Holiday Island (owner financing $299 a month), AR Land for Sale: 0.58 Acres with Paved Access & City Utilities
For buyers looking at smaller residential land in Holiday Island, this parcel is an approachable entry point: a sub-acre lot with listed paved-road access, city utilities noted, and an owner-financing option instead of an all-cash-only path.
LC26030 is a 0.58-acre vacant land parcel on Apache Drive in Holiday Island, Carroll County, Arkansas 72631. The listing shows a $6,495 cash price or a $7,495 owner-finance price with a $299 total monthly payment under the stated terms.
The key caveat is verification. Residential zoning, paved-road access, and city utilities are all listed, but buyers should confirm buildability, utility connection status, district rules, fees, flood conditions, and the legal description before closing.
Property snapshot for LC26030
The listing data gives this Holiday Island parcel several buyer-friendly starting points, especially the small residential-lot scale, owner financing, and local utility context. The items below separate what is listed from what still needs local confirmation.
Use this identifier when referencing the LandCentury listing or asking the seller property-specific questions.
This is the number to use for Carroll County records, GIS research, tax review, and title verification.
Places the property within the Holiday Island area while keeping county-level records and local district rules in view.
A small residential parcel can be practical, but setbacks, easements, driveway placement, and utility locations may determine usable area.
The adjoining-lot language should be clarified through title and county records so the buyer knows exactly what is being conveyed.
Helpful listing notes, but not proof of public maintenance, active meters, approved hookups, or connection costs.
Confirm whether this is the current annual tax amount and whether any SID, HOA, POA, or other assessments apply.
A warranty deed is listed, but buyers should still review title, restrictions, liens, easements, and the final conveyance documents.
Holiday Island and Apache Drive setting
Holiday Island is a planned community area in Carroll County where local district infrastructure and rules matter more than they do for many rural land purchases. Official Holiday Island Suburban Improvement District materials publish water and wastewater information, and official local materials identify building, code, utility, and road-related contacts for buyer verification.
For this specific property, the supplied listing places the lot on Apache Drive with coordinates in Holiday Island and lists paved-road access. That is useful for orientation, but buyers should still verify the exact frontage, maintenance responsibility, driveway requirements, and whether access is direct from the road or affected by easements.
Because the parcel is small, local rules can have an outsized impact. Setbacks, drainage, utility tie-in locations, sewer or septic requirements, and any subdivision restrictions may determine whether the lot fits a future home plan, a hold strategy, or another permitted residential use.
Potential uses and buyer fit
This lot is best evaluated as a small residential land opportunity, not as broad rural acreage. The strongest potential fit is a buyer who wants an affordable Holiday Island parcel and is willing to verify the local rules before committing to a building plan.
The listing’s Residential zoning, paved-road access, and city-utilities-available note are promising starting points, but they are not substitutes for permits, approvals, and site-specific checks. Any use should be conditioned on zoning, district rules, building setbacks, access, utility connection status, water and sewer availability, flood status, title, and recorded restrictions.
- Possible future residential homesite, only if Holiday Island and any applicable subdivision rules confirm the intended structure, setbacks, access, and utility connections.
- Small land hold in a developed Holiday Island setting, subject to taxes, assessments, maintenance rules, and any HOA, POA, or SID obligations.
- Buyer seeking owner-financed Arkansas land with a short 24-month financing term, provided the buyer is comfortable with the payment schedule and verifies all written loan terms.
- Neighboring-owner or local-buyer opportunity if the lot configuration, adjoining-lot language, and parcel boundaries support the buyer’s intended use.
Due diligence checklist before buying
Use the parcel number, legal description, and Holiday Island utility context to verify the property at the parcel level. The goal is to confirm what can actually be done on this specific lot, not just what is typical in the area.
Confirm parcel identity and boundaries
Pull the property in Carroll County records using parcel number 320-03816/170000000000. Compare the county record, GIS map, deed history, and legal description, especially because the listing references Lot 7 and also says Lot 6 & 7 together adjoining.
