Short Walk To The Lake, $285/Mo
Annette Avenue : Interlachen, FL 32148
Putnam County, Florida
Land Description
Are you tired of paying rent every month with nothing to show for it? This already cleared and surveyed 0.22-Acre lot in Interlachen, Florida gives you the chance to start building your future without the usual extra costs and headaches. What if you could take that same money and put it toward land you actually own? No bank. No credit check. Just a simple, affordable path to owning your own piece of Florida land. Whether you are thinking 3 years ahead or 7 years ahead, this property could be the first real step toward the future you have been planning. Quiet, private, and sitting at a comfortable elevation with no flood zone concerns, this lot is ready for you to make your move.
Pricing Options
Owner financing: $250 doc fee (nonrefundable) + $500 down + $285/Month for 72 months
Discounted cash price: $15,500 + $250 doc fee (nonrefundable)
This vacant, undeveloped lot sits inside Interlachen Lakes Estates Unit 17 in Putnam County, Florida. Unlike many raw land parcels, this one is already surveyed and cleared-meaning no need to spend thousands removing trees or guessing where your boundaries are. It is also just a short walk down the street to the public boat ramp for Lake Grandin, giving you quick access to fishing, boating, and peaceful weekends on the water. The land sits at 110 feet of elevation, well above flood-prone areas, and there are no wetlands on the property. County-maintained Annette Ave runs right along the lot, giving you direct road access. Power poles are already visible on Annette Ave, which makes future electric hookup much more straightforward. This is a clean, simple parcel with no back taxes and no tax liens.
Key Property Features:
• 0.22 acres of surveyed and cleared land in Putnam County, Fl
• Short walk to the public boat ramp for Lake Grandin
• Elevation of 110 feet with no flood zone or wetland issues
• Direct road access via county-maintained Annette Ave (dirt road)
• Power poles already visible along Annette Ave
• No back taxes owed and no tax liens
• Low annual property taxes of just $78.81 per year
Future Development Options:
• Place a mobile home on the property once it is paid off (1976 or newer)
• Build a single-family home or tiny home as a single-family dwelling
• Use as a long-term investment or leave something behind for your kids
Financing Benefits:
• No bank or credit check required - we work directly with you
• Low $500 down payment gets you started
• No pre-payment penalty - pay it off early anytime you want
• Simple owner financing at $285/Month for 72 months
Ready to stop paying rent with nothing to show for it? Contact us today to get started. We make the process simple and straightforward. No hoops to jump through. No bank telling you no. Just reach out and we will walk you through everything step by step. Spots like this do not sit around for long.
Think about where you want to be in five years. Still renting? Or making the last payment on land that is 100% yours? For a lot of hardworking people, owning land feels out of reach. Banks say no. Down payments feel impossible. That is exactly why we do things differently here at Rowes of Land. This lot was made for someone who is ready to take that first real step.
Imagine having a place to go on weekends. A cleared lot where you can walk your land, breathe fresh Florida air, and start dreaming about what comes next. Even while you are making payments, this land is yours in the agreement. You are building toward something real. You can visit your property during your ownership. You can start planning your layout. You can know exactly where your future mobile home will sit, where the driveway will go, and how you want your homesite to come together. Plus, with Lake Grandin's public boat ramp just down the street, your weekends can include fishing, boating, and time on the water close to home. This is the kind of thinking that turns renters into landowners.
Planning for the future looks like this:
• Visiting your cleared lot on weekends and getting familiar with the land
• Slowly saving up for a well and septic system as you pay down the note
• Researching mobile homes and knowing exactly what you want when the land is paid off
• Showing your kids that you are building something real and lasting for the family
• Feeling the peace of mind that comes from owning land free and clear one day
And for those who love the outdoors, this area of north-central Florida has so much to offer. Putnam County is surrounded by lakes, rivers, and state parks. You are close enough to civilization for everything you need, but far enough out to enjoy some real peace and quiet. This is the kind of place where you can slow down a little and remember why you work hard in the first place.
Outdoor enthusiasts will love what this region has to offer:
• Lake Grandin public boat ramp is just a short walk away - easy access for fishing and boating
• Silver Springs State Park is about 50 minutes away - world-famous natural springs, kayaking, glass-bottom boat tours, and wildlife watching
• Riverfront Park in Palatka is just 27 minutes away - beautiful St. Johns River views, picnic areas, and outdoor events
• Putnam County is surrounded by lakes and ideal for fishing, boating, and wildlife viewing
• The area has mild winters, making it great for year-round outdoor visits
Interlachen and the surrounding area offer a relaxed, affordable pace of life that is hard to find in most parts of Florida. You are not stuck in a city. You are not paying city prices. But you are still close enough to get what you need without a long drive.
