0.35 acres for sale in Keystone Heights, FL

Owner Finance

$12,500

Lot Size

0.35 acres

Parcel

21-08-23-003426-000-00

GPS

29.782750, -82.001771

Deed Type

Owner financed contract to warranty deed

Location

7248 Citadel St, Keystone Heights, FL 32656

Discover an affordable opportunity to own land in beautiful Keystone Heights, Florida! This 0.35-acre residential lot offers a peaceful North Florida setting while keeping you close to everyday conveniences, outdoor recreation, major cities, and the Atlantic Coast. Whether you’re looking for a future homesite, a location for a manufactured home subject to county approval, or a long-term Florida land investment, this property offers plenty of potential.

Keystone Heights (Clay County) is known for its relaxed small-town atmosphere, natural beauty, and abundance of nearby lakes, including Lake Geneva, Lake Brooklyn, and Little Lake Geneva. Enjoy easy access to fishing, boating, kayaking, swimming, parks, and other outdoor activities while still being only about 2–3 miles from downtown Keystone Heights. Gainesville is approximately 30 miles away, while Jacksonville is about 50–60 miles, St. Augustine about 55–60 miles, and Jacksonville Beach approximately 65–70 miles away.

This is a great opportunity to own an affordable piece of Florida in an established area with the convenience of nearby shopping, schools, restaurants, and services, while still enjoying the privacy and slower pace of country living. Secure your piece of Keystone Heights today and enjoy the flexibility to build or invest!

Owner Finance Options:

5 years (8.5%), down payment $500 – monthly payment $246.20
7 years (8.5%), down payment $500 – monthly payment $190.04
10 years (8.5%), down payment $500 – monthly payment $148.78

Owner Finance Terms

$1.99 monthly processing fee apply to each invoice.

No pre-payment penalty.

No credit check, everyone can buy it.

Listing ID: RL-2026-081104

Road: Dirt road access

Utilities: Electric available. Water & Septic needed.

Property Tax: $71.74

Zoning: Mobile homes, manufactured or single family homes allowed. No minimum size requirements. RV might be used for temporary shelter without permit with conditions (RV must be self-contained, the extent of the stay in the RV does not exceed 14 consecutive days, or 120 non-consecutive days in a given calendar year). If planning to build on the property, the RV temporary use permit is available and shall have a duration limited to 24 months.

Legal: LOT 24 BLK 57 HIGHRIDGE ESTATE AS REC O R 4961 PG 585

Deposit

$500.00

Pay Deposit

The deposit will be deducted from the full purchase price and recording fees covered by the company.

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FAQ

Questions buyers ask before they commit.

If you don't see yours here, call or text 678-708-6969.

Getting started

Can I buy land with no credit check?

Yes. We don't check credit history. Everyone qualifies — no application, no waiting for approval. You pick the property, put down a deposit, and you're in.

How much is the deposit?

Most properties require $500 down. Higher-value properties may require $1,000. The listing page always shows the exact deposit amount before you commit.

Is the deposit refundable?

Yes, within 24 hours. After that, the deposit is non-refundable because the property is pulled from the market and held exclusively for you.

When does my first monthly payment start?

You'll have at least 30 days between your down payment and your first monthly payment. You won't be paying both at the same time.

Is this like a rent-to-own model?

Similar idea. You make monthly payments toward ownership, and the deed transfers once the balance is paid in full. The difference: you're buying real property under a recorded land contract, not renting.

Is owner-financed land a safe way to buy property?

Yes, when the terms are clearly spelled out — and ours are. Read the agreement, understand the payment structure, and do your own due diligence on the property before buying. You can read verified buyer reviews on Trustpilot.

Still have a question?

Call or text 678-708-6969 · sales@rinaland.com

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