0.23 Acres for Sale in Interlachen, Florida

No HOA Lot in Interlachen, FL

Panama St : Interlachen, FL

Putnam County, Florida

0.23 Acre

$9,600 USD

Land Description

No board. No dues. No neighbor with a clipboard telling you what color to paint your door.

That is the whole idea behind this lot. It is a 0.23 acre parcel on Panama Street in Interlachen, Florida. It sits in the western half of Putnam County. It is zoned R2 for homes, with no HOA, and its own parcel number. A real, marked out lot that answers to you.

The name Interlachen means land between lakes. Small, quiet, full of water and pines. This is ground that answers to you and nobody else. No gate code. No monthly bill for rules you never wanted.

This is real ground with your own set of rules, and a quiet street leading up to it. Nobody gets a vote but you.

Picture Your Life Here

Interlachen is the Florida people move to when they want room to breathe. No theme parks. No beach traffic. No board meetings. Just water, forest, and space.

Picture the mornings. Warm air. Birds in the pines. Your own patch of ground, and not one rule on it that you did not choose.

The lakes are everywhere. Twin Lakes and Violet Lake sit close by. Lake LaGonda has a park with a dock and easy fishing from the bank. Lake Grandin is a short drive too. People pull largemouth bass, bluegill, and bullhead right off the shore. Putnam County is known across the country for its bass fishing.

Town is an easy drive. Palatka is about twenty minutes east on State Road 20. That is where you find groceries, hardware, doctors, and the hospital. Palatka sits on the wide St. Johns River, one of the best bass rivers in the country.

Gainesville and the University of Florida are about forty five minutes west. Ocala is about an hour southwest. The beaches near St. Augustine are around an hour and fifteen minutes east. Jacksonville is about the same to the north. Orlando is under two hours south.

Then there is the winter. Dry air and long sun. Days in the seventies while the north freezes.

You get country quiet and your own set of rules, without being cut off from anything.

The Lifestyle

Out here the map opens up, and nobody has to approve how you spend your Saturday.

Back the boat down the ramp at Lake Grandin at sunrise, and nobody asks what time you left or where you parked the trailer. The bass do not care either. Fish till the sun is high, then run twenty minutes east into Palatka, where the St. Johns River spreads out wide enough to look like open water.

In the summer, the Ocala National Forest is the escape. Hundreds of thousands of acres starting just south and west of here, with springs like Salt Springs and Silver Glen holding 72 degrees straight through August. Trails to ride, quiet water to paddle, and room enough that you can go all day without seeing a fence line.

Then you come home to your own ground, where the only rules are the ones you set. That is the whole appeal.

The Land Itself

Here is what you are buying.

Room to do it your way. The lot is 0.23 acre, close to 10,000 square feet. Picture a house on it. Now add a driveway, a front yard, a back yard, a shed, and space for a project or two. You still have room left over. This is space to build the full version of the life you want.

Sitting at 131 feet. The lot sits at 131 feet above sea level, high ground by Florida standards, and runs 10,136 square feet. It is wooded, with room to clear exactly as much or as little as you want.

No HOA on your back. There is no association tied to this lot. That means no monthly dues and far fewer rules about how you use your own ground. Your project, your pace, your call.

Flood Zone X. High and dry. The lot sits in Flood Zone X, the best flood designation there is, outside the 1 percent annual chance floodplain. At 131 feet up, this is dry, solid ground.

A county maintained road. Panama Street is county maintained, so the road in is the county's responsibility to keep up.

Platted and recorded. This is Lot 20, Block 55, in Unit 15 of Interlachen Lakes Estates, recorded at Map Book 4, Page 186 with Putnam County, under its own parcel number.

Taxes of $96 a year. That is the 2025 bill. On owner financing it rides inside your monthly payment.

Zoned R2 for homes. Putnam County lists this lot as R2 residential. A single family home fits here. So does a mobile or manufactured home. The zoning answer is already on the books.

Building Here

R2 is a real neighborhood zoning, and that works in your favor.

Putnam County zones this lot R2 residential, and that zoning is flexible. You can build a single family home here. You can also set up a mobile or manufactured home instead. That choice is yours to make.

A mobile or manufactured home is the faster and lower cost way to start living on your land. A site built home usually costs more. What you spend comes down to the size and finish you choose.

Good news on power. Clay Electric serves this area out of its Keystone Heights office, so the lines are already nearby. Water comes from your own well, and wastewater runs on a septic system. Both go in when you build, through Putnam County Environmental Health.

The county's own record for this parcel lists what can be built here as a house.

When you are ready, the county planning office handles the permit. That is the first step and the whole of it. No board reviews your plans first.

You build on your own clock, not somebody else's. Own the land now. Start when you are ready.

Why Interlachen Makes Sense

Your own land is a simple kind of freedom. No board, no dues, no landlord. You buy it, and what happens on it is your call.

Florida helps. No state income tax, and the taxes on a small lot like this stay low.

