DeFuniak Springs, FL 0.48-Acre Land for Sale with AG Zoning and Owner Financing

If you are looking for a rural Walton County lot where the purchase price and financing are as important as the eventual use, this parcel is worth a careful look. The appeal is a small Florida land parcel with AG zoning shown in the listing, dirt-road access, and private water/septic planning still ahead.

The property is LandCentury LC27067, parcel 17-3n-18-10022-007-001a, on Spring Lake Dr in DeFuniak Springs, Florida 32433. It is listed at 0.48 acres, or 20,908.8 square feet, with a $14,900 cash price and a $22,500 owner-finance price.

The key caveat: the listing title says no HOA and mobile homes allowed, but buyers should verify those points through Walton County zoning and recorded documents before planning a home, manufactured home, driveway, well, or septic system.

Listing image associated with the 0.48-acre Spring Lake Dr parcel; confirm actual boundaries and access through county records or a survey.

Property snapshot for parcel LC27067

These are listing facts and what they mean for a buyer. Use them as a starting point, not a substitute for county, title, survey, and permit verification.

Setting: rural Walton County context, not city-lot assumptions

The supplied data places the parcel on Spring Lake Dr in DeFuniak Springs, within unincorporated Walton County. That matters because Walton County zoning, building, driveway, environmental, and septic-permitting processes are the practical checkpoints for most land-use questions.

DeFuniak Springs is the county seat, and the surrounding county context is more rural than urban. For a buyer, the important takeaway is infrastructure: road maintenance, legal access, water source, septic feasibility, and permit path can determine whether a low acquisition price remains practical.

County GIS is helpful for orientation, but research notes county map features are approximate and vacant parcels may not be address-verified in the same way as improved properties. Treat map data as a starting point and rely on official records, permit offices, and a survey for decisions.

Additional property image from the listing gallery for LC27067; visible image metadata does not establish utility, road, or boundary conditions.

Potential uses, only after Walton County verification

On paper, the combination of a 0.48-acre size, AG zoning shown, and mobile-home-oriented listing language makes this parcel relevant to rural homesite and manufactured-home shoppers.

That is not the same as a permit. Any use should be checked against Walton County zoning, setbacks, minimum lot standards, driveway and access requirements, floodplain rules, well and septic approvals, utility availability, and any covenants or subdivision restrictions recorded against the legal description.

• Manufactured or mobile home placement, if Walton County zoning, recorded restrictions, septic approval, setbacks, and permit requirements allow it.
• Site-built rural residence planning, if lot dimensions, access, drainage, floodplain review, well, septic, and building permits all support the plan.
• Limited recreational or weekend use, only if county rules allow the intended temporary use and sanitation, access, parking, fire, and waste requirements are satisfied.
• Long-term land hold, after verifying taxes, access obligations, restrictions, and any maintenance responsibilities tied to the road or subdivision.

Due diligence checklist before you buy

For this parcel, the biggest questions are practical: Can you legally use it as intended, can you reach it, can you install water and septic, and will flood or recorded restrictions change the plan? Work through these checks before treating the purchase price as the full project cost.

Owner financing: what the listing offers

The cash price is $14,900. The owner-finance price is $22,500 with $3,000 down, leaving a $19,500 financed amount under the listed terms.

The seller’s finance terms list 10% APR, a separate $249 processing and origination fee, and payment examples of $414.32 for 60 months, $323.72 for 84 months, or $257.69 for 120 months. The listing describes the structure as a contract for deed, with the deed transferred after final payment.

Because a financed land deal can feel simple but still carries legal consequences, compare the cash and financed paths using total cost, payment risk, title-transfer timing, and what happens if your land-use plan is not approved.

• Is the contract for deed recorded, and when does legal title transfer?
• Are taxes, insurance, servicing, or recording costs included in the monthly payment?
• Is prepayment allowed without penalty?
• What default notice, cure period, and refund rules apply if a payment is missed?
• What happens if zoning, septic, access, or flood review makes the intended use impractical?

How to compare this lot with alternatives

Compare this parcel on total usable cost, not just purchase price. A lower-priced lot can become more expensive if it needs substantial driveway work, clearing, well and septic installation, power extension, survey work, or floodplain engineering.

For mobile-home or rural-homesite shoppers, the strongest comparison points are zoning confirmation, recorded restrictions, road maintenance, septic suitability, water source, and whether seller financing changes the true price enough to matter.

Questions buyers may ask about this property and area

Bottom line

This is a 0.48-acre DeFuniak Springs land listing for buyers who want a small rural Walton County parcel with a clear price and seller financing available. The supplied facts, including AG zoning shown, dirt-road access, septic needed, and well needed, make the opportunity easy to understand but not yet fully resolved.

The right buyer will be comfortable doing county-level verification before committing to a manufactured home, site-built residence, recreational use, or long-term hold. The listing’s no-HOA and mobile-home language should be checked against zoning, official records, and any subdivision restrictions.

If those checks support your plan and the total site-work budget still works, the parcel may be worth moving to the next stage. If access, floodplain, well, septic, or permit findings are unfavorable, the low entry price could be offset by development costs.

If you are still weighing budget, financing, and site-work costs, compare this parcel with other cheap acreage for sale so you can see how price, access, utilities, and restrictions differ before choosing a lot.