0.20 Acres for Sale in Hawthorne, Florida

Stop Renting. Own 0.20 Acres in Cooper Lake Estates for $199/Mo

A Flood Zone X parcel at 175 feet elevation in Cooper Lake Estates, Interlachen, with no HOA,

no credit check required, and $249 to get started.

There is a moment when renting stops making sense. Not because the apartment got worse, but because you realize you have been paying someone else for years and have nothing to show for it. This 0.20 acre lot in Cooper Lake Estates, Interlachen offers a different path. For $249 down and $199 a month, you can own Florida land with no bank involved, no credit check, and no income verification required. The parcel sits at 175 feet above sea level in Flood Zone X, carries $72 in annual property taxes, and has no HOA. That is ownership you actually get to keep.

What You See When You Arrive

Cooper Lake Estates is a quiet, established residential community tucked into the lake country of Putnam County, Florida. When you arrive at the parcel, you find wooded, level land with the

natural character of North Central Florida: tall pines, native scrub, and open sky. The lot is accessible via a county maintained road, in a neighborhood that has been platted and settled

for decades. There are no surprises here, no hidden obstacles, and no complicated access situation to work through. It is exactly the kind of parcel a first time land buyer wants: clean,

clear, and ready.

175 Feet: What Elevation Means for a First Time Buyer

One of the first things people learn when they start looking into Florida land is that elevation matters enormously. Most of the state sits at or near sea level, and the risks that come with that

are well documented. This parcel sits at 175 feet above sea level, well above the flood concerns that define much of Florida's available land inventory. FEMA confirms it with a Flood Zone X designation: outside the 1% annual chance floodplain, with flood insurance typically not required. For a first time land buyer, that designation removes one of the biggest unknowns from the equation before you even sign anything.

Property Highlights and Unique Selling Points

175 Foot Elevation: Flood Zone X From Day One At 175 feet above sea level, this parcel stands well above the floodplain risk that defines much of Florida's available land. The Flood Zone X designation from FEMA means no mandatory flood insurance, no drainage anxiety, and no second guessing after a heavy rain season. You are buying high, stable ground in a state where that distinction matters.

Residential Single Family Zoning: A Clear Path to Building

The lot is zoned Residential Single Family, designated for a site built home. When you are ready to build, the zoning is already set up for it and county road access is already in place. The path from raw land to a finished home site is as straightforward as it gets in Florida.

No HOA: No Committee Controlling Your Build

There is no homeowner association and no property owners association connected to this parcel. Putnam County does not regulate, enforce, or track HOAs. That means no architectural review board, no approval process for how you design your home, and no monthly dues added on top of your $199 payment.

Just $72 Per Year in Property Taxes

The annual property tax on this parcel is $72. Hold it for ten years and you will spend less on taxes than most people spend on a single car payment. For a buyer building their first real asset, the carrying cost here is essentially zero. You can own this land, take your time planning, and move forward without a financial clock running against you.

County Maintained Road Access

The road to this parcel is county maintained and kept in serviceable condition year round. That matters for construction access, for daily use once you build, and for the overall marketability of the land. Not all affordable Florida land offers this, and it is worth noting when it does.

Between Three Major Markets: Gainesville, Jacksonville, Ocala

Cooper Lake Estates sits in Putnam County, connected to Gainesville, Jacksonville, and Ocala via US HWY-301 and RT-20. You are not buying in a remote or inaccessible location. You are buying in lake country with direct road connections to three of Florida's most active real estate markets.

Interlachen: The Florida That Still Feels Like Florida

Interlachen and the surrounding Putnam County lake region offer something Florida has been steadily losing in its most developed corridors: space, quiet, and the version of the state that people who grew up here still remember. The name Interlachen comes from a phrase meaning between the lakes, and the surrounding landscape delivers exactly that. Clear water, native mwildlife, and an unhurried pace that feels genuinely removed from the noise.

Ravine Gardens State Park is one of the area's signature destinations, drawing visitors from across North Central Florida for its suspension bridges, deep ravines, and lush spring fed trails.

Etoniah Creek State Forest adds miles of hiking through rare Florida scrub and flatwoods. Lake LaGonda Park brings waterfront access, fishing, and picnic grounds right into the center of the

community. The Canyons Zip Line and Adventure Park delivers a completely different energy for buyers who want something more active. Silver Springs State Park, one of the clearest natural springs in the world, is an easy drive from Interlachen.

When you need a city, Palatka is 20 minutes east. Gainesville is 40 minutes west. Jacksonville is under two hours north. This is not isolation. It is the right kind of distance.

You Do Not Need a Bank for This One

We cut out the banks entirely. Here is what ownership looks like right now:

Cash Price: $7,995 (call to confirm availability)

Owner Financing: $249 down, then $199 per month for 72 months

Interest Rate: 0%

Doc Fee: $249

No banks. No credit checks. No income verification. $249 is what it costs to put your

name on a Florida deed and start calling this yours.

Property Details

Parcel: 11-10-23-1600-0050-0060

County: Putnam County, FL

Subdivision: Cooper Lake Estates

Legal: BLK 5, Lots 6 and 7

Size: 0.20 acres

Elevation: 175 feet above sea level

GPS Center: 29.636597, -81.962986

Road Access: County Maintained

Zoning: Residential, Single Family

Flood Zone: X (Outside 1% annual chance floodplain)

Annual Taxes: $72

HOA: None

Electric: Florida Power and Light

Water: Well or cistern

Septic: Required

Flood Zone X land in an established Putnam County community, with county road access, no HOA, $199 monthly payments, and $72 in annual taxes. If you have been thinking about making this move, this is the one to act on. Reach out today to confirm availability.