Land Deal You Can't Ignore
Shappell Ave : Interlachen, FL 32148
Putnam County, Florida
Lot Description
Are you tired of paying rent every month and having nothing to show for it? What if you could take that same monthly payment and put it toward land you actually own? This wooded 0.43-Acre lot on Shappell Avenue in Interlachen, Florida gives you a real chance to do just that. For less than $300 a month, you can start building toward something real - a piece of ground with your name on it, in a quiet part of Florida where land is still affordable and life moves at a slower pace. No banks. No credit checks. No jumping through hoops. Just simple, straightforward owner financing from a family-owned company that makes it easy for everyday people to own land.
Pricing Options
- Owner financing: $250 doc fee (nonrefundable) + $500 down + $285/Month for 84 months
- Discounted cash price: $16,900 + $250 doc fee (nonrefundable)
This vacant, wooded lot sits in Interlachen Lakes Estates, Unit 16, a platted residential subdivision in Putnam County, Florida. The land is undeveloped and covered in natural Florida trees and vegetation, sitting at a comfortable elevation of about 183 feet above sea level. It measures roughly 124 by 150 feet and totals 0.43 acres - plenty of room to build the kind of quiet life you have been working toward. Power poles and lines are already visible along Shappell Avenue, which means electrical service is within reach. The property has direct road access from Shappell Avenue and no flood zone or wetland issues.
Key Property Features:
• 0.43 acres of wooded, vacant land in Putnam County, Florida
• Direct road frontage on Shappell Avenue with clear access
• Elevated lot at 183.5 feet - no flood zone, no wetlands
• Power poles visible along the road for future electrical hookup
• GPS Center: 29.67215, -81.85729
• Apn: 36-09-24-4075-1290-0070
Future Development Options:
• Mobile homes and manufactured homes are allowed under R-2 zoning
• Single-family homes are a permitted use
• Tiny homes allowed as a single-family dwelling per county rules
• Well and septic can be installed to bring the lot to full use
• Short-term vacation rentals allowed per county (with restrictions)
Financing Benefits:
• No bank needed - we are the lender
• No credit check required
• Low $500 down to get started
• No prepayment penalty - pay it off early and save
Ready to stop letting your money disappear into someone else's pocket? Contact us today to lock in your spot on this property. We make the process simple and transparent. Our team is here to answer every question you have and walk you through each step. Do not wait - affordable land like this moves fast.
Think about where you want to be in five to seven years. Maybe you are still renting right now, watching prices go up and feeling like you are running in place. This lot gives you a way out of that cycle. For about $285 a month - money you are probably already spending on things that disappear - you can be building toward something you actually own. When the land is paid off, it is yours free and clear. Then you can move forward on your own terms.
A Future Home Site You Can Plan Around:
One of the biggest reasons people like you are drawn to this property is simple - it is zoned for mobile homes. Putnam County allows mobile and manufactured homes in this R-2 zoning district, and that opens the door to a real plan. Once the land is paid off, you can bring in a mobile home and have a place that is truly yours. No landlord. No lease. No one telling you what you can and cannot do on your own property. Neighbors are nearby but not on top of you. The wooded setting gives you natural privacy without being miles from everything you need.
• Zoned R-2, which allows mobile homes and manufactured homes
• Plenty of room on 0.43 acres for a comfortable home setup
• Power lines are already along the road - one big step already done
• A well and septic system can be added when you are ready to build
• Build at your own pace with no pressure from us
A Solid Investment That Grows With You:
A lot of people think of land as something only rich people buy. That is not true anymore. This property is priced so that a regular person with a steady income can own it. You are not gambling here. Land in Florida does not disappear. It does not crash to zero. It sits there and holds value while you pay it down like a forced savings account. Every payment you make brings you closer to owning something outright. And unlike money sitting in a bank account earning almost nothing, this land is a real, physical asset you can pass on to your kids one day.
• Low annual property taxes - only about $145 per year
• Land value assessed at $8,090 - you are buying below or near market
• No HOA dues found for this subdivision
• Owner financing means no bank fees, no loan origination costs
• Pay it off early anytime with no prepayment penalty
A Quiet Escape Not Far From Everything:
Some buyers just want a place they can point to on a map and say, that is mine. This lot gives you that - a peaceful, wooded slice of Florida in a quiet residential area. It is not a busy neighborhood, but it is not in the middle of nowhere either. Nearby homeowners have built lives here, and you can see from the aerial images that homes and mobile homes are already established in the area. This land is undeveloped and cannot be lived on while you are still paying with owner financing, but it is the kind of place you will enjoy visiting and planning around.
• Wooded and private feeling with trees throughout the lot
• Quiet subdivision streets with low traffic
• Neighbors have already established homes nearby - a real community
• Just minutes from the nearest gas station and small-town services
• A peaceful part of Florida that has not been overrun with development
The town of Interlachen is about 5.5 miles away, roughly a 12-minute drive. It is a small Florida town where you can grab everyday essentials without a long trip. The nearest gas station is an Exxon on Main Drive in Interlachen, just 2.6 miles from the property - about a 6-minute drive. For bigger shopping trips or medical needs, Gainesville is about 33 miles away, or roughly a 43-minute drive. Gainesville is home to the University of Florida and offers a full range of stores, hospitals, restaurants, and services. Palatka is even closer in the other direction and sits along the St. Johns River with its own set of shops and services.
