Lovelock (Owner Finance -No Credit Check $1,300.00 a month!), NV Land for Sale: 241 Acres with Owner Financing
If you are looking for a large rural Nevada land tract with seller financing, this Pershing County parcel deserves a careful look. The draw is acreage and flexible purchase structure; the work is verifying access, water, permits, and what the county will allow on the ground.
The listing identifies APN 008-220-20 as 241 +/- acres on Tehema Canyon Rd near Lovelock, Nevada. Pricing is listed at $195,995 cash, with an owner-finance price of $139,995 and stated terms that include 3.99% interest over 120 months.
The listing also states Residential zoning, dirt road access, and “Solar and well Needed.” Those are important starting facts, not final guarantees of buildability, utility availability, year-round access, or water feasibility.
Property snapshot
Here are the core facts a buyer should understand before deciding whether to tour, make an offer, or begin county research.
Places the parcel in rural Pershing County, where county planning rules, access, and utility planning are central to the purchase decision.
This is a large land holding, which can offer more room for privacy or long-term plans but also increases the importance of boundary, access, and site-condition checks.
Use this identifier when checking county assessor, recorder, tax, GIS, and planning records.
The legal description should be matched against deed records, title work, and any survey or GIS boundary review before closing.
Residential zoning is a useful clue, but the exact county zoning district, permitted uses, density rules, setbacks, and permit requirements still need confirmation.
Dirt-road access affects vehicle choice, emergency access, maintenance responsibility, seasonal usability, and development logistics.
No existing utility hookups are stated in the supplied data, so a buyer should budget for off-grid power, water, septic, and feasibility studies if development is planned.
The listing states a warranty deed, but buyers should still verify chain of title, encumbrances, easements, and closing process through proper records and title review.
Area setting: rural Pershing County near Lovelock
This property is positioned in Pershing County, Nevada, with Lovelock identified as the nearest named place in the listing. For a buyer, that matters less as a lifestyle label and more as a jurisdictional fact: Pershing County planning, building, assessor, treasurer, and recorder resources are the key places to verify land-use and ownership details.
The general setting is rural northern Nevada, where large parcels often require self-supplied infrastructure. The listing’s “Solar and well Needed” note points toward an off-grid planning process rather than a plug-and-play homesite with public utilities already in place.
Parcel-specific conclusions still require verification. A map image labeled “BLM Surrounding” appears in the listing materials, but buyers should not assume public-land adjacency, access rights, or recreational use privileges without confirming official land boundaries, easements, and road status.
Potential uses and buyer fit
This parcel is best viewed as a large rural land opportunity for buyers who are comfortable doing due diligence before development. The acreage, stated Residential zoning, and owner-finance option may appeal to buyers seeking space near Lovelock, but no use should be treated as approved until Pershing County and state requirements are checked.
Because the listing says solar and a well are needed, development-minded buyers should think in terms of a full infrastructure plan: power generation, water source, septic, driveway or road work, permits, and ongoing maintenance.
- Rural residential concept, only if Pershing County confirms the exact zoning district, allowed dwelling type, setbacks, driveway requirements, septic feasibility, and building-permit path.
- Off-grid homestead or retreat planning, conditioned on well feasibility, water-right rules, septic approval, solar design, legal access, and emergency-service considerations.
- Mobile home or RV-related use, only if county zoning, duration-of-stay rules, sanitation requirements, permits, and any restrictions allow it.
- Agricultural, grazing, or low-intensity land use, only where permitted by zoning and compatible with water availability, fencing, access, terrain, and environmental constraints.
- Long-term land holding for buyers who understand carrying costs and risk, with no assumption of appreciation, income, subdivision potential, or future approvals.
Due diligence checklist for APN 008-220-20
Large rural land can be rewarding, but the purchase should be driven by verification. Use the APN, legal description, and coordinates as your starting points, then confirm each practical issue in writing where possible.
Confirm zoning and permitted uses
Ask Pershing County Planning and Building to verify the exact zoning district tied to APN 008-220-20, whether “Residential” matches the official map, and whether your intended use is permitted, conditional, or prohibited.
Review deed, title, and legal description
Use county recorder records and title review to match the legal description, confirm chain of title, identify easements or restrictions, and understand how and when the deed transfers.
Verify taxes and assessments
The listing states annual taxes of $303 and monthly taxes of $10.41 in the financing terms. Confirm current taxes, delinquencies, special assessments, and valuation with the county before budgeting.
