Ernesto called me from Miami wanting one thing — his own buildable acres in Florida, high and dry, no HOA, with room to put up a home and still have land left over to breathe.
Before he picked anything, I sent him the short I send everyone — how owning land with no bank and no credit check actually works. Sixty seconds, worth it before you scroll.
Here is why I am telling you about Ernesto. The lots I pulled for him are real buildable Florida land you can own with owner financing and no credit check. Four of them, spread across North and Central Florida, from a full acre up to four — and down payments start at $499.
If you want to live on the water —
4 Acres in Interlachen's Lake Country — This is the one I had in mind for Ernesto: nearly four high and dry acres in a town ringed by 37 freshwater lakes, with Rodman Reservoir, one of the best bass fisheries in the country, just up the road. Build your home, then add a guest cottage or a rental beside it on the same lot. $1,999 down, $1,423/mo.
Nearly four acres in Interlachen · 37 lakes around town and room for a home plus a second dwelling · $1,999 down.
If you want to farm it, grow it, and live free —
Over an Acre of Farmland in Jennings — Open North Florida ground near the Georgia line where you can put trees in the earth, raise a few animals, and build your home, all on one parcel. The Suwannee River winds through cypress and pine nearby, and there is no HOA to answer to. $499 down, $401/mo.
And in Florida’s cave and spring country —
A Full Acre in Marianna — Buildable today, with paved roads and utilities close by and room for a home, a garden, and a workshop. Florida Caverns State Park, the only walk-through caves in the state, is under five miles away, and Jackson Blue Springs runs clear and cold all year. $749 down, $348/mo.
A full buildable acre in Marianna · walk-through caverns and cold springs minutes away · $749 down.
If you want to hunt camp and hold something that grows in value —
1.6 Acres in Flagler Estates — A longer play, and I want to be straight with you: this one is not buildable yet. But across the road the same land in St. Johns County sells for about three times as much. Right now you can hunt it, camp it, and hold it while that gap closes — deer, turkey, and wild hog move through here regularly, and Palm Coast and St. Augustine are both a short drive. $499 down, $280/mo.
Not sure which one fits your plan? That is what the free Land Intro Call is for. Fifteen minutes, no pressure. We will talk through your budget, whether you want to build now or hold and build later, and which of these makes the most sense for you.
Book a free call → introcall.lotsofsunshine.com
Talk soon,
Kirk