Frequently Asked Questions

We currently list 6 residential lots in Lake Placid, Highlands County, Florida, priced $15,500 to $21,900 cash. Each one has its own page on our Land for Sale page with the parcel ID, zoning, flood zone, utilities, map and financing terms.

Fill out the short form on the lot's page or our contact page — just your name and phone number. We'll text or call you, usually the same day. Asking is free and there's no obligation.

Yes, and we recommend it. Every listing page has GPS coordinates and a map link so you can drive out and see the lot from the road. Visit after a heavy rain if you can — it tells you a lot about drainage.

There's a one-time $249 document fee on both cash and financed purchases. After you own the land you'll pay annual property taxes, and you'll want to budget for title insurance or a survey if you choose to get them.

Yes. On our current lots, owner financing starts with $349 to $2,900 down and $349 to $399 a month for 60 months, depending on the lot.

No. Our owner financing has no credit check and no bank approval.

Our plans have no separate interest rate, but paying over time costs more than paying cash. For example, 260 Deerwalk Ave is $15,749 all-in with cash and $21,538 in total with financing. Every listing page shows both totals so you can compare.

Yes. There's no prepayment penalty, so you can pay off the balance early and get your deed recorded sooner.

With cash, the deed is recorded in your name at closing. With owner financing, the deed is recorded in your name when the land is paid off. Ask for a copy of the agreement before you sign so you know your rights while you're paying.

Ask us before you sign — it depends on the agreement. Many land sellers require the land to be paid off first, and most construction lenders want you to hold the deed.

Our current lots are zoned for single-family homes (R-1 in Sun N Lakes Estates, R-1A in Placid Lakes). Highlands County's code allows a site-built or modular home in R-1A and excludes mobile homes. Confirm the home type you want with Highlands County Development Services before you buy.

Not full time. Temporary RV occupancy during active home construction may be allowed by permit — check with the county first.

Our current lots are in FEMA flood zone X, which means minimal flood hazard. Check the exact parcel on the FEMA flood map yourself before buying.

No. Plan on a private well and a septic system. The septic permit comes from the Florida Department of Health in Highlands County and usually requires a soil evaluation. Get quotes from local contractors before you buy.

Our current lots have no HOA. Some Sun 'N Lakes lots may carry a recreation district assessment on the tax bill — ask us about a specific lot.

Vacant lots in Highlands County usually carry low annual tax bills compared with coastal Florida, often a few hundred dollars or less. We list the amount on each lot when we have it; you can also look up any parcel on the Highlands County Property Appraiser website.