Georgetown, FL Land for Sale: 0.23 Acres with Owner Financing Available

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Posted: September 17, 2026 by LandCentury

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Property facts Area setting Potential uses Due diligence Q&A

0.23 acresLot size

$9,800Cash price

$15,000Owner-finance price

Well and septic neededUtilities listed

If you are looking for a low-entry Florida land purchase rather than a large rural tract, this Putnam County lot is the kind of small residential parcel where the details matter: zoning, access, well and septic feasibility, and contract terms all deserve a close read.

The property is LC23040, a 0.23-acre vacant land parcel at 138 Mosswood Street in Georgetown, Florida, with parcel number 12-13-26-4910-0070-1730 and legal description Lake George Manor Mb5 P24, Area G Lot 173. The listed cash price is $9,800; seller financing is also listed at $15,000.

The listing notes Residential zoning, dirt-road access, and well and septic needed. Treat those as listing statements, not final approvals—Putnam County records and the appropriate permitting offices should confirm allowed use, access, utilities, and site constraints before closing.

Listing image for the 0.23-acre Georgetown, Florida land parcel

Supplied listing image for LC23040 at 138 Mosswood Street in Georgetown; buyers should verify on-site conditions during due diligence.

Property Snapshot

Here are the key facts supplied for this Georgetown parcel, with the practical buyer meaning behind each one.

Property and parcel IDLC23040 / 12-13-26-4910-0070-1730

Use the parcel number when checking county records, tax history, zoning data, and ownership details.

Address138 Mosswood Street, Georgetown, FL 32139

Places the lot in Putnam County and gives buyers a starting point for mapping, access review, and local-office questions.

Legal descriptionLake George Manor Mb5 P24, Area G Lot 173

The legal description helps match the listing to recorded subdivision and county property records.

Lot size0.23 acres, or 10,019 square feet

This is a compact residential-size parcel, so setbacks, septic placement, drainage, and buildable area should be checked carefully.

Zoning listedResidential

Residential is the listing label, but the exact zoning district, future land use, and permitted structures need county verification.

Access listedDirt Road

A dirt-road setting can affect driveway permitting, maintenance responsibility, drainage, and year-round usability.

Utilities listedWell and Septic Needed

Private utility systems may be the buyer’s responsibility, and feasibility is not the same as permit approval.

Taxes and deed type$62.45 listed taxes; Warranty Deed

The tax figure is a useful carrying-cost clue, but current taxes, assessments, liens, and deed documents should be verified before closing.

Listing labels are not permitsThe listing categories and Residential zoning label are useful starting points, but they do not guarantee that a home, mobile home, RV use, well, septic system, driveway, or other improvement will be approved for this specific parcel.

Area Setting: Georgetown and Putnam County Context

Georgetown is an unincorporated community in Putnam County near Lake George. That is general area context; the parcel-specific facts supplied here are the Mosswood Street address, parcel number, legal description, acreage, and coordinates.

Putnam County is a smaller North Florida county, with a 2020 Census population of 73,321 and a July 1, 2025 estimate of 77,734. For a land buyer, the important takeaway is not tourism appeal, but the county-level process for confirming zoning, permitting, GIS mapping, roads, and private utilities.

The listing notes dirt-road access and well and septic needed. In practical terms, buyers should verify whether the road serving the lot is public or private, whether it is maintained, whether a driveway permit is required, and whether private water and septic systems can be permitted on this site.

Unincorporated Georgetown setting in Putnam County near Lake George.County GIS and assessor records should be used to confirm parcel boundaries, ownership, and land-use layers.Dirt-road access can be normal in rural and semi-rural areas, but maintenance and passability are parcel-specific.Private well and septic needs make health department and permitting checks essential before planning any residence or long-term use.

Additional listing image for the Georgetown, Florida land parcel

Supplemental property image supplied for the Mosswood Street lot; visual conditions and access should be confirmed independently.

Potential Uses: Realistic Buyer Fits for This Georgetown Lot

The supplied categories include Residential Buildable Land, Owner Finance Deals, and Mobile Home & RV Land. Those categories describe marketing fit; they should not be treated as final confirmation of what Putnam County will allow on this specific parcel.

The strongest buyer fit is someone who wants an affordable small Florida lot and is prepared to verify zoning, access, utilities, septic feasibility, flood or environmental constraints, and any subdivision or county restrictions before relying on the property for a specific plan.

Future residential site, subject to exact zoning, future land use, setbacks, minimum lot standards, driveway approval, well and septic permits, and any applicable restrictions.
Manufactured or mobile-home placement, only if Putnam County confirms the use is allowed for this parcel and all installation, utility, and permitting requirements can be met.
RV-related use, only if county rules allow the specific activity; temporary camping, storage, and full-time RV occupancy can be treated differently by local regulations.
Hold for future personal plans, after verifying taxes, liens, access, title, and the realistic costs of keeping or improving the lot.
Small-scale clearing, driveway, or site-prep planning, only after confirming boundaries, permits, drainage, environmental limits, and utility feasibility.

Start with the permit path, not the category labelBefore buying for a home, mobile home, RV, or long-term hold, ask the county what is allowed on parcel 12-13-26-4910-0070-1730 and what approvals would be required for your intended use.

Due Diligence Checklist for This Parcel

Small lots can be excellent entry-level land purchases, but they leave less room for mistakes. Use the parcel number and legal description to verify the items below before closing or making non-refundable payments.

Confirm exact zoning and future land use

The listing says Residential, but the exact zoning district is not supplied. Confirm the district, future land use, permitted structures, setbacks, minimum lot requirements, and any overlay rules with county records.

