0.23 Acres · Putnam County, FL

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0.23 Acre Build-Ready Lot in Satsuma, Putnam County

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0.23 acre residential zoned land for sale in Putnam County, FL, photo 1

Quick facts

Size
0.23 acres
Zoning
R2 (Residential)
Road access
Privately Maintained
Location
Putnam County, FL Open in Maps

What You're Actually Getting

Discover your slice of Florida paradise with this fantastic 0.23-acre residential lot located at 104 Utah St in the charming community of Satsuma. Situated in North-Central Florida's Putnam County, this vacant parcel spans over 10,100 square feet, offering a quiet, wooded canvas perfectly sized for your custom dream home or a peaceful weekend getaway.

A significant advantage of this property is its 61-foot elevation. Sitting high and dry in Flood Zone X, this lot is securely removed from the 1% annual chance floodplain. This premium elevation provides peace of mind and typically eliminates the need for expensive flood insurance. The property is zoned Residential, Single Family, ensuring a standard of quality for the neighborhood by allowing traditional site-built homes. Furthermore, you will enjoy the ultimate freedom of land ownership with absolutely no HOA fees or restrictive community rules tying you down.

Satsuma provides a relaxed, nature-forward lifestyle with incredible access to Florida's best outdoor recreation. You are just a short drive from the majestic St. Johns River, offering world-class freshwater fishing and boating. For weekend excursions, the beautiful Ravine Gardens State Park is nearby. When you need city amenities, Palatka, St. Augustine, and the beaches of the Atlantic Coast are all within an easy commute via nearby US HWY-17 and RT-100. With a privately maintained access road and electricity available nearby, this peaceful lot represents incredible value for your future Florida homestead.

Pricing & Terms

Need a personalized plan?

Every buyer is different. Call or text Juliana at (407) 917-0848 and she will put together a plan that fits your budget.

Discounted Cash Price

$9,600

One payment, plus the one-time $249 document fee. Deed recorded at closing.

Owner Financing

Down payment
$249
Monthly payment
$199/mo
Term
70 months
Interest
0%
Document fee (one time)
$249

No credit check, no prepayment penalty. Pay it off early and you pay nothing extra.

See available lots

Questions first? Call or text Juliana at (407) 917-0848, or read how owner financing works.

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Location

Address

104 Utah St
Putnam County, FL

Putnam County · Privately Maintained

Open in Google Maps

GPS coordinates

Center
29.537399, -81.631058
NW
29.537582, -81.631180
NE
29.537586, -81.630944
SE
29.537217, -81.630935
SW
29.537212, -81.631171

Technical Data

For the Detail Oriented

I know that serious land buyers care about the specifics. That's why I've compiled every data point you need from precise GPS coordinates to utility access details. There's no guesswork here; just clear, verifiable facts so you can plan with total confidence. Anything not listed below is not yet confirmed for this lot; ask and I will check the county record.

County
Putnam, FL
APN (parcel number)
13-11-26-8244-0130-0120
Acreage
0.23 acres
Zoning
R2 (Residential)
Terrain
Flat, Wooded
Elevation
61 ft
Access road
Privately Maintained
Water
Well or Cistern needed
Sewer or septic
Septic needed
Electric
Contact Florida Power & Light (1-800-226-5885)
Gas
Propane
Waste
Weekly Pickup
HOA / fees
None
Last verified
October 8, 2026
GPS coordinates
See Location above
Juliana Scolari

The Visionary

Juliana Scolari

"I founded Golden Ridge because I saw a gap in the market that was leaving good people behind. Banks rarely finance raw land. Traditional real estate isn't designed for land buyers. Golden Ridge Partners changes that dynamic. I built this company to be the solution. Meaning you get the land you want without ever needing a bank’s permission. By deploying my own capital, I act as the lender, offering you simple owner financing that bypasses the banking system entirely"

Read the full interview

Frequently Asked Questions

What is the zoning on this Putnam County lot?

The county zoning district is R2. The lot is zoned residential. Living in an RV or camping long term is not permitted on residential lots, apart from any temporary construction permit the county offers.

What utilities are available at this lot?

Electric: Contact Florida Power & Light (1-800-226-5885). Water: Well or Cistern needed. Sewer or septic: Septic needed. Confirm availability and connection costs with each provider before you build.

How much is this lot per month with owner financing?

$249 down, then $199 a month for 70 months at 0% interest, plus a one-time $249 document fee. There is no credit check and no prepayment penalty; the warranty deed records in your name at payoff. Need a personalized plan? Call or text Juliana at (407) 917-0848 and she will put one together for you.

Can I live in an RV on this lot?

RV and camper living as a residence isn't allowed on this lot, except under a temporary construction permit where Putnam County offers one.

See our RV and manufactured home rules by county.

How owner financing works

Call (407) 917-0848