0.18 acres for sale in Holly Hill, FL — Lot 4, Blk 20

The county's permanent ID number for this piece of land. Also called an APN or strap number. It never changes, even when the land is sold.

For example Give this number to a title company, a surveyor or the county and they will know exactly which parcel you mean - street addresses on vacant land are often wrong or absent.

Which government writes the rules for this parcel. Land outside every city is 'unincorporated' and answers to the county. Land inside a city answers to that city.

For example Two neighbouring parcels can sit under completely different rules if the city limit runs between them. Always ask the right office - the county cannot permit a city parcel.

The size of the parcel. Where the county has no recorded acreage we calculate it from the mapped boundary and label it estimated.

For example Mapped boundaries and recorded deeds disagree more often than people expect. Only a survey settles the question, and a survey is the buyer's expense.

Zoning is the rule the local government has already attached to this land saying what you are allowed to build on it. It is set by the county, or by the city if the parcel is inside city limits, and changing it means applying for a rezoning.

For example A parcel zoned for single-family homes can take a house. The same parcel zoned Resource Corridor is intended to stay largely undeveloped. Same dirt, very different plans.

An overlay is an extra layer of rules sitting on top of the base zoning, usually to protect something - wetlands, wildlife habitat, an airport flight path, a historic area. The base zoning still applies, and the overlay adds restrictions.

For example Volusia County's Environmental Core Overlay covers land with high habitat value. Building inside it can require an environmental assessment and may limit how much of the parcel you can clear.

Whether the parcel touches a legally usable road. Land with no legal access is landlocked: you cannot lawfully drive to it without an easement from a neighbour.

For example A landlocked parcel can still be worth buying - as an addition to adjoining land you already own - but financing it or building on it is usually not possible.

Whether electric distribution already runs along the road. Where it does not, the utility will quote you to extend it, and the cost is yours. Nothing here has been confirmed with the utility yet. Where the listing says power is almost certainly at the road, that is read off the county's own records - a neighbouring lot the county classes as a dwelling, or a numbered highway within 400 feet - and it says which. Everywhere else it says not checked rather than guess.

For example A quarter mile of new line can run into five figures. Ask the utility for a written estimate before you close, not after.

Whether a public water main or a public sewer line runs to the street. Where it does not, the parcel needs a private well and a septic system, and septic needs soil that will take it. Where we have not confirmed it either way, we say so rather than guess.

For example A septic permit depends on soil type and water table. On wet ground the health department can refuse one outright, which makes a home impossible.

The FEMA flood zone mapped over this parcel. Zone X is outside the mapped 1-percent floodplain. Zones beginning with A or V are inside it.

For example In an A or V zone a lender will require flood insurance, and a habitable building has to be elevated above the base flood elevation - which adds real cost to construction.

The share of the parcel mapped as wetland. Wetlands are regulated by the state and by the Army Corps of Engineers, and filling or building on them needs permits that are slow, expensive and often refused.

For example A 5-acre parcel that is 80 percent wetland may have well under an acre of usable ground, and the buildable part may be in the wrong place for a driveway.

Whether a homeowners association has authority over this parcel, and what it charges. An HOA can restrict what you build, and its dues run with the land. An HOA needs a recorded declaration of covenants to exist at all, so what matters is whether one is indexed against the parcel. "No recorded declaration found" means the clerk's official-records index was searched and nothing came back; it is not the same as a title search, and that index does not reach back before April 1988.

For example Searching Florida's corporate registry is a start, not an answer. Six active Florida associations are called Magnolia Manor, in different counties, so a name match proves nothing - and a dissolved association can leave covenants that still run with the land. Only the recorded declaration tied to this plat settles it.

What this parcel is taxed each year. Marked verified, the figure is the county's own - the property appraiser's tax table or the TRIM notice - and it includes any non-ad-valorem assessment. Marked estimated, we multiplied the certified taxable value by the published millage for this parcel's tax district and showed the arithmetic, because an unexplained number is not evidence; those cover ad valorem only.

For example Taxes usually rise after a sale, because the sale resets the assessed value to roughly what you paid. And watch the non-ad-valorem line: stormwater, garbage and fire assessments are charged per parcel rather than on value, so on a cheap lot they can be most of the bill - one parcel here is taxed $5,686 on value and another $1,610 on top of it in assessments.

The value the tax is calculated on, after any assessment caps. It is not what the land would sell for, and it is usually well below market.

For example Florida caps annual assessment increases on non-homestead property at 10 percent for everything except school levies, so the school taxable value is often the higher of the two.

How the current owner got title, and the deed that did it. A warranty deed is the ordinary one, where the seller guarantees the title. A tax deed comes from the county auctioning land for unpaid taxes. A quit claim transfers whatever interest the signer had, with no guarantee that they had any. A special warranty deed guarantees only the years the seller owned it, not the whole chain.

For example The deed type decides how easy the land is to insure and finance, which often matters more than the land itself. Give the book and page to a title company and they can tell you in an afternoon.

The legal description is the words in the deed that define the land - lot and block in a recorded subdivision, or a metes-and-bounds description, or a section-township-range call.

For example 'Lot 9, Block 90, Interlachen Lakes Estates' identifies a specific platted lot. The legal description, not the acreage or the address, is what actually gets conveyed.