And the area keeps growing. West Putnam County adds homes and people every year, so ground you buy cheap and quiet today tends to be worth more down the road. Your own rules, with a rising value under them, is a good place to stand.

Who This Land Is For

This one is for the buyer who is done asking permission.

Maybe you have spent years in a subdivision where the association picks your paint color and fines you for a boat in the driveway. Maybe you have rented so long you cannot even hang a shelf without a landlord's blessing. That kind of life wears thin.

A quarter acre of your own in the Putnam County pines is a different feeling. No board. No dues. No permission slip for a weekend project. Just a piece of Florida with your name on the paperwork and a quiet street leading up to it. Space to breathe, and rules that are yours.

At $9,600, this lot is an easy way to plant your own flag. Owner financing starts at just $249. No bank in the middle. No credit check. Just your land, your rules, and a fair price to get there.

Simple Owner Financing

The terms are simple. No bank is involved.

Discounted Cash Price: $9,600

That is a discount for paying in full. Pay cash and $9,600 is the number, start to finish.

Easy Owner Financing Available:

●       Down Payment: $249

●       Documentation Fee: $249 (one time)

●       Total Due Today: $498

●       Monthly Payment: $199 per month for 60 months

●       No interest

●       One payment covers everything, property taxes included

●       No credit check and no bank approval

If you are okay with the down payment and happy with the monthly payment, we have a deal. Nobody pulls your score or asks for two years of tax returns.

You Are Protected

Every purchase comes with the 100 Day Love It or Swap It promise.

Come see your land in the first 100 days. If it is not right for you, your money moves. Every dollar of principal you paid gets credited toward any other property we have of equal or greater value. You cover the difference plus a small processing fee. Your principal carries over in full.

There is one flat $249 document fee. No other closing costs. No realtor commission. No junk fees.

When the land is paid in full, your Warranty Deed is recorded in your name at the county. A Warranty Deed is the strongest form of ownership there is.

Property Details

Location: Panama St, Interlachen, FL

State: Florida

County: Putnam

Size: 0.23 acre, about 10,000 square feet

Parcel / APN: 18-10-24-4074-0550-0200

Terrain: Wooded, 131 feet above sea level

Zoning: R2 Residential

HOA / POA: None

What Can Be Built: Single family home, or a mobile or manufactured home

Water: Well

Sewer: Septic

Flood Zone: Zone X, outside the 1 percent annual chance floodplain

Elevation: 131 feet above sea level

Legal Description: Interlachen Lakes Estates Unit 15, MB4 P186, Block 55, Lot 20

Road Access: County maintained road

Annual Taxes: $96 (2025)

Electric: Clay Electric, Keystone Heights office

Questions People Ask

Are you a realtor?

No. We are not agents and there is no middleman. We own every lot we sell, outright. You are dealing with the owner of the land directly. That is also why we can offer owner financing ourselves. It is our land, so we set simple terms and pass the savings straight to you.

Is there really no HOA?

Correct. There is no association tied to this lot. No monthly dues, and far fewer rules about how you use your ground.

Is a quarter acre big enough to build on?

Yes, and it holds more than people picture. The lot is about 10,000 square feet. That fits a house, a driveway, yards front and back, and a shed, with room to spare.

What can I build here?

A single family home, or a mobile or manufactured home. The lot is zoned R2 residential in Putnam County, which gives you both options. When you are ready to build, the county handles the permit.

Can I put a mobile home on it?

Yes. R2 zoning allows a mobile or manufactured home. That is often the faster and lower cost way to start living on the land.

What does it cost to build here?

It depends on what you build. A mobile or manufactured home is usually the lower cost path, and a site built home costs more. The final number comes down to size and finish.

Is there power and water?

The local electric provider serves this area, so the lines are already nearby. Water and sewer run on a well and a septic system, which is how most homes out here do it, and that goes in when you build.

Do you check my credit?

No. No credit check, no income check, no bank approval. If you are good with the down payment and happy with the monthly payment, we have a deal.

What if I miss a payment?

Call us right away. Life happens, and we can usually work something out. Taking your land back is not what we are here for. We want you to finish paying it off and own it.

Can I pay it off early?

Yes, any time, with no penalty. Pay extra whenever you want or pay the whole balance off. It is your land and your pace.

I live out of state. Can I buy it without seeing it first?

Yes, and plenty of buyers do. Every property we list has professional photos and video. Then the 100 day promise gives you time to come walk it in person.

How fast can this happen?

Message us today and we can have it wrapped up in 24 hours.

Claim Your Ground

One message does it. Tell us you want the Panama Street lot in Interlachen.

We can have it in your name within 24 hours. No bank, no credit check, no closing table, no realtor.

A place with no board and no dues, at this price, does not sit around waiting. The sooner it is yours, the sooner the only rules on it are your own. Owner financing starts at $249, so that is an easy call.

Send us a message and put the Panama Street lot in your name.

Golden Ridge Partners