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5-Acre Wooded Lot near Panama City
Available
📍 Northern Bay County, FL, FL · 5.00 acres · Bay County
$18,900
or $199 down + $249/mo
Beautiful 5-acre wooded parcel just 25 minutes north of Panama City. Mature pines and hardwoods throughout with a cleared homesite pad. County-maintained dirt road frontage and Gulf Power lines at the property. Perfect for a weekend retreat, hunting camp, or future homestead.
Features
WoodedRoad FrontagePower AvailableCleared HomesiteHuntingQuiet & Private
Property Details
Acreage
5.00 acres
County
Bay County
Zoning
Agricultural
Road Access
Yes
Location
🗺 View on Google Maps → 30.3241000, -85.6897000💰 Monthly Payment
Own this land with a low monthly installment — no bank approval required.
$249
/mo
Down Payment
$199
Term
84 mo
Interest Rate
9.90%
Total Cost
$21,115
✓ No credit check
✓ No closing costs
✓ Immediate access
Apply Now →
💬 Frequently Asked Questions ▾
What is owner financing?
Owner financing (also called seller financing) is when the seller acts as the lender. Instead of going through a bank, you make monthly payments directly to the property owner. There is no credit check, no mortgage broker, and no waiting for bank approval.
Do I need a credit check?
No credit check is required. Owner financing is based on your intent and ability to make payments, not your credit score. This makes it an accessible path to land ownership for buyers who might not qualify for traditional bank financing.
What happens if I miss a payment?
Each property listing has payment terms including a grace period and late fee structure. In serious cases of non-payment, the seller may have the right to terminate the agreement. The exact terms are documented in the land sale contract you sign before purchasing.
Can I build on the land immediately?
Generally yes, but it depends on local zoning and permitting requirements. Some properties allow construction immediately, while others may have restrictions or require permits. Check the zoning information in the property listing and verify with your county planning office before purchasing.
How do I make monthly payments?
Monthly payments are made securely through Stripe. You can set up automatic billing so your payments process on time each month without any manual steps.
Is there a prepayment penalty?
No, there is no prepayment penalty. You can pay off your land early at any time without any extra fees or penalties. Many buyers choose to pay ahead to own their land sooner.
