27-7732-0310-0150. It is listed as 0.3 acres, or 13,068 square feet, with a $5,995 cash price and a $9,995 owner-finance price.
The source data lists residential zoning, dirt-road access, and well and septic needed. Treat those as starting points, not final approvals; confirm zoning, legal access, utilities, septic feasibility, flood or wetland conditions, and permit requirements with Putnam County before relying on the lot for a specific use.
Property snapshot: 108 SE 8th Ave, Palatka
These are the core listing facts a buyer should use to identify the parcel, compare pricing, and begin local verification.
This is the supplied street address for mapping and county-record research.
Use this identifier when checking the property appraiser, GIS, tax, zoning, and permit records.
The legal description and deed type help match the listing to recorded property information.
This is a small lot, so setbacks, drainage, septic placement, and usable area deserve careful review.
Cash and financed purchase structures should be compared separately, including fees and total cost.
This is a listing-data point, not a final buildability decision; verify the exact Putnam County zoning district and allowed uses.
Confirm whether the access is public, private, or easement-based and whether driveway or road improvements are required.
The listing does not confirm installed utilities; water, septic, electric, and permitting feasibility should be verified before closing.
Palatka and Putnam County setting
Palatka is in Putnam County, where property records, zoning questions, building permits, and many site-development checks are handled at the county level. For this parcel, the important location facts are the Palatka address, ZIP 32177, the Putnam County jurisdiction, and the Rio De St John Unit 3 plat reference.
The most useful local context is administrative rather than promotional: Putnam County provides property appraiser, planning and zoning, GIS, and building-department resources that buyers should use before relying on a vacant lot for residential plans.
Parcel-specific source data says the property has dirt-road access and needs well and septic. Those two details make road status, driveway standards, drainage, electric availability, and onsite sewage feasibility especially important due-diligence items.
Potential uses and buyer fit
The practical buyer fit is not someone looking for a ready-to-build lot without homework. It is a buyer who wants a small Palatka parcel and is prepared to verify land use, utilities, and access before designing improvements.
Any residential plan should be evaluated under the parcel’s exact zoning district, future land use, setbacks, minimum lot-size rules, well and septic requirements, flood or wetland review, deed restrictions, and building-permit standards. The listing category and residential note do not replace county approval.
- Single-family homesite investigation, if Putnam County confirms the use and the parcel can meet setbacks, driveway, water, septic, drainage, and permitting requirements.
- Manufactured or mobile-home inquiry, only if the exact district permits it; county context notes mobile homes are allowed in specific districts such as AG, R-2, and RMH, not automatically on every residential parcel.
- Small land-hold or future-use parcel for a buyer comfortable carrying vacant land while resolving survey, access, utilities, taxes, and restriction questions.
- Limited personal or accessory use, such as storage, garden, or occasional day use, only if local code, subdivision rules, access, and environmental conditions allow it.
Due diligence checklist for this Putnam County parcel
Before treating this lot as a build site or long-term hold, verify the facts below through county records, written seller documents, and qualified local professionals where needed.
Confirm parcel identity and record data
Search the parcel number in official county records and confirm the address, owner record, legal description, assessed information, and any visible tax or district notes.
Verify zoning and future land use
The listing says Residential, but the exact zoning district controls. Ask Putnam County whether the intended use is allowed and whether any variance, rezoning, or special permit would be required.
Check intended residential uses directly
If you are considering a house, manufactured home, mobile home, RV use, or accessory structure, ask the county about that specific use, not just whether the property is generally residential.
Confirm legal access and road status
The listing notes dirt-road access. Verify whether the road is public, private, or easement-based, who maintains it, and whether a driveway permit, culvert, or road improvement would be required.
Verify water, septic, and electric feasibility
The source data says well and septic are needed. Confirm whether public water or sewer exists nearby, whether a well is practical, whether septic can be permitted on this lot, and whether electric service is available.
Screen flood, wetlands, and drainage
Check FEMA flood information, county environmental resources, drainage patterns, and any wetland indicators before assuming the entire 0.3 acres can be improved.
Review survey, plat, and restrictions
County GIS can help orient the parcel, but a survey is the better tool for boundaries, encroachments, and access. Also review the Rio De St John Unit 3 plat and any recorded restrictions.
Confirm taxes and financing documents
The listing data shows taxes of $18, which should be checked against current county tax records. If using owner financing, review the contract for deed, payment schedule, fees, default terms, and deed-transfer timing in writing.
Start with the Putnam County Property Appraiser to verify the parcel record, tax and appraisal context, and identifying data. Then cross-check zoning, GIS mapping, building, access, and septic questions with the appropriate county departments before closing.
Owner financing: what the listed terms mean
The listing provides a $5,995 cash price and a $9,995 owner-finance price. Cash and financed purchases should be compared separately because the headline price, interest, fees, and deed-transfer timing are different.
Listed owner-finance terms include $1,000 down, 10% APR, and payment options of 5 years at $138.11 per month, 7 years at $107.91 per month, or 10 years at $85.90 per month. A $249 processing and origination fee is also listed, with a stated finance amount of $8,995 after down payment and fees.
The source data describes the financed structure as a contract for deed with deed transfer after final payment. Before signing, review the written agreement for recording, default terms, prepayment rules, taxes, late fees, and exactly when title transfers.
- What total amount will I pay under each 5-, 7-, and 10-year option?
- Is the contract for deed recorded, and what document does the buyer receive at signing?
- Are property taxes, document fees, and any servicing charges included or separate?
- What happens if I pay early, miss a payment, or want to sell before final payment?
How to compare this lot with other Florida land
Do not compare this parcel on price alone. A 0.3-acre lot with dirt-road access and well/septic needed can carry development costs or constraints that are not visible in the listing price.
When comparing other Palatka or Florida vacant land, weigh county-verified zoning, legal access, road maintenance, electric proximity, water and sewer availability, well and septic feasibility, flood and wetlands status, survey needs, and any deed or subdivision restrictions.
The appeal here is the low listed cash price and available owner financing. The tradeoff is that a buyer should resolve the small-lot, dirt-road, and septic questions before treating the parcel as a future homesite.
Questions buyers may ask about this property and area
Bottom line
This is a low-price, small Palatka land listing with clear identifiers: address, parcel number, 0.3 acres, cash price, and an owner-finance option. The strongest appeal is the accessible entry point and the availability of seller financing.
It is not a parcel to evaluate from price alone. The listed Residential zoning, dirt-road access, and well/septic needed notes all require county and site-specific confirmation before assuming a home, mobile home, RV use, or other improvement will be approved.
If the intended use survives zoning, access, septic, flood or wetland, survey, and financing review, the parcel may be worth a closer look for a buyer seeking a small Putnam County lot. If those checks do not align, resolve the issue before committing to improvements.
Ready to review the details?
Open the listing to see current status and contact options, then use county records to verify the parcel before making a land-use plan.
Helpful next step
Compare this property with vacant land and owner-finance land options, but keep the comparison focused on verified zoning, access, utilities, site constraints, and total cost, not just advertised price.
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