Concho, AZ Land for Sale: 3.19 Acres with Owner Financing on County Rd 5072

Posted: June 29, 2026 by LandCentury

Some rural land listings are mainly about price. Others are about whether the parcel gives you a realistic starting point for ownership, future use, or a simple long-term hold. This 3.19-acre parcel in Concho, Arizona falls into that second category because it offers a manageable size, a residential zoning label in the listing, and owner financing that may help buyers who do not want to pay all cash up front.

The key is to treat this as a property worth researching, not a parcel to assume is automatically buildable. Land Century listing LC25322 covers parcel 201-28-338 on County: Rd 5072 in Concho, Apache County, Arizona 85924. The lot is listed at $25,591 cash or $26,200 with owner financing. Access is described as dirt road, and utilities are not specified beyond “Please, contract county,” which makes county verification one of the most important next steps.

If you are comparing land for sale in Concho, Arizona, this one may fit a buyer looking for space, lower holding costs, and flexible payment terms. It may also fit someone exploring future residential, recreational, RV, or mobile-home-related possibilities, but those uses should be confirmed against county rules before you move forward.

Property snapshot

Property number: LC25322
Parcel/APN: 201-28-338
Property type: Vacant land
Lot size: 3.19 acres
Location: County: Rd 5072, Concho, Apache County, Arizona 85924
Coordinates: 34.444309, -109.616150
Zoning: Residential
Road access: Dirt Road
Utilities: Listing says, “Please, contract county”
Deed type: Warranty Deed
Cash price: $25,591
Owner finance: price: $26,200
Owner finance: terms: $1,000 down, $200 non-refundable doc fee, then $600 per month for 42 months, with taxes and fees included
Listed annual taxes: $54

That combination of acreage, residential zoning, and financing is what makes the parcel stand out. The biggest caveat is simple: confirm what the zoning allows in practice, what kind of access rights exist, and whether water, septic, and power are actually feasible for your intended use.

Location context

Concho sits in Apache County: in a rural part of Arizona where parcel-by-parcel research matters more than broad assumptions. A 3.19-acre lot can feel meaningfully different from a smaller subdivision lot because it may offer more separation, more layout flexibility, and more room to think about driveway placement, septic area, setbacks, and general usability.

At the same time, rural Arizona land often comes with the same core questions: Is the road publicly maintained or private? Is the building area affected by drainage or floodplain conditions? Would a well or hauled water setup be needed? Is septic approval likely? Those questions are normal, and this listing gives enough information to start research, but not enough to skip it.

For buyers still comparing options, you can also browse Arizona land for sale, look at broader vacant land for sale, or compare similar owner finance land deals before deciding whether this parcel fits your budget and goals.

Pricing and financing

The listing presents two clear price paths.

Cash purchase: $25,591
Owner-finance purchase: $26,200

For a financed purchase, the listing states $1,000 down plus a $200 non-refundable document fee, followed by $600 per month for 42 months. Taxes: and fees are described as included. That can make budgeting easier, but buyers should still review the actual payment agreement carefully and confirm whether there are any late-payment terms, prepayment rules, servicing details, or deed-delivery conditions.

Because the financed price is higher than the cash price, it is worth comparing the convenience of monthly payments against the total amount paid over time. If financing is your main reason for considering this parcel, read the paperwork as closely as you would the land itself.

Due diligence checklist

Before buying, work through the basics in a deliberate order. This is where good rural land decisions usually happen.

Confirm parcel identity: Use parcel 201-28-338 and property ID LC25322 across every county and title lookup.
Check zoning directly: The listing says Residential, but ask Apache County: whether that zoning supports your intended use right now.
Ask about permit eligibility: Residential zoning does not always mean automatic building approval.
Verify road access: Confirm whether the dirt road access is public, private, or easement-based and whether it is practical year-round.
Research utilities: Since utilities are not specified, verify power proximity, water options, and whether septic would be required.
Review flood and drainage: Ask whether floodplain, drainage, or wash conditions affect the usable building area.
Check taxes and assessments: Confirm whether the listed $54 tax figure is current and whether any additional assessments apply.
Review title and deed chain: A Warranty Deed is a useful listing fact, but buyers should still confirm clean title before closing.
Map the boundaries: Use the coordinates and county parcel mapping to understand shape, access route, and nearby parcels.
Match the land to your use: If your plan involves a home, RV, mobile home, part-time camping, or holding the parcel for later, confirm each use independently.

Official source context

Apache County: is the right place to verify the issues that matter most here. The county’s Community Development department handles planning, zoning, permits, and inspections, which makes it the best official starting point for questions about what this parcel can legally support. You can begin that research here: Apache County Community Development.

That matters because the listing gives a useful starting picture, but county review is what turns a land idea into a yes, no, or maybe. On parcels like this, zoning language, access status, septic requirements, and floodplain review can change how usable the land is for a specific buyer.

Questions buyers may ask about this property and area

What exactly is being sold here?

A 3.19-acre vacant land parcel in Concho, Apache County, Arizona. The parcel number is 201-28-338 and the property number is LC25322.

What are the purchase prices?

The cash price is $25,591. The owner-finance price is $26,200.

What are the owner financing terms?

The listing states $1,000 down, a $200 non-refundable doc fee, and $600 per month for 42 months, with taxes and fees included.

Is the parcel zoned residential?

Yes, the listing identifies the zoning as Residential. Buyers should still confirm with Apache County: that the current zoning supports their intended use and permit path.

Is this parcel definitely buildable?

No listing should be treated that way without county confirmation. Buildability should be verified with Apache County: Community Development and related county mapping or permit offices.

What does the listing say about utilities?

Utilities: are not specifically identified. The listing says to contact the county, so water, septic, sewer, and power should all be treated as unconfirmed until verified.

What kind of road access is listed?

The listing says Dirt Road. Buyers should confirm whether that access is county-maintained, private, or easement-based.

How can I research the parcel in county records?

Start with the parcel number 201-28-338 and compare it against county assessor, GIS, zoning, and recorder information so the ownership, map location, and lot details all match.

Are the listed taxes high or low?

The listing shows taxes of $54, which is low as a holding-cost figure. It should still be verified against the current county tax record.

What should matter most to a rural land buyer here?

Access, permit eligibility, flood or drainage conditions, power availability, water strategy, septic feasibility, and title review are the main items that can change whether the parcel fits your plan.

Next step

If this parcel is in your price range and the size works for your plans, the smart move is to line up county verification before making assumptions. Start with the official county questions, then review the seller terms, and finally compare this parcel against your other options. When you are ready to see the full property page, maps, and listing details, view the full Land Century listing.

Useful buyer links

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