Spacious 0.54-Acre Wooded Lot in Milton, FL — Near Blackwater Bay
TBD Kensara Dr, 32583
About This Property
0.54 acres in Milton, Santa Rosa County, zoned R1 (Residential Single Family) with a GPSFR single-family residential future land use. Modular and site-built homes are permitted; mobile homes are not. RVs are allowed only while a house is under construction with a building permit in hand (maximum one year), and otherwise for parking and storage. The lot measures roughly 141' x 172', with setbacks of 25' front and rear and 14' on both sides, wooded terrain and no HOA. City water or a well is required and a septic system is needed; access is via a paved road, with a power line available through City Electric Supply Milton. 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.
Before you reserve this lot
Buildability is subject to a wetlands study, which has not been completed. Septic approval is not yet confirmed with Pace Water Systems. Ask us for the latest before reserving.
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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