Listing LD7986
Owner financing

1.48 Acres in Putnam County, FL

Cash price$29,999$399 down / $399/mo
Putnam, FL1.48 acresAPN 31-10-26-0000-8888-1230
1.48 Acres in Putnam County, FL - Image 1
1.48 Acres in Putnam County, FL - Image 2
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Property Description

1.48 Wooded Acres in Putnam County, Florida — Palatka, FL 32177

APN 31-10-26-0000-8888-1230 | Tracts 1230 & 1231

A wooded 1.48-acre parcel in Putnam County, just 9 miles from Palatka and roughly 4 miles from S State Rd 19. Access is via a sandy dirt road recommended for 4x4 vehicles. Zoned Agriculture General, this property offers a manageable, tree-covered lot for a buyer looking to build, homestead, or hold land in central Florida.

Location & Access
The property is accessed via an unnamed dirt road off Pinellas St, on the south side of the parcel, and is maintained by the county. The road surface is sandy, and a 4x4 vehicle is recommended for reliable access. An access easement serves the property; the recorded easement document is held on paper at the Putnam County offices rather than in the seller's possession. Palatka is about 9 miles away (14 minutes), and Palm Coast is roughly 42.7 miles (52 minutes). The nearest gas station, a Circle K, is 4.2 miles away.

Land & Terrain
This 1.48-acre lot is wooded, sitting at an elevation of about 26.2 feet. The property is not located in a flood zone, with minimal wetlands present. It sits in unincorporated Putnam County, within the Putnam County School District.

Zoning & Use
Zoned Agriculture General (AG). Building permits are valid for 180 days from issuance and can be extended following inspection. Camping is permitted for up to 120 days per calendar year, with no stay exceeding two consecutive weeks. Recreational RV camping is not currently permitted by Putnam County; RVs are only allowed on-site in connection with active construction under a valid building permit. Mobile homes are allowed if built in 1976 or later, and tiny homes are permitted with no minimum size requirement, provided they meet applicable building codes. There is no HOA or POA associated with this property.

Utilities
This is an undeveloped parcel with no utilities currently in place:

Water: No well present; drilling required.
Sewer/Septic: None; a septic system must be installed. Putnam County Public Works confirms no water or sewer service is available to the property.
Electric: Available through Clay Electric Cooperative.
Gas: No natural gas lines; propane service available through Courtesy Gas or Sam's Gas.

Title & Legal
Title will convey via Special Warranty Deed. An access easement affects the property; the recorded document is on file at the county office. The property has not been surveyed; boundaries are based on the recorded legal description and available lot dimension data.

Taxes
Annual property taxes are $189.10, and the account is current with no back taxes or liens.

Nearby Attractions

Caravelle Ranch Wildlife Management Area — 5.6 miles
Ravine Gardens State Park — 7.7 miles
St Johns River Center — 9.4 miles

Why This Parcel
At just under 1.5 wooded acres with AG zoning, county road access, and no HOA, this property offers a straightforward entry point into Putnam County land ownership — well suited to a future homesite, camping retreat within county limits, or long-term hold. Buyers should plan for well, septic, and standard site development, as no utilities currently serve the parcel.

Buyers are encouraged to independently verify zoning, utility access, easement terms, and any other property details prior to purchase.

1.48
Acres
64,469
Square feet
Parcel number (APN)
31-10-26-0000-8888-1230
GPS Coordinates (Center)
29.578048, -81.731090
Parcel Boundaries
P1: 29.578475, -81.730723 P2: 29.577642, -81.730685 P3: 29.577619, -81.731570 P4: 29.578456, -81.731383
4 boundary points.
County
Putnam
State
FL
Property Location

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GPS Coordinates

29.578048, -81.731090

Owner Financing Options

Owner financing terms are set by the seller. Ask about qualification.

Months
1 Month106 Months

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$
$399 (min)$42,693

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This is the minimum down payment for this property

Your Monthly Payment

$399/mo

Owner-financed price

$42,693

Interest Rate

0.00%

Document Fee

$299

Term Length

106 months

Total of Payments$42,294
Total Cost$42,992

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Financing availability, credit requirements, approval timing, payment flexibility, and ownership transfer details can vary by seller and property. Review the listing and agreement before moving forward.

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Listed By
Holly Oaks Land

Contact: Kim Sumner

My name is Kim Sumner, and I started Holly Oaks Land from one of the hardest seasons of my life — real financial uncertainty, at the same time my family was facing serious health challenges. We got through it together. And on the other side, one thing stood out above everything else: legacy isn't about money. It's about what you leave when you're gone. That’s the reason this company exists. A lot of hardworking families have been told, in a hundred small ways, that real ownership is for someone else — people with better credit, bigger savings, the right connections. So they rent. They wait. They watch land prices climb and wonder if they already missed their chance. We built something different. A land company that doesn’t care what your credit score says, with a process simple enough to close on your own land this weekend. You’ll talk to us directly — not a call center. And when you close on your land, we feel it too, because we know what that deed in your name really means. It means nobody can take it from you. If any of this sounds familiar — if you’ve felt shut out or told to wait your turn — we built this company for you.

Interested in This Property?

Submit an offer and we'll get back to you promptly to discuss the details.

Important Disclaimer:

Buyers are responsible for conducting their own due diligence, including but not limited to: verifying property boundaries, utilities availability, zoning restrictions, access rights, and any HOA requirements. We recommend visiting the property in person and consulting with professionals before making a purchase decision. All information provided is believed to be accurate but not guaranteed.

$29,999

Owner financing: $399 down / $399/mo

Holly Oaks Land

Holly Oaks Land

Kim Sumner
All Holly Oaks Land Listings

Cash price

$29,999

$399/mo