CYBER FINANCE LAND
Putnam County, Florida · 18 lots for sale

Florida landfrom $5,800

Residential lots between Gainesville and Jacksonville. Fully remote purchase, deed recorded in your name and official county data on every lot. No visa, no residency, no promise of appreciation.

18
lots for sale
$5,800
from
$30 to $300
Annual property tax (estimate)
≈ 33 min
To Gainesville (UF), from Interlachen

Lots for sale

All in Putnam County, Florida. Cash price in dollars, no HOA identified, and the parcel number so you can check it on the county's website.

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Why Putnam

Why Putnam County

A long-term thesis built on verifiable facts, not promises.

Putnam County sits in Northeast Florida, split by the St. Johns River. The county seat is Palatka; Interlachen, Florahome, Satsuma and Hawthorne are the communities where our lots are. Its main asset is location: from Interlachen, Gainesville (University of Florida and the UF Health complex) is about 33 minutes away, Palatka 22, St. Augustine 1h12 and Jacksonville between 1h and 1h15.

Let's be direct: Putnam grows slowly. It had 73,321 residents in 2020 and about 77,700 in 2025, up 6% in five years, and median income is below the Florida average. What makes it interesting is the entry price, a few thousand dollars, and the neighbors: fast-growing counties like Clay, St. Johns and Alachua.

What changed in recent years are three concrete moves, all with public sources: the purchase of more than 5,200 acres by entities tied to the founder of Bass Pro Shops in the south of the county; the unanimous approval of a $200 million motorsports complex next to the Palatka airport; and the opening of the final segment of the First Coast Expressway in Clay County, which shortens the drive from Palatka to Jacksonville. Every item in the timeline below carries a status, a date and a link.

Our thesis is simple: a low entry price in dollars, Florida with no state income tax, annual property tax in the tens to a few hundred dollars, and a region receiving verifiable investment. Nobody knows what the land will be worth in ten years, and we won't pretend we do.

ConfirmedReportedProjected

Third-party projects referenced here (Bass Pro Shops / Johnny Morris, the motorsports complex, roadway projects) belong to third parties, are at different stages, some only reported or proposed, and may change, be delayed or be cancelled. No affiliation or sponsorship is implied. Nothing on this page is a promise of appreciation, return or resale. Past market performance does not indicate future results.

Timeline: what is fact, what is news, what is a plan

2021–2024Confirmed

Entities tied to the founder of Bass Pro Shops buy more than 5,200 acres in the south of the county

Since 2021, entities tied to Johnny Morris have acquired 231 parcels totaling more than 5,200 acres (about 2,100 hectares) in the Welaka and Satsuma area. The area exceeds the combined footprint of Disney's four theme parks (about 950 acres); the entire Walt Disney World complex, hotels included, is far larger (about 25,000 acres). It is land purchased, not a development built. Welaka is about 25 miles south of Palatka and is not adjacent to Interlachen or Florahome.

WUFT, Jul 22, 2024
2024Reported

Welaka's mayor says he expects “some sort of resort”

Then-mayor Jamie Watts said publicly that Bass Pro intends to build in and near the town and that it is “obviously going to be some sort of resort, not a store.” That is a local official's statement: the company has not confirmed it, no project has been filed with the county and there is no construction on the land. Bass Pro describes its vision only as “a high-quality, nature-based attraction.”

First Coast News
2024-06-29Confirmed

Elevate Putnam campaign launched

The county's Chamber of Commerce and Economic Development Council launched a five-year campaign that raised $3,033,750 at its launch event. The stated goals are 750 primary jobs, more than 220 indirect jobs and $500 million in new capital investment. Goals, not results.

North Florida Economic Development Partnership
2025Reported

Population: from 73,321 (2020) to about 77,700 (2025)

Growth of roughly 6% in five years, according to Census estimates. Putnam is the 40th most populous of Florida's 67 counties, with a median household income of $47,256 (2023). The case for the region is price and proximity to growing counties (Clay, St. Johns, Alachua), not its own growth.

U.S. Census Bureau QuickFacts
2025-06-10Confirmed

County begins charging impact fees on new construction

Approved unanimously, the impact fees apply to anyone building on land never built upon and fund fire rescue, law enforcement, public buildings and water/wastewater. The amount scales with the size of the building. It goes into the budget of anyone planning to build.

