Concho AZ Land for Sale: 0.51 Acres in Apache County with Owner Financing
If your search is for low-entry rural Arizona land, this parcel is the kind where due diligence matters as much as the asking price. Access, allowed use, and utility feasibility should all be checked before you plan improvements.
This listing is for parcel 212-25-498, Concho Park Estates Unit I Lot 498, on CR 5318 in Concho, Apache County, Arizona 85924. The property is listed at 0.51 acres, or 22,215 square feet, with a $3,500 cash price and a $5,400 owner-finance price.
The listing states Agriculture zoning, dirt road access, and well and septic needed. Treat those as starting facts to verify with Apache County records, title and easement research, and site-specific utility and permit checks, not as guarantees of buildability.
Property snapshot: what is listed and why it matters
The core facts are clear enough to identify the parcel, price structure, and main buyer questions. The next step is verifying county records, access, and development requirements before treating the lot as ready for a specific use.
Use this identifier when checking Apache County assessor, GIS, tax, and title records.
This ties the property to a specific subdivision lot and is important for title review and plat research.
The county controls key records and local permitting questions for this rural Arizona parcel.
This is a small rural land parcel, so setbacks, septic placement, access, and permitted use should be checked carefully.
The listing’s zoning label is useful, but the county must confirm the specific allowed uses, setbacks, and permit requirements.
These are major due-diligence items because legal access, maintenance, water, and wastewater feasibility are not proven by the listing alone.
Cash and financing have different total costs, so buyers should compare the full purchase structure before deciding.
The deed type is helpful, but buyers should still review title, liens, recorded easements, and closing documents.
Concho and Apache County setting
Concho is a rural Apache County, Arizona area where land buyers usually need to focus on practical questions first: how the parcel is reached, what the county allows, whether water and septic are feasible, and what recorded documents affect use.
For this specific lot, the supplied facts place it on CR 5318 in ZIP 85924 and identify it as Concho Park Estates Unit I Lot 498. General county maps and GIS tools can help orient you, but county mapping is not a substitute for a survey, title work, or legal access verification.
Because the lot is 0.51 acres, the small size makes layout questions more important. A buyer considering any structure, RV use, septic system, well, driveway, fencing, or storage should verify usable area, setbacks, drainage, and access before budgeting improvements.
Potential uses to evaluate before you buy
This parcel may fit buyers looking for an affordable rural land position in Concho, but each use depends on Apache County zoning, permits, legal access, utilities, water, septic, recorded restrictions, and site conditions.
The safest way to think about this lot is as a property to verify, not a property to assume. The listing gives a starting point: Agriculture zoning, dirt road access, and well and septic needed. The county, title work, and site inspection determine what is actually practical.
- Future rural homesite or manufactured-home site, only if Apache County confirms the use, setbacks, permits, access, septic, and water requirements.
- RV or camping-style use, only if local rules allow the duration and setup and waste disposal requirements can be met.
- Small-scale agricultural, gardening, or low-impact rural use, only if the Agriculture zoning designation and any subdivision rules permit the activity.
- Recreational day-use or a personal rural base, provided legal access, road condition, and any use restrictions are confirmed.
- Longer-term land hold for a buyer comfortable with rural due diligence, ongoing taxes, and the cost of verifying title, access, and utilities.
Due diligence checklist for parcel 212-25-498
Before purchasing rural land in Apache County, verify the property through official records and site-specific research. These checks are especially important here because the listing notes dirt road access and well and septic needed.
Confirm assessor and tax records
Look up parcel 212-25-498 through Apache County records. Check ownership, assessed information, tax status, and whether any delinquency or special assessment appears before closing.
Review GIS, plat, and boundary context
Use county GIS and subdivision plat information to understand where Concho Park Estates Unit I Lot 498 sits. Treat map data as a starting point, not a survey or legal boundary determination.
Verify zoning and allowed uses
Ask Apache County Planning and Zoning what Agriculture zoning allows on this exact lot. Confirm residential, manufactured-home, RV, agricultural, storage, and temporary-use rules before relying on any planned use.
