Clayton, GA Land for Sale: 0.22 Acres with Paved Access & City Utilities

If you are comparing small residential lots in Rabun County, this one is worth a close look because it combines a low cash price with seller financing and listed public utility availability.

Property LC19334 is a 0.22-acre vacant land parcel on Stone Crest Dr in Clayton, Georgia. The parcel number is 052B 353, the listed size is 9,583 square feet, the cash price is $9,900, and the owner-finance price is $14,500.

The main caveat is verification. The listing shows Residential zoning, paved road access, and public water and public sewer available, but buyers should confirm zoning, setbacks, access rights, utility connection details, taxes, and any restrictions with the appropriate Rabun County offices and utility provider before purchase.

Provided listing image associated with the 0.22-acre Clayton, GA parcel.

Property snapshot

Here are the core facts for LC19334 and what each one means for a buyer reviewing this Clayton, GA land listing.

Clayton and Rabun County setting

Clayton is the county seat of Rabun County, which matters for land buyers because property records, tax assessment information, planning and zoning questions, and permit pathways are handled locally through county offices.

At the parcel level, the supplied listing data places this lot on Stone Crest Dr with coordinates of 34.86131, -83.35739. Buyers should use those coordinates, the parcel number, and county mapping tools to evaluate the lot’s position, frontage, surrounding development pattern, and access.

The broader Rabun County due-diligence path should include zoning and building-permit review, tax record confirmation, utility-provider confirmation, and a flood or drainage check. County planning materials also make floodplain awareness a practical step for buyers considering site work.

Supplemental property image for the Stone Crest Dr lot; buyers should verify boundaries and site conditions independently.

Potential uses and buyer fit

This parcel is best evaluated as a small residential-lot candidate, not as a guaranteed building site. The listing’s Residential zoning, paved access note, and public water/public sewer availability make it interesting, but a 0.22-acre lot needs careful review of setbacks, frontage, utility placement, drainage, and any recorded restrictions.

The right buyer is someone comfortable doing practical due diligence before closing. If your plan depends on a specific house size, driveway location, modular home, rental use, or future resale strategy, get written confirmation from the county and utility provider first.

• Residential homesite candidate, subject to zoning, setbacks, building permits, access approval, utility connection approval, and any deed or subdivision restrictions.
• Small-lot land hold for a buyer who wants ownership in Clayton and understands ongoing taxes, maintenance, and verification responsibilities.
• Possible infill-style residential parcel if frontage, driveway access, drainage, lot dimensions, and utility service all check out.
• Potential add-on or buffer parcel for a nearby owner, only after confirming restrictions, title, access, and any local rules affecting lot combination or use.

Due diligence checklist for this Clayton, GA lot

Before making an offer or sending funds, use the parcel number, legal description, and county records to confirm that the listing facts match your intended use and budget.

Cash price vs. owner financing

The listed cash price is $9,900. The listed owner-finance price is $14,500, with a $6,000 down payment and 10% APR.

The listing states that owner financing is offered without a credit check or income verification and uses a contract-for-deed structure, with the deed transferred after final payment. Payment examples shown in the listing are $180.60 per month for 5 years, $141.11 per month for 7 years, and $112.33 per month for 10 years.

Financing can reduce the immediate cash needed compared with paying the full cash price, but it can also increase the total amount paid. Compare the cash price, financed price, down payment, monthly payment, and all contract terms before deciding.

• What is the total amount paid over the full 5-year, 7-year, or 10-year term?
• When exactly is the deed transferred, and what document secures the buyer’s interest before final payment?
• Are there late fees, servicing fees, prepayment penalties, or additional closing costs?
• What happens after default, and how much notice is required before cancellation or forfeiture?
• Can the buyer pay off early and receive the deed without penalty?

How to compare this lot with other Georgia land

Do not compare this parcel only by acreage price. For small residential lots, the more important comparison points are verified zoning, minimum building standards, utility connection certainty, road access, setbacks, terrain, drainage, taxes, and title conditions.

This lot may appeal to buyers seeking a lower cash price and listed public utility availability, but a nearby lot with a higher price could still be a better value if it has confirmed utility taps, a recent survey, clear access documentation, and fewer permit questions. Use due diligence, not just price, to make the comparison.

Questions buyers may ask about this property and area

Bottom line

This Stone Crest Dr parcel is a compact Clayton, GA land option with a low listed cash price, seller financing, Residential zoning noted, paved access noted, and public water/public sewer availability stated in the listing.

The opportunity is straightforward, but the due diligence is not optional. Because the lot is only 0.22 acres, buyers should pay close attention to setbacks, usable area, access, drainage, and utility connection details before assuming it will support a specific building plan.

For the right buyer, the next step is to review the full listing, confirm the parcel through Rabun County records, and get written answers on zoning, permits, and utilities before closing.