0.23 Acres for Sale in Lake Placid, Florida

Lake Placid Lot for Retirement

Plan Now. Decide Later.

The hardest part of planning retirement is that everything feels like it has to happen at once. Pick the place. Sell the house. Move. Commit.

It does not have to work that way. You can settle the land question now, calmly, while prices are still reasonable, and leave every other decision for later.

This is a 0.23 acre lot at 342 E Waterway Ave NW in Lake Placid, Florida. It sits in Placid Lakes, a settled neighborhood in Highlands County. It is zoned for a single family home. It is on high ground. It is quiet.

You do not have to build on it this year. You do not have to build on it at all. But when you are ready, the land is yours and it is paid for.

The Land

The lot is 0.23 acres, which is right around 10,000 square feet.

That is a good sized homesite. There is room for the house, a driveway, a front yard and a back yard, a shed, and a screened porch, with grass left over. Nobody here is mowing forty acres.

It sits 100 feet up. The parcel is in Flood Zone X, the low risk rating, outside the 1 percent annual chance floodplain. High and dry, in plain terms.

The ground is flat, which keeps site preparation simple when the time comes.

E Waterway Ave NW is a county maintained road. The county handles upkeep. There is no private road agreement to sign and no shared maintenance bill.

There are no HOA or POA fees on this parcel. No dues and no board reviewing your plans.

The parcel is on file with Highlands County under its own APN, 14-37-29-140-1020-0290. It is a real lot on a named street with neighbors already living around it.

Property Features

●       0.23 acres, right around 10,000 square feet

●       Zoned R1-A, single family residential

●       Elevation of 100 feet

●       Flood Zone X, the low risk rating

●       Flat terrain

●       County maintained road frontage

●       No HOA or POA fees

●       Site built and modular homes permitted

●       Placid Lakes community, Lake Placid, Florida

Picture the Area

Lake Placid sits on the Lake Wales Ridge, the high sandy spine that runs down the middle of Florida. The land here rolls a little. The air is drier than the coast. The pines and oaks are tall.

The town is known as the Town of Murals. More than 40 painted murals cover the walls downtown, and people come just to walk and look at them. It is also the caladium capital of the world, where most of the country's caladium bulbs are grown. In summer those fields turn to stripes of red and pink and white.

Highlands County has roughly 100 lakes. Placid Lakes has paved county roads. Houses are built along them, with open lots between. People live here all year. It is settled without being crowded.

Getting There and Around

US Highway 27 runs north and south through town and is the main route for this part of Florida. State Road 70 runs east and west.

Sebring is about 20 minutes north by car. That is the county seat, with the hospital, the larger stores, and the raceway.

Fort Myers is roughly an hour and a half to the southwest. Orlando is about two hours north. Tampa is about two hours northwest. West Palm Beach is about two hours to the southeast.

For a retirement plan that is a useful position. You are near a hospital and daily shopping. You are also an easy drive from four big airports.

Life Here

Mornings are quiet. You hear birds before you hear traffic.

Lake June in Winter Scrub Preserve State Park is minutes from the lot. Lake June itself is deep and clear, good for boating and for a long walk along the shore.

Highlands Hammock State Park is a short drive north. It is one of the oldest state parks in Florida, with old growth oaks, a boardwalk through the swamp, and easy flat trails.

Lake Istokpoga, the biggest lake in the county, is one of the best bass lakes in the state.

The everyday version of life here is simple. Coffee on the porch. A drive into town. Light traffic and free parking. Winters that mean an open window instead of a snow shovel.

What Is Nearby

●       Lake June in Winter Scrub Preserve State Park, minutes away

●       Highlands Hammock State Park, a short drive north

●       Lake Istokpoga, one of Florida's top bass lakes

●       Downtown Lake Placid and the murals, minutes away

●       Sebring, the hospital, and larger shopping, about 20 minutes

●       US Highway 27 and State Road 70

●       Fort Myers, about an hour and a half

●       Orlando and Tampa, about two hours

Who This Land Is For

This is for the person who would rather handle it early and calmly than scramble later.

You are somewhere between 45 and 65. You may still be working. Retirement is close enough to think about seriously, and you would like the Florida part of the plan settled before prices make it harder.

You do not want a mortgage. You do not want a long approval process or a stack of conditions. You want a straightforward asset that you control, that sits there quietly, and that gives you options.

That is what this lot does. Buy it now while it is affordable. Build a small house on it when you retire, or a seasonal place for winters, or hand it to your kids and never build at all. The lot does not expire and neither do your choices.

Florida has no state income tax. For anyone planning retirement income, that is a real number on your side.