Ask directly about mobile home and RV rules

The property appears in a Mobile Home & RV Land category, but that does not guarantee approval. Ask whether manufactured housing, RV storage, temporary RV use, or full-time RV occupancy is allowed on this parcel.

Verify legal access and road maintenance

Road access is listed as Dirt Road. Confirm legal frontage or easement rights, whether Mosswood Street and connecting roads are public or private, who maintains them, and whether a driveway permit is required.

Check well and septic feasibility

Well and septic needed means no approved private utility system is confirmed by the supplied data. Verify septic suitability, well rules, setbacks, soil or site constraints, and any health department requirements.

Review flood, drainage, and environmental constraints

No flood status or environmental report is supplied. Check FEMA flood information, county GIS layers, drainage patterns, wetlands, and any clearing or site-work restrictions before planning improvements.

Pull tax, lien, and ownership records

The listing shows taxes of $62.45, but buyers should confirm the current bill, assessed value, special assessments, code liens, unpaid fees, and ownership history through official records.

Request survey, plat, and easement information

A small 0.23-acre lot can be sensitive to boundary and setback issues. If no recent survey is available, consider whether one is needed before construction, fencing, driveway work, or septic planning.

Review owner-finance documents carefully

If financing through the seller, read the contract for deed, deed-transfer timing, payment schedule, APR, processing fee, default terms, payoff rules, and any restrictions before signing.

Official verification starting point

The selected official source for this article is Putnam County Planning & Zoning because it is the best starting point for zoning information, land-development questions, staff contacts, and county property lookup pathways.

Check Putnam County Planning & Zoning

Owner Financing: Terms to Review Before You Commit

The listing offers a $9,800 cash price and a $15,000 owner-finance price. Seller-provided terms state a $3,500 down payment, 10% APR, and a contract for deed, with the deed transferred after the final payment.

Listed payment options are $199.72 per month for 5 years, $156.05 per month for 7 years, or $124.22 per month for 10 years. The terms also state that a $249 processing and origination fee applies to new loans.

Owner financing can make a land purchase more accessible, but the financed price is higher than the cash price and the contract details matter. Review the full payment obligation, deed timing, default provisions, and any prepayment or transfer rules before relying on the monthly payment alone.

Is the $15,000 owner-finance price the full principal amount before interest and fees?
When exactly is the deed transferred, and what document confirms that timeline?
What happens if a payment is late or missed under the contract for deed?
Are there prepayment penalties, servicing fees, document fees, or other charges beyond the listed $249 fee?
Can the buyer inspect, improve, camp on, or build on the land during the payment period, and what approvals are required first?

Questions buyers may ask about this property and area

What exactly is for sale at 138 Mosswood Street in Georgetown, FL?

The listing is for a 0.23-acre vacant land parcel in Putnam County, Florida. The parcel number is 12-13-26-4910-0070-1730, and the legal description is Lake George Manor Mb5 P24, Area G Lot 173.

How large is the Georgetown lot?

The property is listed as 0.23 acres, which equals 10,019 square feet. Because it is a compact lot, setbacks, septic placement, drainage, and usable building area should be verified early.

What is the price for this property?

The listed cash price is $9,800. The listed owner-finance price is $15,000, with seller-provided terms showing $3,500 down, 10% APR, and 5-, 7-, or 10-year payment options.

What zoning, access, and utilities are listed?

The listing shows Residential zoning, Dirt Road access, and Well and Septic Needed. These are listing statements and should be confirmed through Putnam County and the appropriate utility or health department resources.

Is this Georgetown lot buildable?

The supplied data includes a Residential zoning label and a Residential Buildable Land category, but buildability is not independently established here. Buyers should verify exact zoning, setbacks, legal access, septic feasibility, flood status, and permitting requirements before assuming the lot can be built on.

Can I place a mobile home or RV on this property?

The listing includes a Mobile Home & RV Land category, but that alone does not confirm county permission. Ask Putnam County whether your specific mobile-home or RV use is allowed on this parcel and what permits or limits apply.

Are water, sewer, or power already available?

The supplied utility note says Well and Septic Needed. It does not confirm public water, sewer, power availability, or permit approval for private systems, so buyers should verify service options and installation feasibility before closing.

Which official county office should I contact first?

Start with Putnam County Planning & Zoning to confirm land use, zoning, and allowed structures. For construction and permit-process questions, also check with the county Building Department and use county GIS or property records for parcel mapping.

Why does dirt-road access matter for this lot?

Dirt-road access can affect construction logistics, drainage, driveway requirements, maintenance responsibility, and year-round usability. Confirm whether the road is public or private, whether it is maintained, and whether legal access is recorded.

What documents should I review before buying?

Review the current tax record, ownership record, deed documents, survey or plat if available, easements, access information, zoning confirmation, septic or well feasibility notes, and all owner-finance contract terms if using seller financing.

Bottom Line

This 0.23-acre Georgetown parcel offers a low cash price, an owner-finance option, a Putnam County location, and a clear parcel identity that buyers can research using county records. For the right buyer, that combination may be worth a closer look.

The key caution is that the listing is light on technical site information. Residential zoning, dirt-road access, and well and septic needed are starting facts—not final confirmation that a home, mobile home, RV use, well, septic system, or driveway will be approved.

If the size, price, and location fit your plan, the next step is practical due diligence: verify the parcel in county records, confirm permitted use, check access and road maintenance, review private utility feasibility, and read the financing contract closely before committing.