Land for Sale in Florida
We have 14 owner-financed lots for sale in Florida right now, in Ocala, Ocklawaha, Lake Wales, Indian Lake Estates, Satsuma, White Springs, and Milton, from $164 a month. No credit check, and the deed is in your name at closing.
All 14 lots are listed first. Below them is a buying guide to Florida land, worked out from those same lots.
Land for sale in Central Florida
11 lotsOcala, FL7 lots
Land for sale in Ocala, FL
Wooded 0.23-Acre Lot 9 in Ocala, FL — Site-Built & Modular Homes, No HOA
Wooded 0.23-Acre Lot 8 in Ocala, FL — Site-Built & Modular Homes, No HOA
Wooded 0.24-Acre Mobile Home Lot in Ocala, FL — Paved Road Near SR-40
Wooded 0.26-Acre Mobile Home Lot in Ocala, FL — Paved Road Near SR-40
0.24-Acre Residential Lot in Ocala, FL — Site-Built Homes, Near World Equestrian Center
Wooded 0.46-Acre Lot in Ocala, FL — Near Rainbow River & Equestrian Center
0.50-Acre Mobile Home Lot in Ocala, FL — Paved Road, Power at the Road, Near Hwy 40
Ocklawaha, FL2 lots
Land for sale in Ocklawaha, FL
Wooded 0.48-Acre Lot in Ocklawaha, FL — Paved Road, Site-Built Homes, Near Lake Weir
0.37-Acre Corner Lot in Ocklawaha, FL — Paved Road, No HOA, Near Lake Weir
Lake Wales, FL1 lot
Land for sale in Lake Wales, FL
Land for sale in North Florida
3 lotsSatsuma, FL1 lot
Land for sale in Satsuma, FL
White Springs, FL1 lot
Land for sale in White Springs, FL
Buying land in Florida
What we'd want to know before buying land here. The numbers come from the lots above and change when a lot lists or sells.
How much is an acre of land in Florida?
It depends mostly on lot size. Across our 13 lots, price per acre runs from $7,800 to $66,300, and the middle lot works out to about $42,600 an acre. Big rural parcels cost far less per acre than small lots near town, even when the total price is higher. One lot under 0.2 acre is left out of that range, because a very small lot makes the price per acre jump. It is still in the table.
| Area | Lot sizes | Price per acre |
|---|---|---|
| White Springs, FL Hamilton County, FL | 5.75 ac | $7,800 |
| Lake Wales, FL Polk County, FL | 0.14 to 0.50 ac | $15,000 to $177,900 |
| Ocala, FL Marion County, FL | 0.23 to 0.50 ac | $27,000 to $66,300 |
| Milton, FL Santa Rosa County, FL | 0.54 ac | $33,100 |
| Satsuma, FL Putnam County, FL | 0.22 ac | $33,600 |
Where is the cheapest place to buy land in Florida?
Among the lots we have now, the lowest cash price is $7,400, in Putnam County. 4 lots are under $10,000. Every one of them can be owner financed.
- Wooded 0.22-Acre Corner Lot in Satsuma, FL — Mobile Homes Allowed, No HOA$7,400 cash or $164/mo
- Spacious Half-Acre Lot in Indian Lake Estates, FL — Established Golf Community$7,500 cash or $166/mo
- Wooded 0.23-Acre Lot 9 in Ocala, FL — Site-Built & Modular Homes, No HOA$9,800 cash or $217/mo
Best places to buy land in Florida
These are the places we have lots in today. Each one opens its area guide, with the zoning, the taxes and every lot there.
- Ocala, FL9 lots, from $217/mo
Marion County, FL. Ocala and Ocklawaha, in the horse country around the World Equestrian Center.
- Lake Wales, FL2 lots, from $166/mo
Polk County, FL. Indian Lake Estates, an established golf community in Central Florida.
- White Springs, FL1 lot, from $710/mo
Hamilton County, FL. Rural North Florida along US 41, near White Springs.
- Satsuma, FL1 lot, from $164/mo
Putnam County, FL. Lots listed here now, owner financed.
- Milton, FL1 lot, from $396/mo
Santa Rosa County, FL. Milton, in the Florida Panhandle near Blackwater Bay.