What You Get

●       A 0.23 acre parcel with its own APN, on file with Highlands County

●       R1-A single family zoning in an established neighborhood

●       100 feet of elevation in Flood Zone X

●       A county maintained road at your frontage

●       No HOA dues and no board approval

●       Owner financing with no interest and no credit check

●       One flat $249 document fee and no other closing costs

●       No agent fees and no junk fees

●       The 100 Day Love It or Swap It promise

●       A Warranty Deed recorded in your name when the land is paid in full

Building Your Home

R1-A is single family zoning. It sets a minimum of 1,000 square feet of living space, which keeps the neighborhood consistent and protects what your neighbors build next to you.

A site built home is the traditional route. A builder puts it up on a poured foundation here on the lot. It costs the most and lasts the longest.

A modular home is built in sections at a factory, then set here on a permanent concrete foundation. It goes up faster than site built. It usually costs less too.

As a rough guide for 2026, a modest site built home in this part of Florida tends to land somewhere between $180 and $260 per square foot once you count the slab, the well, the septic, the power connection, and permits. A modular home often runs $130 to $190 per square foot all in. These are broad estimates. Your real number depends on size, finish, and your builder.

At a 1,000 square foot minimum, you are looking at a small, sensible house. That is exactly what most people want at this stage anyway.

Utilities and What to Expect

Good news on power. Electric service runs through Placid Lakes. The lines are nearby, not a long run away.

The lot is served by a well and a septic system, like most homesites in this part of Highlands County. Both go in when you build, and local contractors handle them as routine work.

Propane covers gas. Trash is weekly pickup.

The Terms

Discounted Cash Price: $21,900

That is the price for paying in full. Pay cash and $21,900 is the number, start to finish.

Owner financing is available on this parcel with no interest.

●       Down Payment: $2,900

●       Document Fee: $249 one time

●       Total Due Today: $3,149

●       Monthly Payment: $399 for 60 months

●       No interest

●       No credit check

Message us today and say you want 342 E Waterway Ave NW.

Your Money Is Protected

You are covered by the 100 Day Love It or Swap It promise. Come see your land within 100 days. If it is not the right fit, every dollar you have paid toward the land moves to any other lot we own of equal or greater value. You pay the difference and a small processing fee. All of it carries over. You lose none of it.

Your Warranty Deed is recorded in your name at the county once the land is paid in full. A Warranty Deed is the strongest form of owning there is.

One flat $249 document fee covers the paperwork. There are no other closing costs, no agent fees, and no junk fees.

Property Details

Parcel ID: 14-37-29-140-1020-0290

Address: 342 E Waterway Ave NW, Lake Placid, FL

County: Highlands County, Florida

Subdivision: Placid Lakes

Size: 0.23 acres, right around 10,000 square feet

Zoning: R1-A, single family residential

Minimum Living Space: 1,000 square feet

Terrain: Flat

Elevation: 100 feet

Flood Zone: Zone X

Access: E Waterway Ave NW, county maintained

Water: Well

Sewer: Septic

Electric: Service available in the area

Gas: Propane

Waste: Weekly pickup

HOA: None

Discounted Cash Price: $21,900

Owner Financing: $2,900 down, $249 document fee, $399 per month for 60 months, no interest

Questions Buyers Ask

What can I build here?

A single family home. R1-A zoning allows a site built or modular home with at least 1,000 square feet of living space. Modular homes go on a permanent concrete foundation. The Highlands County planning office confirms the details for your plan.

Do you check my credit?

No. There is no credit check and no bank. If you are comfortable with the down payment and happy with the monthly payment, we have a deal.

Is the lot in a flood zone?

The lot is in Flood Zone X. That is the low risk rating. It sits outside the 1 percent annual chance floodplain. It sits 100 feet up.

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 a prepayment penalty?

No. Pay extra any month you like, or pay the balance off early. Nothing changes and nothing is added.

Do I have to build right away?

No. There is no deadline to build. Many buyers hold the land for years while they plan. That is a normal and sensible way to go.

Can I buy it without seeing it first?

Yes, and many buyers do. Every listing has photos and video shot by a pro. The 100 Day Love It or Swap It window gives you room to come stand on it in person after you buy.

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.

Are there HOA dues?

No. There are no HOA or POA fees on this parcel.

About Golden Ridge Partners

Golden Ridge Partners is a Florida land company. We buy land outright, we hold it, and we sell it direct to the people who want it.

We are not brokers. Because we own our inventory, we can offer owner terms ourselves, with no interest and no credit check. It is simply how we sell our own land.

We work with families building lasting wealth through land in Florida. That is a slower and steadier thing than flipping, and it is the business we want to be in.

How Buying Works

You send us a message and tell us which property you want. We confirm the terms in plain language. You pay the total due today. We draw up your papers and send them over.

There is no bank to convince, no credit score to worry about, and no closing table to sit at. Most buyers are done inside 24 hours.

Claim This Lot

You can take your time deciding what to build. The land itself is a different matter, because today's price is today's price.

Send us a message and say you want 342 E Waterway Ave NW in Lake Placid.