0.46 Acres for Sale in Keystone Heights, FL

BUILDABLE RESIDENTIAL LOT IN KEYSTONE HEIGHTS — MOBILE HOMES, MANUFACTURED HOMES & SITE-BUILT HOMES WELCOME AT JUST $9,500

Here's your chance to own a nearly half-acre residential lot in Keystone Heights, Clay County, Florida — priced at just $9,500 cash, with owner financing available. At this price point, you're getting a verified buildable lot of record with residential zoning, no HOA, and annual taxes of only $63 a year. Whether you're planning to build now or hold for the future, this is an accessible entry point into real Florida land ownership.

Keystone Heights is a small, peaceful community in Clay County — a quiet corner of North Florida known for its natural lakes, recreational opportunities, and a genuine small-town character that's increasingly rare. The surrounding area offers a relaxed, unhurried lifestyle while still sitting within reasonable reach of larger amenities in Gainesville and the greater Jacksonville metro.

⛰️ Property Highlights

• Location: Keystone Heights, Clay County, FL
• Lot Size: 0.46 acres (20,037.6 sq ft)
• Road Access: Dirt Road
• Utilities: Well and Septic Needed (to be installed by buyer)
• HOA: None
• Annual Taxes: $63.00/year
• Deed Type: Warranty Deed
• Price: $9,500 cash / $15,000 with owner financing

🏠 Perfect For

✅ Building a site-built single-family home (minimum 750 sq ft)

✅ Placing a mobile home or manufactured home (minimum 600 sq ft)

✅ Establishing a small personal homestead with farm animals

✅ Living in your RV on-site while you build your home

🌿 Enjoy Everything Keystone Heights Has to Offer

✅ Keystone Heights is surrounded by a chain of freshwater lakes, making the area popular for fishing, boating, and swimming

✅ Gold Head Branch State Park is located nearby, offering hiking trails, spring-fed ravines, and camping in a beautiful natural setting

✅ The region's quiet, rural character makes it a haven for those seeking a slower pace of life away from city congestion

✅ Gainesville, home to the University of Florida, is accessible for shopping, dining, medical services, and entertainment

✅ The greater Jacksonville metro is within driving distance for additional employment and urban amenities

📍 Nearby Attractions

• Gold Head Branch State Park — hiking, camping, and spring-fed swimming
• Keystone Heights Lake Region — freshwater lakes throughout the area
• Gainesville, FL — approximately 30 miles southwest
• Jacksonville, FL — approximately 50 miles northeast

Important Property Information

This lot is zoned Residential Single Family or Residential General and is verified as a buildable Lot of Record — it meets the county's minimum physical dimensions and was platted before current acreage rules were written, making it highly likely buildable.

Allowed uses: Site-built homes, mobile homes, and manufactured homes are all permitted. Minimum living space requirements apply: modular/mobile homes must be at least 600 sq ft; site-built frame homes must be at least 750 sq ft.

Utilities: Both a well and a septic system will need to be installed by the buyer. Note the 75-Foot Health Rule: the septic drain field must be situated a minimum of 75 feet away from your own water well and any neighboring wells, due to the lot's dimensions.

Mobile homes: Yes, mobile and manufactured homes are allowed, subject to the 600 sq ft minimum.

RV living: You may legally live in your RV on-site while constructing your home, but permanent RV living is not permitted. Once a primary residence is established, you may park and store a personal RV, camper, or boat on the lot.

Farm animals: Livestock and farm animals are legally permitted for non-commercial, personal use.

Setbacks: Front — 20 ft minimum; Rear — 15 ft minimum; Sides — 5 ft minimum each.

Impact fees: Clay County impact fees for residential structures generally range between $11,000 and $16,000 depending on the type of structure. Buyers should budget for this in addition to the purchase price.

HOA: None.

Owner Financing Available

• Owner finance available with no credit check or income verification
• Contract for deed, deed transferred after final payment
• Everyone is approved
• Down payment: $2,000
• APR: 10%
• $249 processing and origination fee applies to all new loans

💰 Monthly Payment Options

Financed amount: $13,000.00 (owner finance price $15,000.00 − $2,000 down payment)

• 5 Years (60 months): $276.21/month
• 7 Years (84 months): $215.82/month
• 10 Years (120 months): $171.80/month

All payments are principal and interest at 10% APR. The $249 processing and origination fee is separate — it is not included in the financed amount or in the monthly payments above.

Closing & Title Options

This property can close through a title company with title insurance for approximately $800–$1,200, or through Land Supplier’s in-house closing for $249. The buyer is responsible for performing their own due diligence and for paying all closing costs and title fees if choosing to close through a title company.