How to buy land in Florida
- Pick a lot and one of its three down payment options. The lot page shows all three, with the monthly payment for each.
- Reserve it by calling or sending the form. There is no credit check.
- Sign the paperwork electronically and pay the down payment.
- A licensed title company handles the closing and records the deed in your name.
- Make your fixed monthly payment until the balance is paid. You can pay it off early with no penalty.
The terms
- Three down payment options on every lot, starting at 10%
- 5-year term under $50,000, 8-year term at $50,000 and up
- 10% to 12% interest, depending on the option you pick
- Closing costs usually $800 to $1,500
- No prepayment penalty
What you can build
Each county sets its own zoning, and the same code can mean different things in different counties. These are the zoning districts on our lots today and what each one allows. The lot page has the full rules for that lot.
- Marion County, FLMarion County code
- R1Mobile homes not allowedSource: Marion County LDC §4.2.9
- Modular Homes (State-Approved)
- Site-Built Homes
- RV Use (Conditions Apply)
- R4Mobile homes allowedSource: Marion County LDC §4.2.12
- Modular Homes (State-Approved)
- Site-Built Homes
- RV Use (Conditions Apply)
- R1Mobile homes not allowedSource: Marion County LDC §4.2.9
- Polk County, FLPolk County code
- R1CMobile homes not allowedSource: Lot brochure, Sept 2026
- Site-Built Homes
- RV Use (Conditions Apply)
- RMobile homes not allowedSource: Lot brochure, Sept 2026
- Modular Homes (State-Approved)
- Site-Built Homes
- RV Use (Conditions Apply)
- R1CMobile homes not allowedSource: Lot brochure, Sept 2026
- Hamilton County, FLHamilton County code
- A4Mobile homes allowedSource: Hamilton County LDR §4.5
- Modular Homes (State-Approved)
- Site-Built Homes
- RV Use (Conditions Apply)
- A4Mobile homes allowedSource: Hamilton County LDR §4.5
- Putnam County, FLPutnam County code
- R2Mobile homes allowedSource: Lot brochure, Sept 2026
- Modular Homes (State-Approved)
- Site-Built Homes
- RV Use (Conditions Apply)
- R2Mobile homes allowedSource: Lot brochure, Sept 2026
- Santa Rosa County, FLSanta Rosa County code
- R1Mobile homes not allowedSource: Lot brochure, Sept 2026
- Modular Homes (State-Approved)
- Site-Built Homes
- RV Use (Conditions Apply)
- R1Mobile homes not allowedSource: Lot brochure, Sept 2026
Taxes, flood zones and HOA fees
Every lot page lists its own tax, flood zone and HOA figures.
- Property tax
- The middle lot pays about $219 a year. 11 of the 11 lots with a tax figure pay under $400.
- Flood zone
- 12 of 14 lots are in Zone X, FEMA's moderate-to-minimal risk category. The rest are in Zone A and Zone AE, which the lot page flags.
- HOA
- 13 of 14 lots have no HOA fee.
Common questions
Where is land the cheapest in Florida?
In our inventory right now, Putnam County has the lowest cash price, starting at $7,400. Larger rural parcels also cost much less per acre than small lots near town.
How much does 1 acre of land cost in Florida?
Across our lots it runs from $7,800 to $66,300 an acre, with the middle lot at about $42,600. Size matters most: the bigger the parcel, the lower the price per acre.
Where can I find cheap land in Florida under $5,000?
We don't have a lot under $5,000 right now. Our lowest cash price is $7,400, and with owner financing you can start from $962 down.
Can I buy land for $1,000?
Almost. Our lowest down payment right now is $962, but closing costs are added on top of it, so plan on a bit more than $1,000 to get started. After that you pay monthly, with no credit check.
Can I buy land in Florida with no credit check?
Yes. Every lot we sell is owner financed, so there is no bank and no credit pull. You pick a down payment and make fixed monthly payments.
Can I buy land in Florida directly from the owner?
Yes. We own every lot we sell, so you buy from us directly. A licensed title company handles the closing and records your deed.
Found a lot you like?
Open it to see its three payment options, or talk to us and we'll help you compare.