Own Your Piece Of Old Florida
326 & 328 Michael Ave : Interlachen, FL 32148
Putnam County, Florida
Land Description
Double Lot In Interlachen's Famous Lake Country.
0.44 Acres | Two Adjacent Parcels | Interlachen Lakes Estates | Putnam County, Florida
No HOA · R-2 Zoning · Mobile & Site-Built Homes Permitted · Low Annual Taxes · Easy Owner Financing Available
Property Type
Vacant Residential Land - Two Contiguous Lots
Subdivision Interlachen Lakes Estates
Location Interlachen, Putnam County, FL 32148
Total Size: ±0.44 Acres (two standard 75' × 125' lots combined)
Apn: 125-09-24-4075-1080-0050Apn 225-09-24-4075-1080-0040
Legal Description: Interlachen Lakes Estates, Sec. 25, Twp. 9S, Rng. 24E, Blk. 1080, Lots 0040 & 0050
Zoningr-2 Residential - mobile, modular, and site-built homes permitted
Annual Taxes$135.75 (both parcels combined)
HOA / Poa: None
GPS Center: 29.676742, -81.859350
Cash Price: $10,999
Owner Financing: $245 down + $250 document fee, then $245/Month for 60 months
Nearest Town: Interlachen, FL (approx. 1-3 miles)
Pricing Options
Option 1 - Cash Purchase: $10,999
Pay in full today and own this double lot free and clear. No monthly obligations, no financing fees, no interest - just a clean deed in your name and a piece of Florida you own outright. This is the best overall value.
OPTION 2 - Owner Financing (No Credit Check Required)
Down Payment: $245
Document Fee: $250 (one-time, non-refundable)
Monthly Payment: $245 per month
Term: 60 months (5 years)
No credit checks. No income verification. No bank approval needed. Simply put $245 down, pay the one-time $250 document fee, and make 60 easy monthly payments of $245. Once all payments are complete, a clear deed is delivered directly to you. This option puts land ownership within reach for virtually anyone who wants a piece of Florida without having to navigate traditional mortgage financing.
Annual Property Taxes: Just $135.75 per year for both parcels combined - one of the lowest carrying costs you will find anywhere in the state of Florida.
Property Overview
This is a rare double-lot opportunity in the heart of Interlachen Lakes Estates, one of Putnam County's most beloved and well-established rural subdivisions in northeastern Florida. Two side-by-side parcels - APN 25-09-24-4075-1080-0040 and APN 25-09-24-4075-1080-0050 - are being offered together, delivering a combined footprint of approximately 0.44 acres of flat, wooded, and buildable land at a price that is hard to beat anywhere in the Sunshine State.
Standard lots in Interlachen Lakes Estates are platted at approximately 75 feet wide by 125 feet deep. With two contiguous lots, you receive roughly 150 feet of combined frontage and 125 feet of depth - giving you nearly double the space of a single standard lot and far more flexibility than most buyers at this price point can find. Whether you want room for a home plus a garage, an outbuilding, a garden, a small orchard, or simply a comfortable buffer from neighboring properties, this double-lot configuration delivers.
Interlachen Lakes Estates is a well-known residential subdivision that has been platted and partially developed for decades. Homes, manufactured housing, and vacant parcels exist throughout the subdivision, giving the area a settled, established feel without the restrictions and dues of a homeowners association. There is no HOA here, no Poa, no deed restrictions policing the color of your mailbox or the style of your home. Build what you want, when you are ready, at your own pace.
The name Interlachen is widely believed to derive from the Scottish term meaning "between the lakes," and no label could be more fitting. The town and its surrounding communities sit in the midst of one of Florida's most lake-rich landscapes, with dozens of freshwater lakes within a short drive - or in some cases, a short walk - of this property. Bass fishing, kayaking, canoeing, swimming, and simply enjoying a lake sunset are everyday possibilities when you own land in this part of Putnam County.
Lot Size, Terrain, And Vegetation
Each individual lot in this listing measures approximately 75 feet by 125 feet, or about 9,375 square feet (roughly 0.22 acres) per parcel. Together, the two contiguous lots provide approximately 18,750 combined square feet, or about 0.44 acres total. These dimensions are consistent with the standard platted lot size throughout Interlachen Lakes Estates and are verified against county appraiser records. As with any vacant parcel, buyers who wish to establish precise legal boundaries are encouraged to engage a licensed Florida land surveyor before or after purchase.
