Own A 1.15-Acre No HOA Lot In FL, Near Local Lakes - Owner Financing

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Dear Land Buyer,

Are you looking for more than an acre in Florida without HOA dues, crowded subdivisions, or another committee telling you what you can do with your property?

-Hold it now for just $50. Owner financing available.

This property is for you if you want a rural residential lot with road access, electricity available nearby, and a lot that allows mobile homes.

It is not for you if you need paved roads or public water and sewer.

Here is what you are getting.

1.15 acres in Jackson County, Florida.

No HOA.

Residential zoning.

Public road access.

Electricity available for connection.

And a location near local lakes.

Let's break down why each of those details matters.

There is no HOA.

That means no monthly HOA dues, no HOA board, and no separate HOA approval process.

You will still need to follow Jackson County rules and other applicable regulations, but there is no private association adding another layer of cost and oversight.

Buyers often look in this area because it offers more land, lower housing density, and a simpler rural setting than many of Florida's larger cities and coastal markets.

You are not paying for a crowded neighborhood or a long list of shared amenities you may never use.

The property is zoned residential.

Based on current research, the zoning allows single-family homes and double-wide mobile homes.

That gives you more than one residential option to choose from if you want to build.

But it does not mean every plan is automatically approved.

Setbacks, permits, septic approval, site conditions, minimum size requirements, and other county rules may apply, so please confirm your intended use directly with Jackson County before making plans.

The property is accessed by a public dirt road.

That means you don't have to go through a neighbor's property to access the lot.

Electricity is available for connection to the property.

A private well and septic system will need to be installed.

The property has slopes ranging from approximately 0% to 8%.

In practical terms, the land ranges from mostly level to moderately sloping.

That may make portions of the property easier to walk and evaluate than steep land, but buyers should inspect the parcel and determine whether the terrain fits their intended plans.

The vegetation includes upland pine flatwoods and sandy scrub.

Clearing, grading, or other site preparation may be needed depending on how you plan to use the property.

Available mapping does not show the parcel within a mapped special flood hazard area.

That matters because high-risk flood designations can create additional insurance, drainage, and site planning costs.

Here you are getting 1.15 acres with flexible zoning, public road access, electricity available for connection, no HOA, and proximity to local lakes.

But here's the thing.

It's getting harder to find all five of these things together on the same parcel.

So if this sounds like a good fit, Buy to purchase the property, or Hold to secure it while you complete your review.

Note: All information is based on independent research. Buyers should confirm zoning, access, and utility availability directly with the county before making plans. This property was purchased in a tax sale.

A one-time document preparation fee is paid upfront at closing and covers deed preparation, recording, and administrative costs.

LOT BREAKDOWN: WHAT YOU'RE GETTING

Assessor's Parcel Number: 02-2N-11-0084-0640-0080

Legal Description: Please email us for a full metes and bounds description

Elevation: 83

GPS Center Coordinates (Approx.): 30.6006, -85.3031

Annual Taxes: ~$76.89

Zoning: Residential

Time Limit To Build: None as far as we are aware

Access: Dirt Road

Power: We recommend that you contact Jackson County to confirm, but according to our research, electricity is available for connection to the property

Water: A well would need to be installed

Sewer: A septic system would need to be installed

Official Contacts: Please contact Jackson County

RVs Allowed?: We recommend that you contact Jackson County to confirm, but, according to our research, a temporary RV is allowed during the construction of a primary home with the required building permit

Buildable?: Because we do not know the specifics of what you may want to build on the property, we recommend that you contact the building and/or zoning department(s) for more information on the relevant zoning and building regulations and how to obtain a building permit

Survey Available?: No, we have not had a survey commissioned, but if you would like to pay for a survey we would be happy to work with your chosen surveyor

In HOA?: No HOA

Annual HOA Dues: ~$0.00