Design mockup — sample parcels and placeholder reviews shown for layout only. Nothing here is a live listing.
✓ Owner financing — no credit check ✓ We cover closing costs Questions? (512) 202-1928
Citrus & Central Florida

Own a piece of Florida for a few hundred down.

Cleared-title vacant lots, priced to sell and financed by us — no banks, no credit checks, no realtor commissions. Pick your parcel, put a little down, and start making payments straight to me.

No credit checkYour payment history with me is the only qualification.
Closing costs on usThe price you see is what you pay.
Deed in your nameRecorded with the county at payoff.
Featured parcel APN 2333-669
1.03 AC HIGH & DRY W CANDLEWICK LN — PAVED N
Cash
$16,900
Or down
$900
Per month
$285
0.25–5Acre parcels
$900Typical down payment
0%Realtor commission
3–5 daysClose to deed recorded
6Checks before we list
Available now

Parcels ready to claim

Every lot below is owned outright by us, title-checked, and available for cash or monthly payments. Filter to what fits your budget.

Reset

Owner financing

We are the bank — so there is no bank

No loan application, no credit pull, no closing table. Put money down, sign a simple purchase agreement, and make monthly payments directly to us. Move the sliders to see real numbers.

Payment estimator

Based on our standard terms: 9.9% simple interest, no prepayment penalty.

$16,900
$900
60 months
Monthly payment
$285
Due at signing
$900

  • 1
    Nothing to qualify forNo credit check, no income verification, no bank underwriting. If you can make the down payment, the parcel is yours to start paying on.
  • 2
    Pay it off whenever you wantNo prepayment penalty, ever. Pay it down early and we simply recalculate the payoff.
  • 3
    You get the deed at payoffWe record the deed in your name with the county the moment the balance hits zero, and mail you the recorded copy.
  • 4
    Cash buyers save morePaying cash? Ask about the discount — we price cash deals below the financed number because it closes in days.
How it works

From “I want that one” to deed in hand

Buying land from us takes days, not the 45-day mortgage marathon.

STEP 01

Pick your parcel

Browse what's available, then call or send the reference number. I'll walk you through the lot, the access road, and what's around it.

STEP 02

Lock it with a deposit

A small non-refundable deposit holds the parcel and takes it off the site while we get your paperwork together.

STEP 03

Sign & fund

Sign the purchase agreement electronically, pay the balance or your down payment, and we cover the closing costs and recording fees.

STEP 04

Get your deed

Cash purchase — deed recorded and mailed within days. Financed — you get possession now and the deed at payoff.

Before we ever list it

Six checks on every parcel we sell

Most cheap land online is cheap for a reason — landlocked, underwater, or tangled in liens. We buy hundreds of parcels and reject most of them. Here's what we confirm before a lot earns a spot on this page.

🛣️

Legal road access

We verify frontage or a recorded easement on the county's own parcel maps. No landlocked lots — ever.

⚡

Power at the road

We check aerials and confirm the utility so you know whether poles run to the lot line or a solar setup makes more sense.

💧

Water availability

County water at the road or well territory — we ask the county directly and tell you which one you're buying into.

🌊

Flood zone status

We pull the FEMA flood map and the ground elevation. We don't sell parcels that sit entirely in a flood zone.

📐

Terrain & buildability

Elevation sampled across the lot so you know if it's flat and high-and-dry or sloped enough to matter.

📜

Clean title & taxes

Deed history, liens, judgments, and back taxes checked in the county records — and paid off by us before you buy.

Buyers

What buyers say

Placeholder section — drop in your real buyer reviews here as they come in. Never publish invented testimonials.
“

Real review goes here — ideally one that mentions how fast and simple the closing was, since that's the objection most land buyers have.

— Buyer name, County, FL
“

Real review goes here — a financed buyer describing the no-credit-check process is worth more than any sales copy you could write.

— Buyer name, County, FL
“

Real review goes here — an out-of-state buyer who bought sight-unseen and was happy with what they got when they visited.

— Buyer name, State
Questions

Straight answers

Do you really not check credit?

Correct. We hold the note ourselves, so there is no lender and no credit report involved. The down payment is the qualification. If you stop paying, we take the parcel back — that's the whole risk model, and it's why we can say yes to almost everyone.

Can I build a house on it, or put an RV or mobile home?

It depends on the parcel's zoning and the county's rules, and we'll tell you plainly which one you're looking at before you buy. Some of our lots are residential build-ready; others are best as recreational, camping, or hold-and-flip land. Always confirm your specific plan with the county building department — we'll give you the parcel number and the phone number to call.

What are the property taxes?

On these small vacant lots, usually somewhere between $100 and $400 a year. We list the current assessed taxes on each parcel and we clear any back taxes before selling. Once you own it, the annual bill is yours.

Is there an HOA or POA fee?

We tell you upfront on every listing. Many of our lots have none at all. Where there is a small POA (typically $10–$25 a month in these subdivisions), it's stated on the parcel page — we avoid the expensive associations entirely.

Can I visit the property first?

Please do — go walk it. We'll send you the parcel number, GPS pin, and the county's parcel map so you can find the corners. Plenty of buyers purchase sight-unseen from the aerials and maps, but we would rather you see it.

What happens if I miss a payment?

Call me before it happens and we'll usually work it out — life happens. Formally, payments have a grace period, then late status, and a note that goes far enough behind can be cancelled with the parcel returning to us. Nobody wins in that scenario, so we'd much rather adjust the schedule.

How do I know the title is clean?

We buy directly from owners of record and check the county's official records for liens, judgments, and unpaid taxes before we close on our end. For cash purchases we're glad to close through a title company if you'd prefer that extra layer — you'd just cover their fee.

Get new parcels first

The good lots go fast — usually to whoever is on the list. Drop your email and I'll send new inventory the day it's ready, before it hits the site.

Own land you don't want?

I buy vacant land for cash across Florida — including lots with back taxes. No agents, no fees, no cleanup. Tell me the parcel number and I'll make you an offer.

Call (512) 202-1928 Email me