0.22 Acres for Sale in Satsuma, Florida

Wooded 0.23 Acre in Satsuma, FL

107 High Ridge Rd : Satsuma, FL 32189

Putnam County, Florida

0.23 Acre

$9,600 USD

Land Description

Imagine driving out to your own land on a Saturday morning, coffee in hand, with the St. Johns River glinting through the pines just down the road. No landlord, no lease, no rent receipt to show for another year. Just a quiet, wooded quarter acre in Satsuma, Florida with your name on the deed. This 0.23 acre building lot in St. Johns Riverside Estates is one of the simplest ways to stop renting and finally own a real piece of Florida, and with simple owner financing there is no bank to convince and no credit check to pass.

If you have been paying rent for years, this is the moment that changes. For $498 to get started, you can hold a tangible asset that is yours, in a peaceful riverside community, on your own terms and your own timeline.

Picture Your Life Here

Satsuma sits right along the mighty St. Johns River, in a stretch of Putnam County that locals quietly consider one of Florida's best kept secrets. This is the real Florida, the one without theme parks, traffic, or packed beaches. Here is what your days could look like once this land is yours.

Mornings on the water. The St. Johns is one of the country's premier bass fishing rivers, and boat ramps sit just minutes from your lot. Launch at sunrise for largemouth bass, crappie, and catfish, drift a quiet cove in a kayak, or simply watch the mist lift off the water. In the cooler months, manatees move up the river and into the nearby springs, and you can paddle out to see them.

Weekends in the parks. Dunns Creek State Park is a short drive away, with trails, paddling, and wildlife around every bend. Ravine Gardens State Park in Palatka, famous for its dramatic ravines and its blaze of spring azaleas, is roughly 15 to 20 minutes north. Cross toward the west and the Ocala National Forest opens up, with legendary crystal clear springs like Salt Springs and Silver Glen where you can swim in 72 degree water year round.

Small town Florida. Historic downtown Palatka, about 15 minutes away, gives you shopping, dining, medical care, a riverfront, and events like the beloved Blue Crab Festival. Crescent City, known as the

Bass Capital, sits just to the south. This is a place where neighbors wave, life slows down, and you actually know the land around you.

Big days out when you want them. When you crave a change of pace, historic St. Augustine and the Atlantic Coast beaches are roughly an hour east. Gainesville, Daytona Beach, and Jacksonville all sit

within about an hour to an hour and fifteen minutes, so you get deep country peace without cutting yourself off from jobs, airports, and city life.

And the climate lets you enjoy all of it. North Central Florida gives you mild, pleasant winters that are made for being outside, comfortable springs and falls perfect for building and gardening, and warm

green summers built for early mornings on the river. This is land you can actually use, in every season.

The Land Itself

At 0.23 acres, roughly 10,100 square feet, this is a comfortable residential building lot with room for a home, a driveway, a yard, and landscaping. The setting is flat and wooded, offering natural privacy and shade while staying easy to work with. The sandy soil typical of North Central Florida drains well, which keeps foundation work and septic installation straightforward and cost effective. A little light clearing prepares a building site whenever you are ready.

One meaningful advantage here is the flood zone. This parcel sits in Flood Zone X, which is outside FEMA's 1 percent annual chance floodplain, so it is considered a low risk build site where flood

insurance is typically not required. That is a real, lasting savings for a future homeowner.

Utilities are within reach. Electricity is available in the area through Florida Power and Light, so connecting power to a future home is a standard service connection. You would install a well for water, typical for this part of Florida and giving you fresh water with no monthly bill, and a septic system for wastewater, which suits the sandy soils here. Propane serves cooking and heating, and weekly trash

pickup is available.

The property is zoned for residential single family use, giving you a clear path to a traditional site built home. RVs and manufactured homes may be permitted, so check current Putnam County zoning for

your specific plans. And there is no HOA, which means no monthly dues eating into your budget, no restrictive covenants limiting your choices, and no committee telling you what you can build. This is your land, to develop as you choose within Putnam County's reasonable building codes.

This property is made for the buyer who is ready to stop renting and start owning. You do not need perfect credit or a large lump sum. You need a fair lot at a fair price and a straightforward path to

owning it, and that is exactly what this is. Secure the land now, hold it as your first real asset, and build when you are ready, all on your own timeline.

Simple Owner Financing

The terms are refreshingly simple and built to get you to the finish line:

Cash Discounted Price: $9,600

Easy Owner Financing Available:

●Down Payment: $249

●Documentation Fee: $249 (one time)

●Total Due Today: $498

●Monthly Payment: $199 per month for 60 months

●0 percent interest, no credit check, no bank approval

That is a quarter acre of Florida for $498 to start and $199 a month, with no bank, no credit check, and no hoops to jump through. Ownership made simple, honest, and fair.

You Are Protected

Every purchase is backed by the 100 Day Love It or Swap It promise. Visit your land within the first 100 days, and if it is not the perfect fit, your principal is credited toward any other property in the inventory. When your land is paid in full, you receive a Warranty Deed, the strongest form of ownership, recorded from our family to yours. There is one flat $249 document fee with zero other closing costs, no realtor commissions, no junk fees, and no surprises.

Property Details

Property Address: 107 High Ridge Rd, Satsuma, FL 32189

State: Florida

County: Putnam

Zip: 32189

Subdivision: St. Johns Riverside Estates (Hoot Owl Ridge 1st Addition)

Size: 0.23 acres, approximately 10,100 square feet

Parcel / APN: 01-11-26-8241-0230-0330

Approximate GPS (center): 29.5659, -81.6258

Terrain: Flat and wooded

Elevation: Approximately 30 feet

Flood Zone: Zone X, outside FEMA's 1 percent annual floodplain, flood insurance typically not required

Zoning: Residential, Single Family

HOA / POA: None

Access: County maintained road

Water: Private well needed

Sewer: Septic system needed

Electric: Available in the area through Florida Power and Light (1-800-226-5885)

Gas: Propane

Trash: Weekly pickup available

Annual Taxes: Low for raw land of this size and value, estimated roughly $100 to $200 per year (please

verify with the Putnam County Property Appraiser)

Ready to Own It?

It really is this simple. If you are comfortable with the down payment and happy with the monthly

payment, we have a deal. No bank to convince, no credit score to worry about. Reserve your spot today

and take the first real step toward owning your piece of Florida.

Golden Ridge Partners

Juliana Scolari

Phone: (407) 917-0848

Email: [email protected]

Listing and reservation: https://goldenrp.land/inventory/01-11-26-8241-0230-0330/