The terrain is characteristically flat to gently rolling, consistent with the broader north-central Florida landscape in which the property sits. Native Florida vegetation covers the land, likely including a natural mix of slash pine, scrub oak, cabbage palm, gallberry, and Florida holly - the kind of low-maintenance native cover that provides privacy screening, natural shade, and the authentic Old Florida feel that people come to this part of the state specifically to find. This natural growth means there is no urgency to landscape or improve the land immediately. It stands on its own as an attractive, private parcel until you are ready to develop.
The road network throughout Interlachen Lakes Estates consists of both paved and unpaved (dirt and gravel) county roads. Standard passenger vehicles can typically navigate the subdivision roads without difficulty, though buyers planning to visit the property are encouraged to drive during daylight hours and to use the GPS coordinates provided in this listing for precise navigation.
Gps Coordinates - Find Your Land
The following coordinates allow you to locate the property precisely using Google Maps, Apple Maps, Waze, or any Gps-Enabled device. Simply enter the center coordinates as your destination, and your navigation app will route you directly to the lot.
Corner / Reference Point Latitude Longitude
Center (approximate) 29.676742° N81.859350° W
Northwest Corner: 29.676944° N81.859533° W
Northeast Corner: 29.676950° N81.859161° W
Southwest Corner: 29.676547° N81.859533° W
Southeast Corner: 29.676553° N81.859150° W
To navigate directly: open your mapping app, tap the search bar, and type or paste 29.676742, -81.859350. The pin will drop at the approximate center of the combined double lot. You can then switch to satellite view to observe the surrounding tree canopy, road access, and neighboring parcels before making the drive. We strongly encourage all interested buyers to visit the property in person before purchasing.
Zoning And Permitted Uses
The property is zoned R-2 (Residential Two-Family) by Putnam County, Florida. This is one of the most versatile and buyer-friendly residential zoning designations in the county, and it permits a broad range of residential uses including:
Site-built single-family homes - traditional stick-built or concrete block construction
Modular homes - Florida-modular or Hud-Code manufactured housing on a permanent foundation
Mobile homes (single-wide and double-wide) - permanent installation required, HUD standards apply
Two-family / duplex structures - subject to setback and minimum lot size requirements
Accessory structures - garages, carports, storage sheds, workshops, and outbuildings
Gardens, orchards, and small-scale agricultural activities
There is no time limit imposed on when you must build. You may purchase the land today, hold it for months or years, and develop when you are financially and personally ready. This flexibility makes the property an excellent investment and a genuine land-bank option for buyers who want to secure their foothold in Florida now and build later.
Minimum home size for habitable structures in R-2 is 700 square feet. Tiny homes that comply fully with the current Florida Building Code may also be permitted - verify current standards with Putnam County Planning and Zoning at before designing. RVs may be used for temporary stays under specific conditions (see county zoning regulations for limits and permit requirements).
Always confirm zoning rules, setback requirements, and permitted uses directly with Putnam County prior to purchase, as regulations can be updated.
Utilities
Electric: Clay Electric Cooperative provides electrical service throughout the Interlachen area. Power lines run along many roads within Interlachen Lakes Estates. Contact Clay Electric at to confirm service availability and connection requirements for these specific parcels.
Water: A private well will be needed for water service at this property. The Floridan Aquifer System underlies this entire region and is recognized as one of the most productive freshwater aquifers in the world, providing reliable, high-quality groundwater throughout Putnam County. Well drilling is a routine process in this area. Contact the Putnam County Health Department for current permitting requirements.
Sewer/Septic: No public sewer connection is available at this location. A permitted septic system will be required. Putnam County regulates septic installation; contact the county health department for sizing requirements, setback rules, and permitting costs.
Gas: No natural gas pipeline service is available in this area. Propane (LP gas) service is widely used and available from multiple regional providers.
Solid Waste: Garbage collection is managed through the Putnam County Solid Waste Department at.
Buyers should contact each relevant utility provider independently to confirm availability, connection timelines, and costs specific to these parcels before purchasing.
About Interlachen And The Surrounding Area
Interlachen is a small, historic community of approximately 1,500 residents in Putnam County, incorporated in 1888 and located about 16 miles west of Palatka along State Road 20. The town's name is widely believed to come from the Scottish Gaelic expression for "between the lakes" - and the surrounding landscape proves that name is entirely justified. Dozens of natural freshwater lakes are scattered across the Interlachen area, making it one of the most lake-dense communities in all of Florida.