Putnam County, official notice
2025-11-19Confirmed

$200 million motorsports complex approved next to the Palatka airport

The County Commission unanimously approved the rezoning of 440 acres for the project by former NASCAR drivers Scott Lagasse Sr. and Jr. (Team SLR): a high-performance driver-training road course, kart track, garage condos, museum, four-star hotel, RV campground and technical courses with St. Johns River State College. Developer-estimated impact: $20 million per year. It is a private complex: NASCAR is not involved and no race has been announced.

Jacksonville Today, Nov 19, 2025
2026-05-12Confirmed

Palatka airport receives $245,215 from the FAA for apron work

Palatka Municipal Airport (Kay Larkin Field, code 28J) has existed for decades, with a 6,000 ft (1,829 m) main runway that can handle business jets and a 257-acre business park next door. The FAA money is for the apron: maintenance, not expansion. No airport is being built in the county.

FAA, AIP Grants, May 12, 2026
2026-05-15Confirmed

Welaka breaks ground on a $14.09 million wastewater plant

The town began construction of a 125,000-gallon-per-day treatment plant, with about 18 months of work, funded almost entirely by the state (local share of $200,000). Officials tie the project to future growth and development opportunities in the south of the county.

Palatka Daily News, May 15, 2026
2026-06-29Confirmed

First Coast Expressway: final Clay County segment opens

FDOT opened the segment between US 17, south of Green Cove Springs, and the vicinity of the Shands Bridge. The expressway (SR 23) does not enter Putnam County, but it shortens the drive for anyone leaving Palatka on US 17 toward Jacksonville. The eastern segment, to I-95, remains under construction until about 2030.

Florida State Road 23, Wikipedia
2027Projected

Motorsports complex opening projected for around 2027

The developers projected groundbreaking on the first phase in the first quarter of 2026 and an opening around 2027, with 12 to 18 months of construction. This is the developers' timeline; we could not independently confirm that construction has started.

Jacksonville Today, Nov 19, 2025

What works in your favor

Entry price in dollars

Lots from $5,800 to $26,200, cash. Portuguese-language sites typically advertise land from $15,000 to $120,000. Here, the check to start owning property in the United States fits many people's budget.

No state income tax

Florida has no state income tax for individuals. U.S. federal taxes still apply, and so do your own obligations at home. Talk to your accountant.

Low annual property tax

Tax is levied on the tax base determined by the county (≈ 1.69% outside city limits; ≈ 2.38% inside Interlachen), which is usually well below the purchase price. In practice, tens to a few hundred dollars a year. Vacant land gets no homestead exemption.

Close to Gainesville and Jacksonville

From Interlachen, the University of Florida and the UF Health complex are about 33 minutes away; Jacksonville, between 1h and 1h15. Orlando is 1h45 from Palatka: it is not next door, and we won't say it is.

Driving distances (mapping-service estimates)

Interlachen → Palatka26 km · 22 min
Interlachen → Gainesville (UF)45 km · 33 min
Interlachen → St. Augustine72 km · 72 min
Interlachen → Jacksonville105 km · 70 min
Palatka → Daytona Beach85 km · 68 min
Palatka → Orlando169 km · 105 min

How buying works

Five steps, fully remote, with a Florida-licensed title company.

1

Choose the lot and ask your questions

Review the official county data on the lot page and message us on WhatsApp. If you want, we arrange the formal county Lot Inquiry ($45) before anything is signed.

2

Purchase agreement

You sign the contract electronically. The binding document is in English; we walk you through every clause in your language. It sets the price, the timeline and that the property is sold as-is.

3

Title company and escrow

A Florida-licensed title company runs the title search, receives the payment into an escrow account and issues the title commitment, which shows any recorded restrictions on the lot.

4

Payment from abroad

International wire transfer directly to the title company's escrow account, never to an individual. No visa, residency or Social Security Number required.

5

Deed recorded in your name

Once the payment clears, the warranty deed is signed and recorded in the Official Records of Putnam County, with owner's title insurance available. You receive the recorded copy and the property tax bill starts arriving in your name.