Verify zoning and permitted residential use
The listing says Residential, but buyers should confirm the current zoning classification, allowed structures, minimum building standards, setbacks, height rules, driveway requirements, and any design or subdivision restrictions with the appropriate Holiday Island contacts.
Check water and sewer connection details
The listing says city utilities available. Ask the Holiday Island utility or district contact whether water and sewer are available at this specific lot, whether a meter exists, what connection fees apply, and whether any upgrades or approvals are required.
Clarify access and road maintenance
Paved Road is listed, but buyers should confirm the exact road frontage, whether Apache Drive is publicly or district maintained, where a driveway could be placed, and whether culvert, sight-distance, or access permits are required.
Review taxes, assessments, and local fees
The listing shows taxes of $76 and monthly taxes of $8 in the owner-finance terms. Verify the current annual tax bill, assessment status, and whether any HOA, POA, SID, utility, road, or improvement district fees apply.
Run flood, drainage, and site checks
Review official flood-map information and inspect drainage, slope, easements, wetlands, or other site conditions that could limit building, utility placement, or long-term use.
Read the financing documents carefully
The listed owner-finance terms show a $7,495 purchase price, 3.99% interest, 24-month term, $299 total monthly payment, $8 monthly taxes, $5 loan processing fee, and $745 due today. Confirm prepayment rights, late fees, default rules, deed timing, and payoff procedure in writing.
Holiday Island Suburban Improvement District publishes official water and wastewater information. Use that source as a starting point to verify utility availability, service contacts, and connection questions for this specific parcel.
Owner financing terms to review
Owner financing is a central part of this listing. The cash price is $6,495, while the listed owner-finance purchase price is $7,495. The financing terms show 3.99% interest over 24 months, a $299 total monthly payment, $8 monthly taxes, a $5 loan processing fee, and $745 due today.
Those terms can make the lot more accessible for buyers who do not want to pay the full cash price upfront. The tradeoff is that the financed purchase price is higher than the cash price, and the buyer should understand the full contract, payment schedule, title transfer process, and any default or payoff provisions before signing.
- Is the $299 total monthly payment fixed for the full 24-month term?
- Can the loan be prepaid early without penalty?
- When is the warranty deed delivered under the financing agreement?
- Are taxes, assessments, or utility district charges billed separately from the stated payment?
- What late fees, servicing fees, or default provisions apply?
How to compare this lot with other Arkansas land
Compare this property first against other small residential lots, not larger rural acreage. At 0.58 acres, its value depends heavily on legal access, build rules, utility connection status, local fees, and how much of the parcel is usable after setbacks and easements.
For a financing-focused buyer, compare both numbers: the $6,495 cash price and the $7,495 owner-finance price. A lower upfront path may be worth it for some buyers, but the final decision should account for due-today amount, monthly payment, term length, taxes, assessments, utility hookup costs, and any closing or title costs.
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 on this Holiday Island lot
LC26030 offers a clear small-lot proposition: 0.58 acres in Holiday Island with a low listed cash price, owner financing, paved-road access noted, and city utilities listed as available. For buyers focused on affordable Arkansas land, those are meaningful starting points.
The decision should come down to verification. A buyer should confirm the parcel boundaries, legal description, Residential zoning status, building rules, water and sewer connection details, road maintenance, taxes, assessments, flood conditions, and title before treating the parcel as ready for a specific project.
If those checks line up with your intended use, this could be a straightforward way to secure a small Holiday Island parcel with a short-term owner-finance option. If any of those items are uncertain, resolve them before closing or budgeting for improvements.
Interested in LC26030?
Review the full listing details, compare the cash and owner-finance options, and ask property-specific questions before you move forward.
Helpful next steps
Use the LandCentury listing, Carroll County records, and official Holiday Island utility and permitting contacts to confirm the facts that matter most for your intended use.
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