$9,900
106 SHIRLEY Circle, Georgetown, FL 32139, Georgetown, FL 32139
Paradise Lakes
- Price
- $9,900
- Beds / Baths
- 0 / 0
- Living area
- 0 sqft
- Year built
- 0
- Type
- Land
- Lot
- 0.44 ac
- Garage
- 0
- HOA
- $5/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 55
.44 acre lot on small pond (currently dry) which adds a nice privacy buffer to bird watch. Zoned for site built or manufactured homes. Small HOA annual fee gives access to common area with boat ramp, pier and RV campsite (additional small fee) on Lake George. Quiet country living but lots of area parks and access points to the St. Johns River for recreation. Owner financing possible with 2k down, 12% interest for 3 years.
What to check on this one
- Verify HOA covenants allow site-built AND manufactured homes; confirm $5/mo covers boat ramp/pier access
- Obtain flood zone designation from FEMA; confirm pond-dry status and drainage patterns during heavy rain
- Walk lot boundary; measure setbacks for septic/well if no municipal service available in Georgetown
- Confirm owner-financing terms in writing: 2k down, 12% APR, 3-year balloon, prepayment penalties
- Review HOA reserve study and any pending assessments; check Lake George/St. Johns access easement status
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $7,920 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of MODERN REALTY OF FLORIDA. Data via realMLS (Northeast Florida MLS), updated Jul 9, 2026, 12:37 AM.
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