In its heyday during the late 1800S and early 1900S, Interlachen was a flourishing winter tourist destination and citrus-growing hub, attracting visitors from across the country with its mild winters, scenic lakes, and small-town charm. That charm is alive today. Interlachen offers a post office, public library, local grocery and convenience stores, gas stations, churches, Interlachen Elementary School, Interlachen High School, and several local restaurants - including the popular Hog Wild Country Cafe at 888 County Road 310. The Interlachen Museum, housed in the historic 1892 Interlachen Hall at 215 Atlantic Avenue, is open Saturdays from 10 a.m. to 2 p.m. and offers a fascinating window into the town's history.
For expanded services, Palatka - the Putnam County seat - is approximately 16 miles to the east along Sr-20 and provides a full range of retail, medical, and professional services, including Palatka Mall, multiple hospitals and urgent care facilities, big-box retail stores, and a historic waterfront downtown district on the St. Johns River.
Nearby Lakes And Outdoor Recreation
Owning land in Interlachen Lakes Estates means you live within easy reach of some of North Central Florida's finest natural recreation. The following lakes and outdoor destinations are all within a short drive or in some cases within walking distance of this property:
Nearby Lakes:
Lake Virginia, Church Lake, Jewel Lake, Lake Grandin, Clearwater Lake, Flamingo Lake, Silver Lake, Hart Lake, Perch Lake, Junior Lake, Mirror Lake, Hubbard Pond, Faye Lake, Sand Hill Pond, Lake Lucy, Boll Green Lake, Lake Galilee, and many more. Whether you are a bass fisherman, a kayaker, a swimmer, or someone who simply wants to watch an orange Florida sunset reflected off still water, this lake country has you covered.
Etoniah Creek State Forest - Located approximately 10 miles away near Florahome (390 Holloway Rd / 23051 NE 228th St, Florahome, FL 32140), this expansive state forest offers miles of marked trails for hiking, horseback riding, and mountain biking through Florida scrub ecosystems. The forest is home to rare plants, white-tailed deer, Florida black bear, gopher tortoises, and outstanding birdwatching opportunities.
Rodman Reservoir (Lake Ocklawaha) - One of Florida's premier largemouth bass fisheries, located approximately 15 miles southwest of Palatka on the Ocklawaha River. The reservoir spans roughly 9,500 acres, stretches about 15 miles in length, and consistently produces trophy-class bass. Anglers travel from across the country to fish here, and it regularly hosts competitive bass tournaments.
Ravine Gardens State Park - Located in Palatka (1600 Twigg St, Palatka, FL 32177), this 59-acre state park is listed on the National Register of Historic Places. The park features dramatic natural ravines carved by ancient spring activity, lush botanical gardens, and scenic hiking trails through a landscape unlike anything else in Florida.
Ocala National Forest - A short drive to the southwest, the Ocala National Forest is one of the largest national forests east of the Mississippi River. It encompasses hundreds of thousands of acres of Florida scrub, longleaf pine, and wetlands, with world-class recreational opportunities including the Juniper Springs canoe run, Alexander Springs, Salt Springs, Silver Glen Springs, the Florida National Scenic Trail, and extensive opportunities for camping, off-highway vehicle recreation, hunting, and fishing.
St. Johns River - The legendary northward-flowing St. Johns River, one of only a handful of rivers in North America that flows north, is accessible from multiple points in Putnam County. The river offers outstanding bass and crappie fishing, scenic boat tours, world-class birding, and a rich natural and cultural history.
Lake LaGonda Park (Interlachen) - A local community gem right in Interlachen, featuring a fishing dock, playground equipment, walking trails, and picnic facilities at 100 Lakeside Dr, Interlachen, FL 32148.
Royal Manor Winery - A local Interlachen winery offering tastings and tours in a relaxed, scenic setting unique to this region of Florida.