Nearby Communities and Services:
• Interlachen, FL - 5.5 miles away, about 12 minutes
• Exxon gas station - 2.6 miles away, about 6 minutes
• Gainesville, FL - 33.4 miles away, about 43 minutes
• Palatka, FL - approximately 20 miles away along Fl-20
• Putnam County schools serve this area
Regional Recreation Opportunities:
• Ravine Gardens State Park in Palatka - 17.2 miles away, about 28 minutes
• Ponce de Leon Fountain of Youth Archaeological Park in St. Augustine - 49.3 miles away
• Lightner Museum in St. Augustine - 48.5 miles away
• Numerous lakes and waterways throughout Putnam County for fishing and boating
Transportation and Accessibility:
• Fl-20 is the nearest highway, providing easy east-west travel
• Shappell Avenue provides direct dirt-road access to the property
• Gainesville Regional Airport is under an hour away
• The area is car-dependent, so a vehicle is needed for daily life
Cost of Living Benefits:
• Florida has no state income tax
• Property taxes on this lot are only about $145 per year
• Interlachen and Putnam County offer a much lower cost of living than most of Florida
• Rural setting means less congestion and a slower, simpler pace of life
Here is a full breakdown of everything you need to know about this property:
Essential Property Details:
• Address: 220 Shappell Ave, Interlachen, FL 32148
• Parcel Size: 0.43 acres
• Terrain: Wooded, vacant, undeveloped
• Elevation: 183.5 feet above sea level
• Lot Dimensions: 124.22 ft North, 149.37 ft East, 127.04 ft South, 152.14 ft West
• GPS Center: 29.67215, -81.85729
• County: Putnam County, Florida
Zoning and Development Information:
• Zoning: R-2, Residential Two-Family
• Permitted uses include single-family homes and mobile or manufactured homes
• Tiny homes allowed as a single-family dwelling
• Building permits are valid for 180 days and can be extended
• Short-term vacation rentals allowed with county restrictions
Utilities and Infrastructure Requirements:
• Electricity: Power poles visible along Shappell Ave - contact Clay Electric Co-Op Inc at
• Water: A well would need to be drilled
• Sewer: A septic system would need to be installed
• Propane: Contact Amerigas or Suburban Propane
• Trash: Contact Putnam County Solid Waste or Waste Pro - Interlachen
Annual Ownership Costs:
• Annual property taxes: approximately $145.28 per year
• No HOA dues found for this subdivision
Important Restrictions:
• Camping is NOT allowed on this property per county rules
• RVs are NOT allowed per county rules
• Property cannot be lived on while paying with owner financing
• All construction must comply with Florida Building Codes
We are a family-owned company and we believe in being straight with you. We do not add hidden fees or surprise you at the closing table. What you see in this listing is what you get. This property is sold as-is and we encourage you to do your own research. All information shared here comes from public records and our due diligence process. There are no warranties made about future value or development costs. We want you to feel good about this purchase for years to come, and that starts with being honest up front. Owner financing is available with no prepayment penalty, meaning you can pay this off faster if things go well for you - and we will never penalize you for that.
This is your chance to stop renting and start owning. A piece of Florida land, zoned for a mobile home, with low monthly payments and no bank involved - that is hard to find anywhere. Whether your goal is to build a home in the next few years, invest for the future, or simply own something real that your family can count on, this lot on Shappell Avenue is a solid step in the right direction. Spots like this do not sit around for long. Contact us today to reserve this property, ask your questions, and get the process started. We are here to help and we make it simple.
Lot Maps & Attachments
Directions to Lot
Driving Directions (From SR20 in Palatka, FL)
Start Point: SR20 (State Road 20), Palatka, FL
End Point: 220 Shappell Ave, Interlachen, FL 32148 - GPS Center: 29.67215, -81.85729
Total Distance: Approximately 20.5 miles
Estimated Time: Approximately 28 to 32 minutes
1. Start on SR20 (State Road 20) in Palatka, heading west.
2. Stay on SR20 west. You will pass through the small community of Hollister. Continue driving west on SR20.
3. Continue on SR20 for approximately 14 miles from Palatka. You will pass through the Interlachen area.
4. As you reach the town of Interlachen, continue west on SR20 past the main intersection at CR315.
5. After passing through Interlachen on SR20, turn right (north) onto Shappell Avenue. Shappell Avenue is a dirt road. Look for it on your right as you head west out of town. It runs north off SR20 in the Interlachen Lakes Estates subdivision area.
6. Turn right onto Shappell Avenue heading north.
7. Drive north on Shappell Avenue approximately 0.3 to 0.4 miles.
8. The property will be on your right (east side) along Shappell Avenue at GPS coordinates 29.67215, -81.85729. The lot is wooded and undeveloped. Look for the lot between Clifford Street to the north and the area between Clifford Street and the next cross street to the south.
Arrival: Property is located along Shappell Avenue at GPS 29.67215, -81.85729 in the Interlachen Lakes Estates subdivision, Putnam County, Florida.
Access Notes:
- Road surface type: Shappell Avenue is a dirt road. A standard vehicle can typically navigate it in dry conditions.
- Seasonal notes: Dirt roads in this area can become soft or muddy after heavy rain. Use caution during and after rainstorms.
- The property is vacant and wooded. There are no structures on the lot.
- Reminder: Download your maps before you travel. Cell service may be limited in this area.
More Lot Details
More Lots from Joshua Rowe
0.2 AC : $11K- 0.2 AC : $10.7K
- 0.2 AC : $15.5K
- 0.2 AC : $11K
- 0.2 AC : $11K
- 0.2 AC : $11.5K
- 0.4 AC : $13.9K
- 0.5 AC : $9.9K
- 0.3 AC : $16.9K
- 0.2 AC : $10.7K
- 0.2 AC : $10.9K
- 0.2 AC : $11K
