144 Lake Cir, Satsuma, FL 32189 - Putnam County

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 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