11.51 Acres in White Springs, FL — North Florida Land, Mobile Homes Allowed
TBD-1 SE US-41 Hwy, 32096
About This Property
11.51 acres in Hamilton County, zoned A-4 (Agricultural Residence 4) with an agricultural future land use, on SE US 41 Hwy near the Suwannee River. This is the full, unsplit parcel; it can also be purchased as three smaller individual lots. Modular, site-built and mobile homes are all permitted, and RVs are allowed with a permit valid for five years and a six-month maximum continuous stay. Setbacks are 30' front, 15' sides and 25' rear, with no HOA and no deed restrictions. The tract is wooded and will need clearing, measures roughly 407' x 1077' x 1182' x 497', and sits in Flood Zone X (minimal flood risk); a boundary survey is available. A private well and private septic system are required, access is via a private dirt road, and power is nearby through Duke Energy. Big Shoals Wildlife Management Area is close by, and White Springs City Hall and local amenities are about 6 minutes away. 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.
Also available as separate lots
This parcel can also be purchased as smaller individual lots:
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 96 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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