Spacious Half-Acre Lot in Indian Lake Estates, FL — Established Golf Community
TBD Lot 20 Japonica Avenue, 33855
About This Property
0.50 acres in Indian Lake Estates, Polk County, zoned R (Residential Single Family) with an agricultural future land use. Modular and site-built homes are permitted; mobile homes are not. RVs are allowed on vacant lots only during construction (one year maximum, after Level 1 Review), and otherwise for parking or storage once the primary home is built. The lot measures roughly 105' x 208', with setbacks of 20' front, 10' on both sides and 15' rear, wooded terrain, and sits in Flood Zone X (minimal flood risk). A well and septic system are required. Access is via a partially paved asphalt and dirt road, and a power line is not currently available at the lot — Peace River Electric Co-op serves the area. An environmental survey is available. Owner financing available — no credit check, no hidden fees.
Why there's no credit check
We own every parcel outright, so we set the terms — not a bank. Approval isn't about a credit score; it's about whether the monthly payment fits your budget.
No bank, no third party. We carry the note ourselves, so there's nothing to underwrite and no credit pull.
You choose the down payment and the term. The monthly payment is set up front — no balloon, no surprises.
A licensed title company handles the closing and records your deed. Owner financing, done the right way.
Key Features
What You Can Build
Building permissions shown are based on general zoning guidelines. Always verify with the county planning department before purchasing, as regulations may change.
Property Details
Zoning, flood zone, and tax information is provided for informational purposes only. Buyers should verify all details directly with the county before purchasing.
Location
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Options 1, 2, and 3 carry a 10%, 11%, and 12% interest rate (APR) respectively, fixed for all 60 payments.
Closing costs run about $800–$1,500, paid at closing, and are not part of the payments above. Payment terms and duration are negotiable. Message us for more details.
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