Lovelock -Owner Financing Deal ( Commercial & Residential Opportunity), NV Land for Sale: 240 Acres with Utilities
For buyers looking beyond a small desert lot, this is the kind of Nevada land package that deserves a careful, document-driven review: large acreage, stated mixed-use potential, and owner financing terms already posted in the listing.
The property is LandCentury listing LC25988, a 240-acre land offering on Old Victoria Road near Lovelock in Pershing County, Nevada. The cash price is listed at $196,500, with an owner-finance price of $209,995.
The listing reports Residential /Commercial zoning, paved road access, and city utilities available. Treat those as listing-supplied claims to verify with Pershing County, utility providers, title records, and a site-specific review before assuming a particular use is allowed.
Property snapshot: what is listed and why it matters
The most useful way to evaluate this tract is to separate confirmed listing facts from items that still need county, utility, and title verification.
Use this reference when asking about the LandCentury listing and supporting documents.
The listing places the property in the Lovelock area, but buyers should map the legal descriptions and APNs through county records before relying on service-area assumptions.
The two-parcel description makes title, access, tax, and utility review more important than on a single small lot.
Confirm how both described parcels are assessed, conveyed, mapped, and treated for access and land-use purposes.
A Warranty Deed is the stated conveyance type, but buyers should still order title review and check recorded exceptions or restrictions.
This is the listing’s zoning field, not a permit approval. Verify the exact Pershing County zoning district and allowed uses.
Paved access and utility availability should be confirmed as legal, physical, and serviceable for the intended use.
Verify current taxes with county records and compare the cash and financed structures before choosing a purchase path.
Area setting: Pershing County context for land buyers
This offering sits in the Lovelock area of Pershing County, where unincorporated land use is governed by county zoning and development standards. That matters because a broad listing phrase like Residential /Commercial still needs to match the county’s mapped district and use tables for the specific APNs.
Pershing County planning materials emphasize the importance of infrastructure when evaluating development. For this parcel, the listing’s statement that city utilities are available should be checked against actual utility service territory, connection rights, meter availability, extension costs, and any county or provider requirements.
The legal description references two tracts: one 80 +/- acre parcel and one 160 +/- acre parcel. Buyers should not assume both tracts have identical access, utility feasibility, tax treatment, or development potential until each legal description is mapped and reviewed.
Potential uses: realistic paths to investigate
The acreage, listed zoning field, and property categories point to several possible buyer strategies, but none should be treated as approved until Pershing County and utility due diligence are complete.
The best buyer for this property is someone who is willing to verify the land’s legal structure and infrastructure before committing to a home, business, RV setup, mobile-home placement, or any longer-term land plan.
- Residential acreage planning, if the exact county zoning district, setbacks, permits, water, sewer or septic, and power support the intended build.
- Commercial or mixed-use concept, only after confirming allowed uses, access standards, traffic implications, utilities, and any discretionary permit requirements.
- Mobile home or RV use, if county code allows the specific setup and any occupancy, duration, septic, water, and permit rules can be satisfied.
- Two-parcel ownership strategy, with each described tract reviewed for access, tax treatment, recorded rights, and future-use limitations.
- Long-term land ownership for buyers comfortable carrying taxes and completing title, access, utility, and environmental due diligence before making improvements.
Due diligence checklist before you buy
A large Nevada tract can be an excellent fit for the right buyer, but the value is in what the records and site conditions confirm. Start with these checks before relying on any use plan.
Confirm the exact zoning district
Ask Pershing County Planning & Building to confirm the mapped zoning or regulatory land-use district for APN 011-010-18 and APN 011-010-21, plus whether your intended use is permitted by right, conditional, or prohibited.
Map both legal parcels
The legal description references an 80 +/- acre tract and a 160 +/- acre tract. Confirm whether both are included in the sale, whether they are contiguous, and how each is shown in county GIS and assessor records.
Verify legal and physical access
The listing says road access is paved. Confirm whether Old Victoria Road reaches the parcel boundary, whether the access is public or private, and whether recorded easements or rights-of-way are sufficient for your intended use.
Confirm utilities with providers
Treat city utilities available as a claim to investigate. Verify water, sewer, power, meter availability, connection fees, extension distances, and whether service is available to each described tract.
Review water, septic, and site-development requirements
If public sewer is not available or if a rural system is needed, confirm soils, percolation, health requirements, setbacks, and permitting before planning a residence, RV setup, mobile home, or commercial use.
Check taxes, title, and recorded exceptions
Verify the $550 tax figure, confirm there are no delinquencies or special assessments, and review title commitments, deed history, easements, restrictions, and any recorded agreements.
Evaluate flood, drainage, and environmental constraints
Check FEMA mapping, local drainage patterns, seasonal access conditions, and any physical site limitations that could affect improvements, insurance, or usable acreage.
Read the owner-finance documents
The listing provides payment terms, but the final agreement should be reviewed for prepayment rights, default provisions, servicing fees, tax handling, insurance requirements, and any parcel-release language.
The Pershing County Development Code is the best official starting point for zoning, permitted uses, development standards, and the county process that controls land-use decisions for unincorporated property.
Owner financing terms to review
This listing includes both a cash price and an owner-finance structure. The cash price is listed at $196,500. The owner-finance purchase price is listed at $209,995.
The stated owner-finance terms show a 5.35% interest rate, a 216-month loan term, monthly taxes of $41.66, a total monthly payment of $1,371.94, a $12 loan processing fee, and $14,995 due today.
Because the financed price is higher than the cash price, buyers should compare upfront affordability against total cost, contract terms, taxes, servicing charges, and any prepayment or default provisions before choosing the financing route.
- Is the $1,371.94 total monthly payment fixed for the term, and what exactly is included in it?
- Are taxes, insurance, servicing, and processing fees handled through the seller, a servicer, or directly by the buyer?
- Is there any prepayment penalty if the buyer pays off the balance early?
- What happens if the buyer wants to improve, divide, refinance, or sell one of the described parcels during the loan term?
- What title, deed, or release documents are delivered at payoff?
How to compare this tract with other Nevada land listings
Do not compare this 240-acre offering only by acreage and asking price. The two-parcel legal description, listed paved access, stated utility availability, and owner-finance terms are all major value drivers that need verification.
Compared with a small residential lot, this tract requires a broader review: zoning district, utility service feasibility, road rights, water or septic path, survey boundaries, taxes, and any limits on commercial, RV, or mobile-home use.
When comparing it with other Nevada land, focus on the facts that change real ownership cost: confirmed legal access, confirmed utility connections, county-permitted uses, title condition, tax burden, and the difference between cash and financed pricing.
Questions buyers may ask about this property and area
Bottom line
This is a substantial Pershing County land package with clear headline appeal: 240 acres, two described tracts, a listed cash price, and posted owner-financing terms. For buyers seeking Nevada land near Lovelock, it is worth a close look.
The opportunity also depends on verification. The listing’s Residential /Commercial zoning field, paved access, and city utilities available language should be treated as starting points for due diligence, not final approvals or guaranteed buildability.
If the county records, title work, access review, and utility confirmations support your intended plan, the property may fit buyers considering residential acreage, commercial concepts, mobile-home or RV possibilities, or long-term land ownership.
Want to review the listing details?
Open the full LandCentury listing to see current availability, seller information, pricing, financing terms, and the property gallery.
Helpful next steps
Compare the listing with other Nevada land, review owner-finance options, and use Pershing County planning resources to confirm zoning and development rules before making a final decision.
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