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The concept of the Florida frontier evokes images of untouched landscapes, rich historical tapestries, and an enduring spirit of self-reliance. Located in the back section of the Golden Ranches subdivision in eastern Charlotte County, Florida, "High Prairie Acres" stands as a premier example of this timeless appeal. A remote five-acre parcel adjacent to an expansive mitigation ranch, High Acres represents a unique sanctuary for those seeking to immerse themselves in a traditional, off-grid agricultural lifestyle. The surrounding prairies were historically traversed by Spanish conquistadors and the indigenous Calusa Tribe. In later centuries, renowned Western artist Frederic Remington and legendary Florida cattlemen like Bones Mizell ranged the area. Records indicate the five-acre tract has never been cleared or farmed, save for range cattle that grazed the land many decades ago. Today, it remains a pristine fragment of the original Florida frontier. The physical characteristics and local infrastructure of Golden Ranches further emphasize its isolation and suitability for self-sufficient living. Golden Ranches spans a 1, 280 acre area characterized by scattered, small ranchettes and undeveloped parcels, predominantly held by out-of-state property owners. Situated at a comfortable elevation of 50 to 60 feet above sea level, High Prairie Acres features native Florida flora, including scattered pines, a few oaks, and palmetto. Access to the property is dictated by private, owner-maintained dirt and marl roads featuring basic ditching. Because there is no formal Property Owners Association (POA) or county maintenance, infrastructure upkeep relies entirely on neighborly cooperation. Furthermore, the land lacks immediate access to municipal power lines, necessitating the use of solar arrays or generator systems, alongside the installation of private septic and well. Despite its lack of modernization, the property offers unparalleled freedom due to its favorable regulatory environment and recreational potential. High Prairie Acres features no deed restrictions and is governed strictly by Charlotte County's Agriculture (AG) zoning district guidelines. This classification is explicitly designed to safeguard rural privacy and support agricultural operations by limiting residential development to a low density of one home per parcel. This flexible zoning accommodates a wide range of rural endeavors, from conservation projects and traditional farming to seasonal recreation. Depending on the time of year, residents can engage in outdoor activities such as ATV riding, fishing, and seasonal hunting activities on neighboring state game and private preserves. Free from the light and noise pollution of nearby cities—evidenced by the fact that the nearest homes are many lots away—the property serves as a blank canvas for the imagination. The vivid sunrises, sweeping sunsets, and unobstructed views of millions of stars offer a dramatic visual display that rivals the works of the great artists who once drew inspiration from the region. For individuals who understand and desire the quietude of a rural lifestyle, High Prairie Acres stands as an exceptional opportunity to build a personal legacy on the historic Florida prairie.
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William Raveis Mortgage, LLC
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $119,200 | $119,200 | $119,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.512% | 5.866% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $714 | $744 | $982 |
| Total Monthly Payment | $789 | $819 | $1,057 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.