Regional Proximity
Destination Approximate Distance Approximate Drive Time
Interlachen town center1-3 miles5-10 minutes
Palatka (county seat)16 miles22-23 minutes via Sr-20
Eastgainesville28 miles33-37 minutes via Sr-20
Westocala42 miles46-52 minutes via Us-301 North + Sr-20
St. Augustine~50 miles~55 minutes via Us-17
Northjacksonville~75 miles~1 hour 15 minutes via Sr-100 + I-95
Daytona Beach~70 miles~1 hour 15 minutes
Orlando~98-121 miles~2 hours via Florida's Turnpike / Us-17
Key Highlights - Why This Property
Double-lot package. At approximately 0.44 acres, this combined parcel gives you nearly twice the usable space of a standard single lot in this subdivision, with roughly 150 feet of street frontage. More space means more options - a larger home footprint, room for outbuildings and parking, more privacy from neighbors, or the potential to eventually sell one lot separately.
R-2 zoning with broad permitted uses. Mobile homes, modular homes, site-built homes, and accessory structures are all permitted. There is no time limit to build and no HOA to answer to.
Exceptional affordability. At $10,999 cash, this double-lot package represents outstanding value in a state where land prices have risen sharply over recent years. The annual property tax burden is just $135.75 per year - a carrying cost so low that holding this land is virtually free compared to any other real estate investment vehicle.
Owner financing available - no credit check. At just $245 down plus a $250 document fee and $245 per month for 60 months, you can begin building equity in Florida real estate today regardless of your credit history or financial background.
Lake country living. Interlachen Lakes Estates is surrounded by some of the finest freshwater lake recreation in the state. Bass fishing, kayaking, canoeing, swimming, and wildlife watching are right outside your door.
Central Florida location. Less than 40 minutes from Gainesville and the University of Florida, less than an hour from Ocala, and approximately two hours from Orlando and its international airport.
Established subdivision. Interlachen Lakes Estates has existed for decades and is a recognized, platted subdivision with county road access, a known legal description, and clear title history.
Outdoor recreation. Etoniah Creek State Forest, Rodman Reservoir, Ravine Gardens State Park, and the Ocala National Forest are all within an easy drive, offering virtually unlimited opportunities for hiking, fishing, paddling, and exploring natural Florida.
Due Diligence - What Buyers Should Know
We encourage all prospective buyers to conduct thorough independent research before purchasing. This listing is provided to the best of our knowledge, but buyers are responsible for verifying all information to their own satisfaction.
Recommended due diligence steps:
Contact the Putnam County Planning and Zoning Division at to verify current zoning classification, permitted uses, setback requirements, and any applicable regulations for your intended development.
Contact the Putnam County Building Department in Palatka for permitting requirements for new construction, manufactured homes, or accessory structures.
Contact the Putnam County Health Department for requirements related to well and septic system installation, including setback distances and permitting.
Contact Clay Electric Cooperative at to confirm electrical service availability and hookup cost for these specific parcels.
Review property records for both APNs at the Putnam County Property Appraiser's Office, 312 Oak Street, Palatka, FL 32177, phone , or online at the county's official property appraiser website.
Engage a licensed Florida land surveyor if you wish to establish precise boundary markers on the ground before or after purchase.
Consult with a Florida real estate attorney if you have any questions about title, deed, or ownership prior to closing.
No survey has been conducted on these parcels by the seller. Lot dimensions stated in this listing are approximate, based on standard subdivision plat records for Interlachen Lakes Estates. Annual tax figures are provided for informational purposes and are subject to change; buyers should confirm current tax obligations with the Putnam County Tax Collector.
Ready to own your piece of Florida? Contact us today at to reserve this double-lot package, ask questions, or arrange your visit. Florida land at this price point - especially a double lot in an established subdivision - moves quickly. Do not miss your window.
Property Summary:
Parcels: 25-09-24-4075-1080-0040 and 25-09-24-4075-1080-0050
Location: Interlachen Lakes Estates, Interlachen, Putnam County, FL 32148
Size: ±0.44 acres (two lots combined)
GPS Center: 29.676742, -81.859350
Zoning: R-2 Residential
Annual Taxes: $135.75 (both parcels)
Cash Price: $10,999
Owner Finance: $245 down + $250 doc fee, then $245/Month × 60 months
HOA: None
Land Maps
Directions to Land
Driving Directions To The Property
Enter 29.676742, -81.859350 into your GPS app to navigate directly. The step-by-step directions below are provided as a supplemental reference from three major Florida cities. These are direct routes - no detours or side trips.
FROM GAINESVILLE, FL (~28 miles | ~33-37 minutes)
Gainesville, home of the University of Florida and the most populous city in North Central Florida, is the closest major city to this property. The drive is straightforward along State Road 20.
