Mobile home lots for sale in Florida, owner financed
Every lot below sits in a zoning district that allows a mobile or manufactured home. The table shows where each answer comes from: the county code, or the lot's brochure where we have not read the code yet.
Lots where the county allows a mobile home
Live inventory. Monthly payment first, cash price second. We own and finance every lot.
Wooded 0.22-Acre Corner Lot in Satsuma, FL — Mobile Homes Allowed, No HOA
5.75-Acre Lot 1 on US 41 in White Springs, FL — Mobile Homes Welcome
Secluded 5.75-Acre Wooded Lot Off US 41 in White Springs, FL
5.75-Acre Lot with US 41 Highway Frontage in White Springs, FL
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
0.13-Acre Buildable Lot in Hudson, FL — Gulf Coast Living, No HOA
0.50-Acre Mobile Home Lot in Ocala, FL — Paved Road, Power at the Road, Near Hwy 40
11.51 Acres in White Springs, FL — North Florida Land, Mobile Homes Allowed
Where a mobile home is allowed, county by county
A mobile home is a factory-built home under the federal HUD code. A manufactured home is the same kind of home built after 1976 and placed on a permanent foundation. Counties treat them differently, so we list both.
| County and zoning | Mobile home | Manufactured home | What the code says | Source |
|---|---|---|---|---|
Marion County, FL R-4 Mixed Residential | Allowed | Allowed | Mobile and manufactured homes are permitted as of right. Minimum lot 7,500 sq ft (5,000 with central water and sewer), setbacks 25 ft front and rear, 8 ft sides. | Marion County LDC §4.2.12 |
Hamilton County, FL A Agricultural | Allowed | Allowed | Mobile, manufactured, modular and site-built homes are allowed. An RV needs a permit, valid 5 years, with a 6-month maximum continuous stay. | Hamilton County LDR §4.5 |
Nye County, NV VR-8 / VR-10 / VR-20 Village Residential | Not allowed | With conditions | A manufactured home is allowed if it is 6 years old or newer when placed, sits on a permanent foundation and is converted to real property. HUD-code mobile homes are not a permitted VR use; homes built before 1976 are banned. | Nye County Code §17.04.820 |
Marion County, FL R-1 Single Family Dwelling | Not allowed | Not allowed | Site-built homes and DCA-approved modular homes only. Minimum lot 10,000 sq ft (7,700 with central water and sewer). | Marion County LDC §4.2.9 |
Pasco County, FL R-1MH Single-Family Residential & Mobile | Allowed | Allowed | Mobile, modular and site-built homes are allowed. An RV needs a lot of 1 acre or more, or a home already built on it. | Lot brochure, Sept 2026 |
Polk County, FL R Residential Single Family | Not allowed | Not allowed | Modular and site-built homes only. An RV may stay on a vacant lot only during construction, up to 1 year after Level 1 Review; after that, parking and storage only. | Lot brochure, Sept 2026 |
Santa Rosa County, FL R1 Residential Single Family | Not allowed | Not allowed | Modular and site-built homes only. An RV may stay only while you build with a permit in hand, up to 1 year, or be parked and stored. | Lot brochure, Sept 2026 |
Polk County, FL R1C Single-Family, Duplex & Accessory Dwelling | Not allowed | Not allowed | Site-built homes only. An RV may stay on a vacant lot only during construction, up to 1 year after Level 1 Review; after that, parking and storage only. | Lot brochure, Sept 2026 |
Putnam County, FL R2 Residential Single-Family | Allowed | Allowed | Modular, site-built and mobile homes are allowed. RVs are not allowed outright, but once a building permit is issued a temporary use permit lets you stay in an RV for up to 6 months. | Lot brochure, Sept 2026 |
Zoning summaries come from the county ordinance or, where marked, the lot's Sept 2026 marketing brochure, and can change. Confirm with the county planning office before you order a home. Septic, flood zone and lot size can limit what fits on a specific lot.
Common questions
Can you put a mobile home on any land?
No. Each county decides by zoning district. In our inventory, Marion County R-4 and Hamilton County agricultural lots allow a mobile home as of right. Marion R-1 does not, and Nye County, Nevada allows only a newer manufactured home on a permanent foundation.
Can I put a mobile home on my land in Florida?
If the lot is zoned for it, yes. Florida counties write the rule into the zoning code district by district, which is why the same county can allow it on one street and not the next. The table above shows the districts we sell in.
What is the difference between a mobile home and a manufactured home?
Both are built in a factory. A mobile home is the older term for a home built to the HUD code; a manufactured home is the same kind of home built after 1976, and most counties add conditions such as a permanent foundation and a maximum age when placed. Modular homes are built to the state building code and are treated like site-built homes.
Do I need a permit to place a mobile home?
Yes. Expect a building or set-up permit, a septic permit if there is no sewer, and an electrical permit for the power connection. The county planning office confirms zoning first; the building department issues the permits.
How much does it cost to put a mobile home on land?
The home itself is the largest cost, then site work: a pad or foundation, septic or a sewer tap, a well or a water meter, and the power connection. Costs vary by county and by how far utilities are from the lot, so we list what is at the road on each lot page and our guide explains each line item.
Can I buy the lot with no credit check?
Yes. We own every lot and finance it ourselves. There is no bank, no credit pull and no minimum score. You pick a down payment, make fixed monthly payments, and the deed is recorded in your name at closing.
Read the full guide
Zoning, HUD code versus modular, permits, utility hookups and what each step costs.
Can you put a mobile home on your own land?Ready to put a home on your own land?
Pick a lot above, or talk to us and we will match you with one where the county allows it.