The time between contract and recording depends on the title company and the international transfer; we give you an estimate before you sign. We are not lawyers or accountants: for the purchase structure (individual or company) and tax effects in your home country, consult your own.

Frequently asked questions

The real questions of someone buying U.S. land from abroad, answered straight.

Can a foreigner buy land in the U.S. without a visa?
Yes. You do not need a visa, residency or a Social Security Number to own property in the United States. The whole process, from contract to deed recording, can be done from abroad. You need a valid passport and, if you want tax guidance, an accountant.
Can I build on the lot?
It depends on the lot, and we say so on every page. In R-2 and R-1A the county requires a minimum area of 7,500 sq ft (0.17 acre) and 75 ft of frontage; some of our lots (0.10, 0.11 and 0.17 acre) fall below that and are flagged. Beyond zoning, septic, road access and impact fees all matter. The definitive answer is the formal county Lot Inquiry ($45), which we recommend before closing.
What is the crossed-out “market value” on the card?
It is our estimate, based on listings and sales of similar lots in the area. It is not an appraisal, not an official valuation and not a promise that you can resell at that price. The price that counts is ours, the one below it. Anyone can check the parcel in Putnam County public records before closing.
How much property tax do I pay per year?
Property tax is levied on the tax base determined by the county, not on what you paid. The 2025 rate is about 1.69% outside city limits and 2.38% inside Interlachen. Because that base is usually low on these lots, the bill runs from tens to a few hundred dollars a year. Vacant land gets no homestead exemption. Each lot page shows the estimate and a link to the official estimator.
Are there HOA fees?
We identified no HOA on any of the lots. That does not rule out deed restrictions from the original subdivision; they show on the title commitment before closing, and you read them before you pay.
Do you guarantee appreciation?
No. Nobody can. We do not guarantee, project or promise appreciation, returns or resale. What we offer is a long-term thesis with verifiable facts (land purchases by entities tied to Bass Pro, an approved motorsports complex, a highway) and a low entry price. For the record: the median home sale price in Putnam fell 2.6% over 12 months in late 2025. Buy with that information on the table.
How do I pay? Do you offer installments?
The listed price is cash, paid by international wire to the title company's escrow account. Need different terms? Ask on WhatsApp. Any payment plan is formalized in the contract before any money changes hands.
What are FIRPTA and ITIN? Do I need them to buy?
Not to buy. FIRPTA applies to a foreign seller, not the buyer. It shows up when you resell: the buyer withholds 15% of the gross sale price, and vacant land does not get the reduced rate that applies to residences. The withholding can be reduced or waived by requesting a withholding certificate (Form 8288-B) before closing. The ITIN (Form W-7) is the tax ID you need to file and to request that certificate; it is not required to take title and takes 5 weeks to 3 months to issue. Few sites tell you this before the sale. We do.
What document proves the land is mine?
The warranty deed recorded in the Official Records of Putnam County, in your name. Closing is handled by a licensed title company, with a title search, an escrow account and owner's title insurance available. Never a quitclaim without insurance.
Can I place a manufactured (mobile) home or live in an RV?
In R-2, yes: a site-built, modular or HUD-code manufactured home, one per lot. In R-1, no. In R-1A and AG, confirm with the county. An RV cannot be a permanent dwelling: 14 consecutive days or 120 days per year, or a 6-to-12-month temporary permit while you build, with an active building permit and an approved septic system.
Is there water, power and sewer on the lot?
Sewer, no: it is septic. Water: public water exists in parts of Interlachen (FGUA and the town), but whether a main reaches each lot's frontage must be checked individually. Power: confirm with the local utility. None of this is included in the price or assured by us.
Can I visit the land before buying?
Yes, and we encourage it. We send the exact coordinates, the official parcel map and access directions. If you can't travel, arrange with us the best way to get to know the lot before you sign.
Who is on the other side

Talk to us

Cyber Finance Land is the trade name (DBA) of Cyber Finance Solutions LLC. We sell lots we know, with the county data out in the open and no promise we can't keep. Every closing goes through a Florida-licensed title company.

Tell us which lot caught your eye, or just ask where to start.

Contact
Departamento de Vendas

Service in Portuguese, English and Spanish, on Florida time (New York time zone). · Cyber Finance Land is a DBA (trade name) of Cyber Finance Solutions LLC.

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