Step 1: From downtown Gainesville, head east on University Avenue (SR-26 East / SR-20 East). Follow University Avenue east through the UF campus area.
Step 2: As you leave the Gainesville city limits heading east, University Avenue becomes Hawthorne Road (still SR-20 East). Continue east on SR-20 East through the community of Hawthorne (approximately 15 miles from downtown Gainesville). Hawthorne is the midpoint of this drive and a good landmark to confirm you are on the right route.
Step 3: After passing through Hawthorne, SR-20 East crosses US-301 at the Hawthorne intersection. Continue straight (east) on SR-20 East, crossing into Putnam County.
Step 4: Continue east on SR-20 East past the SR-21 intersection. You are now in the Interlachen area. Watch for subdivision roads running north and south off SR-20 as the highway passes through and around Interlachen Lakes Estates.
Step 5: Use the GPS center coordinates (29.676742, -81.859350) to navigate to the precise lot location within the subdivision. The property lies at approximately 29.677° N latitude, which places it slightly north of SR-20. Total distance from downtown Gainesville is approximately 28 miles. Estimated drive time is approximately 33 to 37 minutes under normal traffic conditions.
FROM OCALA, FL (~42 miles | ~46-52 minutes)
Ocala, the Horse Capital of the World and seat of Marion County, lies to the southwest of the property. The most direct route combines US-301 North with SR-20 East.
Step 1: From downtown Ocala, head north on US-301 North (also signed as NE Pine Avenue or N Magnolia Avenue in Ocala). Follow US-301 North out of the city.
Step 2: Continue north on US-301 North through the communities of Silver Springs Shores, Citra, Sparr, McIntosh, and Micanopy (passing through or near Alachua County border area). US-301 runs fairly straight north through this stretch of Florida horse country and small-town farming communities for approximately 30 miles.
Step 3: At the city of Hawthorne in Alachua County, US-301 intersects SR-20. At this intersection, turn right (east) onto SR-20 East / Hawthorne Road.
Step 4: Follow SR-20 East approximately 12 to 13 miles from Hawthorne into Putnam County and the Interlachen area. You will cross the Alachua-Putnam county line and pass the SR-21 intersection before entering the Interlachen Lakes Estates vicinity.
Step 5: Use the GPS center coordinates (29.676742, -81.859350) to navigate precisely to the lot within the subdivision. Total distance from Ocala is approximately 42 miles. Estimated drive time is approximately 46 to 52 minutes under normal conditions.
FROM ORLANDO, FL (~98 miles | ~2 hours)
Orlando, Florida's tourism capital and one of the fastest-growing metro areas in the Southeast, is located to the south of the property. The most direct route travels north on Florida's Turnpike, then north on US-441 / US-17, then east on SR-20.
Step 1: From downtown Orlando or the Orlando metro area, take Florida's Turnpike North (also marked as SR-91 North). Head north on the Turnpike through the Lake and Marion County areas.
Step 2: Take the exit for US-441 North / US-27 North near Wildwood or Leesburg and continue north on US-441 North. Follow US-441 North through Lady Lake, Candler, and into Ocala if needed, or use the Turnpike further north to I-75 North and then take I-75 North to exit toward Gainesville and SR-20 - but the most direct approach from Orlando to Interlachen avoids Gainesville entirely and uses the following routing:
Step 2 (Alternate - most direct): From the Florida Turnpike North, take the exit toward US-17 North near Sanford or DeLand. Head north on US-17 North through DeLand, Pierson, Seville, Crescent City, and Pomona Park toward Palatka.
Step 3: Continue north on US-17 North to Palatka (approximately 85 to 90 miles from Orlando via this route). In Palatka, pick up SR-20 West at the intersection of US-17 and SR-20 near downtown Palatka.
Step 4: Travel west on SR-20 West from Palatka approximately 16 miles to the Interlachen area and Interlachen Lakes Estates.
Step 5: Use the GPS center coordinates (29.676742, -81.859350) to navigate to the specific lot within the subdivision. Total road distance from Orlando is approximately 98 to 121 miles depending on exact starting point and route choice. Estimated drive time is approximately 2 hours under normal traffic conditions.
Note for all visitors: The roads within Interlachen Lakes Estates vary between paved and unpaved. Most unpaved subdivision roads are well-graded and accessible by standard passenger vehicles, but we recommend visiting during daylight hours so you can clearly see road conditions and lot boundaries. Always confirm your position against the GPS coordinates provided.
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