Check legal and physical access
Do not rely on the words “Dirt Road” alone. Confirm whether Tehema Canyon Rd or any connecting route is public or private, who maintains it, whether access is deeded, and whether it is usable in different seasons.
Investigate water and well feasibility
The listing says a well is needed. Check Nevada water rules, existing well records if any, domestic-well requirements, drilling feasibility, estimated costs, and whether any water rights or limitations affect your intended use.
Plan septic and off-grid power
No public utility hookup is stated. Buyers considering a residence or long-stay use should investigate septic approvals, soil or perc requirements, solar design, backup power, communication options, and contractor availability.
Review flood, drainage, and terrain risk
Use official flood-map resources and site review to evaluate mapped flood hazards, washes, drainage paths, erosion, canyon conditions, and any low-lying or access-sensitive areas.
Read the owner-finance contract carefully
The listing states 3.99% interest over 120 months with $1,391.41 total monthly payment and $3,995 due today. Confirm late fees, prepayment terms, default rules, payment servicing, taxes, insurance obligations, and deed timing before paying.
For flood hazard review, the FEMA Map Service Center is the official federal source for flood map information. Buyers can use parcel location details or coordinates to research mapped flood zones as part of their broader site diligence.
Owner-finance terms shown in the listing
Owner financing is one of the main differentiators for this parcel. The supplied listing data shows an owner-finance purchase price of $139,995, 3.99% interest, a 120-month loan term, monthly taxes of $10.41, a total monthly payment of $1,391.41, a $20 loan processing fee, and $3,995 total due today.
The listing also shows a separate cash price of $195,995. Because seller-finance contracts can vary widely, buyers should review the actual agreement rather than relying only on the summary terms.
- Is the $1,391.41 monthly payment fixed for the full 120-month term?
- When does the warranty deed transfer: at closing, after payoff, or under another arrangement?
- Are there prepayment penalties, late fees, balloon payments, or servicing fees?
- Who pays property taxes, insurance if required, recording fees, and closing costs?
- What happens if the buyer defaults, and how much cure time is provided?
How to compare this parcel with other Nevada land
Compare this property against other Nevada land by separating size, infrastructure, access, and financing. A 241 +/- acre parcel may offer more space than a small platted lot, but the listing also indicates dirt-road access and the need for solar and a well, which can add major planning and cost considerations.
For buyers comparing owner-financed parcels, focus on total payment, deed timing, taxes, road status, water feasibility, and permit path—not just the headline monthly amount. A lower-friction parcel with utilities may cost more upfront, while a remote parcel can require more work after purchase.
Property video
The listing includes a property video for additional visual context. Use it as a starting point, then verify boundaries, access, utilities, and local rules independently.
Questions buyers may ask about this property and area
Bottom line
This is a large 241 +/- acre Pershing County land listing with a clear buyer hook: owner financing and substantial acreage near Lovelock. The parcel details are specific enough to begin serious research, including APN 008-220-20, Tehema Canyon Rd, stated Residential zoning, dirt-road access, and listed pricing.
The property is not a turnkey utility-served lot based on the supplied data. The note that solar and a well are needed should move water, septic, road access, and power planning to the top of the buyer checklist.
If the financing terms fit your budget and the rural setting fits your goals, the next step is not guesswork. Review the full listing, then verify zoning, title, taxes, water, flood status, and access through the appropriate county, state, and federal sources.
Ready to review the listing details?
See the full LandCentury listing for photos, seller information, pricing, and inquiry options, then use the checklist above before making a purchase decision.
Helpful next research paths
Compare Nevada land, vacant land, and owner-finance opportunities while you verify this parcel’s county records and development requirements.
You Might Like
Land for Sale in Wisconsin - Where to Find Affordable Land
Home to over 5.7 million people, Wisconsin is a Midwestern state in the Great Lakes area. Lake Superior sits to the north, which provides the state with a diverse landscape...
Business Ideas for Vacant Land - How to Create Income Producing Assets
Vacant land offers ample opportunity to become an income producing asset. Uncover how people, just like you, are making a living off of their vacant land today.
Cheap Land Opportunities Near Bombay Beach, California
Bombay Beach is situated along the southeastern shore in California. The city has just 0.9 square miles of land, and the population is just 298 people. This is an exclusive...