0.30 Acres for Sale in Lake Placid, Florida

R3 Multi Family Lot, Lake Placid

Buy Where Florida Is Still Growing Inward

The coast is priced. Inland Florida is not. That gap is where the smart money is looking right now.

This is a 0.30 acre lot at 108 Navajo Ct NW in Lake Placid. It sits in Placid Lakes, a settled community in Highlands County. What makes it worth a second look is the zoning. It is zoned R3. That is multiple family residential. Most lots at this price are single family only. This one is not.

You can build one home here. You can build a duplex. You can build a multi family building with proper fire separation. That choice stays open for as long as you own it.

The Land

The lot is 0.30 acres. That is about 13,000 square feet.

It sits 155 feet up. That is one of the higher residential points in the area. The parcel is in Flood Zone X. That is the low risk rating. It sits outside the 1 percent annual chance floodplain. High and dry, with real elevation behind the words.

The ground is flat. That keeps site prep simple and keeps your build costs closer to plan.

Navajo Ct NW is a county maintained road. The county takes care of it. You do not sign a private road agreement and you do not split maintenance costs with neighbors.

There is no verified HOA or POA on this parcel. No dues. No board. No approval process for your house plans beyond what the county already requires.

The parcel has its own APN with Highlands County. It is 14-37-29-190-1030-0050. You can look it up, drive to it, and stand on it.

Property Features

●       0.30 acres, about 13,000 square feet

●       Zoned R3, multiple family residential

●       Elevation of 155 feet

●       Flood Zone X, the low risk rating

●       Flat terrain

●       County maintained road frontage

●       No verified HOA or POA

●       Site built and modular homes permitted

●       Placid Lakes community, Lake Placid, Florida

Picture the Area

Lake Placid sits in the middle of the state, on the Lake Wales Ridge. This is the high spine of Florida. It is sandy, rolling, and green.

The town calls itself the Town of Murals. More than 40 large painted murals cover the buildings downtown. It is also the caladium capital of the world. Most of the caladium bulbs sold in the United States are grown in these fields. In summer the fields around town run in stripes of red, pink, and white.

Highlands County has around 100 lakes. Lake Placid alone has more than 20 nearby. This is a water county without being a coastal county, so the prices never climbed the way the coast did.

Placid Lakes is a platted community. It has paved county roads, homes built, and open lots between them. It is quiet. People live here year round, in their own houses, on their own lots.

Getting There and Around

US Highway 27 runs north and south through Lake Placid. It is the main artery for this part of the state. State Road 70 runs east and west.

From the lot, Sebring is about 20 minutes north by car. Sebring is the county seat and has the hospital, the bigger stores, and Sebring International Raceway.

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

That is the useful part of this location. You are within an easy drive of four big metros without paying any of their land prices.

Life Here

Mornings here are quiet. The air is dry compared to the coast because you are up on the ridge.

Highlands Hammock State Park is one of Florida's oldest state parks and is a short drive north. It has old growth oaks, a boardwalk over the swamp, and miles of trail.

Lake June in Winter Scrub Preserve State Park is minutes away. Lake June is deep and clear and good for boating.

Lake Istokpoga is the largest lake in the county and one of the best bass lakes in Florida. Anglers drive here from all over the state for it.

The pace is slow in a way people move here on purpose for. Traffic is light. Parking is free. You know the person at the counter.

What Is Nearby

●       Highlands Hammock State Park, a short drive north

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

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

●       Downtown Lake Placid and its murals, minutes away

●       Sebring and the county hospital, about 20 minutes

●       US Highway 27 and State Road 70 for regional access

●       Fort Myers, about an hour and a half

●       Orlando and Tampa, about two hours

Who This Land Is For

This one is for the buyer who reads the zoning line before the photos.

You already know coastal Florida is expensive. You are looking inland because that is where the math still works. You want a real asset with a low entry cost and low carrying cost. You do not want a bank involved and you do not want a 45 day close.

R3 zoning is the reason to look twice here. On a single family lot your options are fixed. Here they are not. You can hold the land as it is. You can build one house. You can build a duplex and let it work for you. You decide later, and the zoning does not take that choice away in the meantime.

Highlands County is not a secret, but it is not crowded either. People keep moving to Florida. They keep needing places to live that are not on the coast. This is one of those places.

What You Get

●       A 0.30 acre parcel with its own APN, on file with Highlands County

●       R3 zoning with single family, two family, and multi family options

●       155 feet of elevation in Flood Zone X

●       A county maintained paved road at your frontage

●       Freedom from HOA dues and 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

R3 zoning gives you room to plan.

A site built home is the traditional path. You hire a builder, pick a plan, and put it on a poured foundation. It costs the most and it lasts the longest.

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

A manufactured home is the lowest cost way to get a roof up. Highlands County sets the rules on where it goes and what it sits on. The county planning office confirms what fits this lot.

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 include the slab, the well, the septic, the power hookup, and the permits. A modular home usually runs lower, often $130 to $190 per square foot all in. A manufactured home is lower still. These are broad estimates and your real number depends on size, finish, and who you hire.

The point is simple. You are not locked into one path here.

Utilities and What to Expect

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

This lot is served by a well and a septic system, the same as most homesites in this part of Highlands County. You drill the well and install the septic when you build, and both are ordinary steps that local contractors do every week here.

Propane covers gas. Trash is weekly pickup.

The Terms

Discounted Cash Price: $18,900

That is the price for paying in full. Pay cash and $18,900 is the number, start to finish.

Owner financing is available on this parcel with no interest.

●       Down Payment: $1,900

●       Document Fee: $249 one time

●       Total Due Today: $2,149

●       Monthly Payment: $369 for 60 months

●       No interest

●       No credit check

Message us today and say you want 108 Navajo Ct 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: 14-37-29-190-1030-0050

Address: 108 Navajo Ct NW, Lake Placid, FL

County: Highlands County, Florida

Subdivision: Placid Lakes

Size: 0.30 acres, about 13,000 square feet

Zoning: R3, multiple family residential

Terrain: Flat

Elevation: 155 feet

Flood Zone: Zone X

Access: Navajo Ct NW, county maintained

Water: Well

Sewer: Septic

Electric: Service available in the area

Gas: Propane

Waste: Weekly pickup

HOA: None verified

Discounted Cash Price: $18,900

Owner Financing: $1,900 down, $249 document fee, $369 per month for 60 months, no interest

Questions Buyers Ask

What can I build here?

R3 zoning allows a single family home, a two family home, or a multi family building with proper fire separation. Site built and modular homes are both permitted. 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 155 feet up. That is high ground for Florida.

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. Pay the whole balance off early if you want to. Nothing changes and nothing is added.

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 is no verified HOA or POA 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. That is not a program we arranged through someone else. 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 more solid 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.

That is it. 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

Today's price is today's price. The sooner this land is yours, the sooner it starts working for you.

Send us a message and say you want 108 Navajo Ct NW in Lake Placid.