Confirm legal access and easements
The listing states dirt road access, but buyers should confirm a recorded right of access, any easements, and whether the route is public or private. Title work and recorder documents are important here.
Check road condition and maintenance responsibility
A dirt road can vary by season and maintenance arrangement. Verify whether CR 5318 is publicly maintained, privately maintained, or subject to road fees or informal maintenance obligations.
Research well and septic feasibility
Because well and septic are listed as needed, confirm permitting, site suitability, water availability questions, septic layout, and environmental health requirements before budgeting improvements.
Review title, restrictions, and possible association rules
Request title evidence and check for liens, covenants, subdivision restrictions, access limitations, mineral reservations, and any HOA, POA, or road association obligations that are not shown in the listing.
Inspect the site and check drainage or flood concerns
If possible, walk or inspect the parcel. Look at terrain, drainage, wash exposure, usable area, and practical access, then cross-check relevant county or FEMA map information if water flow is a concern.
The Apache County Assessor is the best official starting point for parcel-level verification. Use the parcel number and legal description, then cross-check GIS, tax, ownership, and planning information before purchase.
Owner financing terms listed for this property
The listing includes two price paths: a $3,500 cash price and a $5,400 owner-finance price. Seller-provided terms list a $500 down payment, 10% APR, and a $249 processing and origination fee for new loans.
Monthly examples in the listing are $104.11 for 5 years, $81.35 for 7 years, and $64.75 for 10 years. The terms also state contract for deed, with deed transfer after final payment.
Before signing, compare the total financed cost with the cash price and review the contract terms carefully. Ask about prepayment, default, late fees, taxes during the contract period, closing documents, and exactly when deed transfer occurs.
- What is the total amount paid over the full term, including down payment, monthly payments, APR, and the $249 fee?
- Is there a prepayment penalty or can the balance be paid off early?
- Who is responsible for property taxes, recording costs, and any county or title fees during the contract period?
- What happens if a payment is missed, and how is default handled?
- What documents will confirm the buyer’s interest before the deed is transferred after final payment?
How to compare this parcel with other Arizona vacant land
At 0.51 acres, this is a small rural lot rather than a large acreage tract. Compare it with other vacant land by looking beyond price: parcel identity, deed type, legal access, zoning, utility path, taxes, title condition, and total acquisition cost all matter.
The low cash price and owner-financing option may be attractive to entry-level land buyers, but rural lots can become expensive if access, water, septic, or permitting is difficult. Compare verified facts, not just dollars per acre.
Questions buyers may ask about this property and area
Bottom line for buyers
This parcel is best for a buyer who wants a low-priced, clearly identified rural Apache County lot and is prepared to verify the development path before committing improvement money.
The attractive listed facts are straightforward: 0.51 acres, a $3,500 cash price, an owner-financing option, a parcel number, and a legal description. The unresolved items are the ones that determine real-world fit: legal and practical access, permitted use, water and septic feasibility, title condition, and any recorded restrictions.
If those checks line up with your intended use and budget, this could be a simple entry point into Concho-area land ownership. If you need confirmed utilities, paved access, or proven buildability, treat those items as unverified until official records and professional review say otherwise.
Ready to review parcel 212-25-498?
Open the full listing to confirm availability, pricing, financing terms, photos, and seller contact details, then use county records for independent verification.
Helpful next steps
Compare this property with other Arizona land, review vacant land options, and use the owner-finance category if monthly-payment structure is part of your buying plan.
You Might Like
Horseshoe Bend, AR Land for Sale: 0.30 Acres with Owner Financing & Power Nearby
0.30 acres in Horseshoe Bend, AR with $80 down owner financing, residential zoning, and dirt road access to verify.
Advantages of Getting into Private Real Estate Auction Clubs
Private clubs. Exclusivity and knowing the right people to get things done. While you may have heard of other private clubs in the past, you may have never heard of...
What is Land Entitlement? Understanding Entitlement Process
Most people purchase land for one purpose: to develop it. Whether that means building a home, shopping center or apartment complex, a large percentage of land buyers search for properties...