Rare Lake-Backed Florida Lot | R-2 Zoning | No HOA | Power Ready
This Is the Kind of Lot People Wish They Bought Last Year
Every January brings the same realization:
We shouldve bought land when it was still affordable.
And every year, fewer parcels like this exist.
This 0.33-acre wooded, flat, lake-backed property in Putnam County, Florida isnt just a listingits a closing window. A rare combination of water adjacency, R-2 zoning, low taxes, power at the road, county-maintained access, and zero HOA restrictionsall wrapped into one quietly powerful parcel.
Welcome to 11-11-26-8243-0121-0110-Drake, tucked along Lake Circle in Satsuma, FL, where Florida still feels like Florida.
Why This Lot Is Different (And Why That Matters)
Most listings force you to compromise:
Good price, bad access
Nice location, restrictive HOA
Water nearby, but not yours
Zoning that limits flexibility
This property doesnt.
Heres what makes it rare:
Backs to a small...
Backs to a small lake not just near water
Residential, Two-Family (R-2) zoning
Flat, build-friendly terrain
Power at the road
County-maintained access (Lake Circle)
No HOA, no POA
Annual taxes: just $60.07
Thats not a marketing anglethats a checklist most buyers never fully complete.
Lake-Backed Lots Are DisappearingQuietly
Water-adjacent land doesnt vanish overnight.
It disappears listing by listing.
Developers buy it.
Locals hold it.
Families pass it down.
What remains is usually overpriced, overregulated, or inaccessible.
This lot backs to a small lake, creating:
Natural privacy
A calmer visual backdrop
Added long-term desirability
Lifestyle appeal without floodplain headaches
Its the kind of feature that doesnt screambut buyers feel it immediately.
Zoned R-2: Build for Today, Plan for Tomorrow
Residential, Two-Family (R-2) zoning gives you options that single-family lots simply dont.
That means potential for:
A primary residence + guest unit
A duplex-style build (verify with county)
A future income strategy
Multigenerational living
Greater resale flexibility
Zoning is leverageand R-2 zoning is leverage you cant add later.
The New Year Reset Everyone Talks AboutThis Is the Action Version
Every January, people promise:
Less noise
More space
Fewer rules
Smarter investments
A real asset they can touch
Most never act.
This is how action looks:
A quiet Florida lot, with water behind it, no HOA telling you what color your roof must be, and owner financing that gets you in nownot someday.
This isnt about rushing.
Its about not missing it.
Location That Balances Privacy and Access
Youre positioned perfectly between nature and civilization:
Satsuma, FL 7 minutes
Palatka, FL 17 minutes
St. Augustine ~52 minutes
Jacksonville ~1 hr 10 min
Gainesville ~1 hr 14 min
Close enough for daily needs.
Far enough to feel removed.
This is why people move outwardnot inward.
Outdoor Lifestyle Built In (Not Manufactured)
This area isnt a master-planned illusion of nature.
Its the real thing.
Nearby destinations include:
Dunns Creek Wildlife Management Area (9 min)
Wildlife, waterways, and protected Florida habitat.
Welaka State Forest (17 min)
Thousands of acres for hiking, exploring, and breathing again.
Ravine Gardens State Park (21 min)
Historic gardens, elevation changes, and seasonal blooms rarely seen in Florida.
Waxers Cove (40 min)
Water access, fishing, and classic Old Florida recreation.
This isnt weekend entertainmentits a lifestyle backdrop.
Low Taxes, Low Carry, High Peace of Mind
At $60.07 per year in property taxes, this lot doesnt punish you for owning it.
That matters whether you:
Build immediately
Hold for appreciation
Secure it as a future plan
Buy now and decide later
Land thats expensive to hold forces rushed decisions.
This land lets you breathe.
Owner Financing That Respects Reality
You dont need permission from a bank to own land.
Cash Price: $13,000
Owner Financing Options:
$200 down
Flexible terms
Predictable monthly payments
No credit check hoops
No bank delays
This structure exists for people who understand that ownership now beats perfection later.
Who This Lot Is For
This property resonates with buyers who:
Want water nearby without waterfront premiums
Refuse HOAs on principle
Value zoning flexibility
Want a quieter Florida footprint
Are done waiting for the right time
Understand that land is the reset button
If youre still reading, youre likely one of them.
Scarcity Isnt HypeIts Math
They arent making more lake-backed lots.
They arent loosening zoning.
They arent lowering taxes.
They arent removing HOAs elsewhere.
This combination doesnt replicate.
Once its gone, the next option costs moreor gives less.
Final Thought
Five years from now, youll either:
Own a piece of Florida that backs to water and gives you options
or
Be watching listings, saying those prices are crazy now.
The difference is one decision.
Property Details
Parcel Number: 11-11-26-8243-0121-0110
Address: 144 Lake Cir, Satsuma, FL, 32189
County: Putnam
State: FL
Subdivision: St Johns Riverside Estates Hoot Owl Ridge 3 Rd Addition
Lot Number: 11
Parcel Size: 0.33 Acres
Terrain Type: Flat, Wooded
GPS Coordinates Center:
29.5578, -81.64185
GPS Coordinates (4 corners):
29.5581, -81.6418 NE
29.5576, -81.6416 SE
29.5575, -81.6419 SW
29.5580, -81.6420 NW
Zoning / Property use code: RESIDENTIAL, TWO-FAMILY - R-2
What can be built? Residential Single Family, Mobile Home
Price: $13,000.00
Select Your Personal Payment Plan Below!
$250 Doc Fee, $200 Down, $199 x 96 mo + $20 taxes & fees
$250 Doc Fee, $200 Down, $227 x 78 mo + $20 taxes & fees
$250 Doc Fee, $200 Down, $261 x 60 mo + $20 taxes & fees
From elevation to risk assessment
Search for detailed parcel information including; Elevation & Vegetation Maps, Ownership Information, Detailed Parcel Information, Crop History Map, Soil Survey Productivity Data, and more.
Research Parcel InformationDirections
BUYERS YOU ARE FREE TO VISIT THE PROPERTY FOR YOURSELF AT ANYTIME
Satsuma
Florida 32189, USA
Head toward US-17 S
82 ft
Turn right onto US-17 N
2.1 mi
Turn right onto Hoot Owl Rd
0.9 mi
Turn right onto Hickory Nut Trail
0.5 mi
Sharp left
0.1 mi
Turn right onto Lake Cir
0.1 mi
Turn right
Destination will be on the right
135 ft
144 Lake Cir
Satsuma, FL 32189, USA
Resources
About Jeff Dettmer
AOK Land is owned and operated by Jeff Dettmer, a husband, father of two boys, entrepreneur, woodworker, and dedicated community volunteer. Jeff is guided by a strong belief in doing the right thing, giving back, and always striving to improve.With a degree in Business & Economics and the problem-solving mindset of an engineer, Jeff brings both strategy and efficiency to everything he does. His real estate journey began with the renovation of a 150-year-old four-family home in need of major repair. Since then, he has helped hundreds of people secure the land they need, whether for building a family home, starting a business, or investing for the future.At AOK Land, Jeff and his team take the time to truly listen and guide you through every step of the land ownership process. With their support, you can feel confident that youre in good hands.Learn more about Jeff here: https://www.jeffdettmer.com/