Lovelock (Owner Financing and No Credit Check -Lowest Interest Rate on the Market!), NV Land for Sale: 41 Acres with…
If you are shopping for rural Nevada land, this parcel is the kind of listing that deserves a closer look and a careful verification process. The acreage is substantial, the price is clearly stated, and the owner-finance option may appeal to buyers who want a defined monthly payment instead of a cash-only purchase.
Listing LC25661 is a 41-acre vacant land parcel on Coal Canyon Road in Lovelock, Pershing County, Nevada 89419, identified as parcel 015-290-08888. The supplied listing data shows a cash price of $24,995 and an owner-finance price of $32,995.
The main caveat is land-use verification. The structured listing field says Residential, while the legal description references AMR. Treat any plan for a house, cabin, manufactured home, RV setup, or long-term occupancy as something to confirm with Pershing County before purchase.
Property snapshot
Here are the listing facts that matter most for a buyer evaluating this Coal Canyon Road parcel. Several are strong identifiers for county-record searches; others are starting points that still need field and agency verification.
Use this number when asking LandCentury about the property or comparing listing details.
This is the best identifier for assessor, recorder, GIS, title, and planning questions.
The acreage affects use options, access planning, utility costs, and any county density rules.
This places the property in a rural Pershing County setting near the Lovelock area.
These references help a title company or buyer trace the recorded map and legal identity.
This mismatch is important because AMR land-use rules may be more restrictive than a simple residential label suggests.
The listing notes a starting infrastructure picture, but legal access, service distance, and install costs still need confirmation.
A low tax figure can be helpful, but it should be verified with current county tax records before closing.
Coal Canyon Road and the Pershing County setting
This is a rural Nevada land listing in Pershing County, with the parcel identified on Coal Canyon Road near Lovelock and within the broader Buena Vista Valley context referenced in the legal description. The listing data gives a specific parcel number and legal reference, which is useful because rural land decisions should be based on the exact lot, not general assumptions about the area.
General county context matters here. Pershing County documents describe AMR as an Agricultural-Mining-Recreation district associated with agricultural, mining, and recreational uses, and rural areas may have limited infrastructure. The county master plan context for AMR-160 also references low residential density, which is one reason the AMR reference should be checked carefully before assuming a residential permit path.
Parcel-specific facts remain separate from that broader context. The listing says paved road access and electricity available, but it also says septic and well are required. A buyer should confirm where power actually is, whether Coal Canyon Road provides legal year-round access to this lot, and whether water and septic are feasible on the specific site.
Potential uses, subject to county approval
The realistic buyer for this property is someone who wants acreage and is willing to verify the rules before committing to a use plan. The size, owner-finance option, and rural location may fit a long-term land buyer, recreational buyer, or someone exploring an off-grid or semi-off-grid setup.
The important point is that the listing categories and marketing language do not prove buildability. Any residential, RV, manufactured-home, cabin, camping, storage, agricultural, or recreational use should be conditioned on zoning, permits, legal access, utilities, water, septic, floodplain status, deed restrictions, and any county or recorded-map limitations.
- Large rural land holding near Lovelock for a buyer comfortable with county-record due diligence.
- Recreational or day-use land concept, only if Pershing County rules, access, and environmental conditions allow it.
- Future homesite study, only after resolving the Residential versus AMR issue and confirming a permit path for this exact parcel.
- Manufactured home, mobile home, or RV concept, only if county rules allow the specific use and duration of occupancy.
- Off-grid or semi-off-grid planning for buyers prepared to price a well, septic system, and any electric extension before closing.
Due diligence checklist before you buy
This parcel has enough detail to research properly, including an APN, legal description, recorded-map reference, road name, and financing terms. The checks below are the practical next steps before relying on the listing as a homesite, RV parcel, or long-term land hold.
Match the parcel in county records
Use parcel number 015-290-08888 to confirm acreage, owner of record, tax district, assessed details, and the legal description in county assessor or GIS records.
Resolve the zoning conflict
Ask Pershing County Planning and Building whether the controlling designation is Residential, AMR, or another county classification, and what that means for this exact lot.
Confirm allowed uses and permits
Before planning a dwelling, manufactured home, RV use, camping, accessory structure, agricultural use, or recreational setup, ask what permits, setbacks, minimum lot rules, and occupancy limits apply.
Verify legal and physical access
The listing says paved road access, but buyers should confirm whether Coal Canyon Road provides public access, recorded easement access, maintenance rights, and practical year-round entry to the parcel.
Price utilities, water, and septic
The listing says electricity is available and that septic and well are required. Confirm the electric service point, extension cost, well feasibility, septic permitting, soils, and any state or county requirements for onsite systems.
Review title, map, and recorded documents
Check the Lot 9 reference, Document No. 238892, any easements, restrictions, liens, mineral issues, or access documents through a title company and county recorder search.
Confirm taxes, flood, and drainage risk
Verify the $77 tax figure and reconcile it with the owner-finance tax line. Also screen the parcel for floodplain, drainage, washes, and site-specific constraints before designing improvements.
For flood and drainage screening, use FEMA’s Flood Map Service Center as the official public flood-hazard lookup. It does not replace a survey, engineering review, or county permit review, but it is a key early check for rural Nevada land.
Owner financing and cash-price context
The supplied listing data shows two prices: $24,995 cash or $32,995 with owner financing. The owner-finance terms list a 4.99% interest rate, a 66-month loan term, a $572.69 total monthly payment, $8.33 monthly taxes, an $11 loan processing fee, and $695 due today.
That structure may help a buyer who wants to spread the purchase over time, but the financed price is higher than the cash price. Compare the total financing cost, payment schedule, title timing, default terms, payoff rights, taxes, and any fees in the written agreement before signing.
- Does the written contract match the listing terms exactly?
- What is the total amount paid over the full 66-month term?
- When is the deed delivered, and what happens if the loan is paid off early?
- Who is responsible for taxes, recording costs, title work, and any servicing fees?
- Are zoning, access, and utility questions resolved before entering the finance contract?
How to compare this Pershing County parcel
Do not compare this property only by acreage and headline price. Compare it by verified zoning, legal access, road maintenance, utility distance, well and septic feasibility, flood or drainage exposure, title condition, and the total cost to make the land usable for your intended purpose.
Because this parcel has a Residential field and an AMR reference, it should be compared only after the county confirms what uses are allowed. A parcel with fewer acres but a clearer permit path may be more practical for some buyers, while a larger rural parcel may fit buyers focused on space, privacy, recreation, or long-term land ownership.
Questions buyers may ask about this property and area
Bottom line for buyers
This 41-acre Coal Canyon Road listing offers a clearly identified Pershing County parcel, a stated cash price, and a defined owner-finance option. The parcel number, legal description, acreage, deed type, and utility notes give buyers a useful starting point for research.
The most important issue is not the acreage; it is verification. The Residential field and AMR reference need to be reconciled before a buyer assumes a house, cabin, manufactured home, RV use, or any other development plan is allowed.
If your goal is rural Nevada acreage and you are prepared to verify zoning, access, title, utilities, well, septic, taxes, and flood risk before closing, this property is worth a disciplined look. If you need a guaranteed ready-to-build homesite, get written county and title answers first.
Review the parcel details before you decide
Open the full listing to confirm current availability, images, seller terms, and contact options, then work through the county and utility checks outlined above.
Useful LandCentury research paths
Compare this property with Nevada land for sale, vacant land listings, owner-finance land deals, and Mobile Home & RV Land options after confirming what Pershing County will allow on this parcel.
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