Nearby Communities and Services:
• Interlachen, FL is just 10 minutes away (4.8 miles) - small town with local shops and essentials
• Gainesville, FL is about 40 minutes away (32.7 miles) - full-size city with major retailers, hospitals, restaurants, and the University of Florida
• Palatka, FL is about 27 minutes away - riverfront city with parks, dining, and services
• Exxon gas station on Main Dr in Interlachen is just 4 minutes away (1.9 miles)
Regional Recreation Opportunities:
• Lake Grandin public boat ramp - walking distance from the property
• Silver Springs State Park - 50 minutes away, one of Florida's top natural attractions
• Riverfront Park in Palatka - 27 minutes away along the St. Johns River
• Numerous lakes, trails, and fishing spots throughout Putnam County
Transportation and Accessibility:
• Fl-20 is the closest highway, connecting you to Palatka to the east and Gainesville to the west
• Annette Ave provides direct dirt road access to the property, maintained by the county
• Gainesville Regional Airport is approximately 40 minutes away for travel needs
Cost of Living Benefits:
• Putnam County property taxes on this lot are just $78.81 per year
• No city taxes - property is outside city limits
• Rural Florida land remains one of the most affordable land investments in the Southeast
• Low cost of living in Interlachen compared to most Florida metros
Here is a clear look at exactly what you are getting with this property:
Essential Property Details:
• Parcel size: 0.22 acres
• Dimensions: approximately 124 ft x 74 ft
• Terrain: Surveyed and cleared
• Elevation: 110 feet above sea level
• GPS Coordinates: 29.67268, -81.87125
• Parcel ID: 35-09-24-4076-0350-0050
• Subdivision: Interlachen Lakes Estates, Unit 17
Zoning and Development Information:
• Zoning: Residential, Two-Family (R-2)
• Mobile homes allowed (must be 1976 or newer)
• Single-family homes and tiny homes (as single-family dwelling) allowed
• Short-term vacation rentals allowed up to 120 days per year, no more than 2 consecutive weeks
• Building permits are good for 180 days and can be extended
• Please review deed restrictions thoroughly before starting any construction
Utilities and Infrastructure Requirements:
• Water: Well will need to be drilled
• Sewer: Septic system will need to be installed
• Electric: Power poles are visible on Annette Ave - contact Clay Electric Coop ) or Florida Power & Light )
• Gas: Contact Putnam Propane Inc ) or Courtesy Gas )
• Waste: Contact Putnam County Landfill ) or Waste Pro Palatka )
Annual Ownership Costs:
• Annual property taxes: $78.81
• No HOA dues confirmed at this time
• No back taxes or liens
Important Restrictions:
• Property is vacant and undeveloped - no permanent living on the property during the owner-financing period
• Mobile homes must be 1976 or newer
• Review deed restrictions (Book 0771 / Page 0879) before any construction
We believe in being straight with you. That is just how we do things at Rowes of Land. We are a family-owned business and we want you to feel good about every step of this process. There are no hidden fees sneaking up on you. The doc fee is $250 and it is nonrefundable - we tell you that upfront. The property is vacant land and cannot be lived on during the financing period. Permanent residency while making payments is not permitted. We want you to go into this with your eyes open so you feel confident and secure in your decision. This is a real piece of ground with a clean title, low taxes, and a straightforward path to ownership.
This could be the smartest $285 you spend every month. Instead of that money going to a landlord, it goes toward land with your name on it. Land that a mobile home can sit on one day. Land you can leave to your kids. Land that is yours. Do not let another month go by paying rent with nothing to show for it. Contact us today and let us get the paperwork started. It is simple, fast, and we are here to help every step of the way.
Land Maps & Attachments
Directions to Land
Driving Directions (From SR20 in Palatka, FL)
Start Point: SR20 (State Road 20), Palatka, FL
End Point: Annette Ave, Interlachen, FL - GPS 29.67268, -81.87125
Total Distance: Approximately 20 miles
Estimated Time: Approximately 30 minutes
1. Start on SR-20 (State Road 20) in Palatka, FL heading west.
2. Drive west on SR-20 for approximately 14 miles through the town of Florahome.
3. Continue on SR-20 past Florahome. Look for the intersection with SR-20 and County Road 315 near Interlachen.
4. Turn left (south) onto County Road 315 South. Drive approximately 2 miles.
5. Turn right onto Dunn Ave heading west. Drive approximately 0.5 miles.
6. Turn left onto Bud Hawkins Road heading south. Drive approximately 0.5 miles.
7. Turn right onto Lake View Drive or follow local subdivision roads into Interlachen Lakes Estates Unit 17.
8. Navigate through the subdivision to Annette Ave.
9. The property will be located along Annette Ave near GPS coordinates 29.67268, -81.87125.
Arrival: Property is located along Annette Ave at GPS 29.67268, -81.87125 (approximately 29.6728, -81.8711 at the northeast corner).
Access Notes:
- Road surface type: Annette Ave is a dirt road
- The road is county-maintained
- Seasonal notes: Dirt roads may become soft or muddy after heavy rain - a vehicle with decent ground clearance is recommended after wet weather
- Reminder: Download your maps before you travel - cell service may be limited in this rural area
More Land Details
Land Price History
More Land from Joshua Rowe
0.5 AC : $9.9K- 0.2 AC : $11K
- 0.2 AC : $10.7K
- 0.2 AC : $11K
- 0.2 AC : $11K
- 0.2 AC : $11.5K
- 0.2 AC : $11K
- 0.4 AC : $13.9K
- 0.3 AC : $16.9K
- 0.2 AC : $10.7K
- 0.2 AC : $10.9K
- 0.2 AC : $11K
