Colorado City ( Owner Finance $205.00 a month) No Credit Check, CO Land for Sale: 0.31 Acres with Utilities
If you want an affordable entry point into Pueblo County land without a large upfront cash purchase, this small Colorado City parcel is worth a closer look—but only after the right verification.
The listing is for 0.31 acres, or 13,504 square feet, on Yorut Court in Colorado City, Pueblo County, Colorado 81019. It is listed at $5,995 cash or $6,995 with owner financing, with a warranty deed shown and parcel number 4736450299.
The listing notes Residential zoning, paved and dirt road access, and city utilities available. Treat those as starting points, not guarantees of buildability, utility connection, mobile-home approval, RV use, or road maintenance.
Property snapshot
The facts below come from the supplied listing data. Several are useful signals for research, but they should be verified through official records before purchase or planning.
This gives the practical local context for zoning, assessor, access, and utility research; verify exact boundaries by parcel map or survey.
A compact lot size makes setbacks, minimum lot standards, utility placement, and usable area especially important.
Use the parcel number for assessor and GIS lookup, and reconcile the different number sequence before relying on records.
The listing offers both a cash purchase path and a seller-financed purchase path, each with different economics.
These terms are central to affordability, but the written finance agreement should control all payment, fee, default, and deed-transfer details.
A warranty deed is shown in the listing, but buyers should still confirm title status, recording process, liens, and restrictions.
This is not the same as confirmed buildability; the exact zone district and allowed uses need official verification.
Helpful starting information, but it does not confirm legal access, road maintenance, active connections, tap availability, or extension costs.
Colorado City and Pueblo County setting
Colorado City is referenced in the listing and is in Pueblo County, Colorado. For a land buyer, the practical value of that location is the official research path: planning, zoning, assessor, and GIS resources are where permitted uses and parcel records should be checked.
Parcel-specific data places this lot on Yorut Court and supplies coordinates of 37.944143, -104.8403544. Coordinates are helpful for map and flood research, but they should be matched against official parcel mapping before you rely on them.
Keep general area context separate from parcel-specific facts. Utility service in an area does not prove this lot has active service, approved access, or a permit-ready building envelope.
Potential uses and buyer fit
At 0.31 acres, this is a compact residential-oriented land parcel, not a large rural tract. The listed Residential zoning and small-lot size may appeal to buyers seeking a low-cost hold, a future residential project, or a carefully verified manufactured-home or RV plan.
Every possible use depends on the actual zone district, setbacks, minimum lot standards, legal access, utility availability, water and sewer or septic feasibility, title restrictions, HOA/POA status, flood and drainage review, and permits.
- Buy and hold while completing official zoning, title, tax, access, and utility research.
- Evaluate for a future site-built residence only if the exact zone district, setbacks, lot coverage, access, utilities, and permit requirements support it.
- Explore manufactured-home or mobile-home use only if local zoning and installation standards allow it for this specific parcel.
- Ask the applicable local office whether RV parking or temporary RV occupancy is allowed, limited, or prohibited before relying on the listing category.
- Use it as a comparison point for other Pueblo County lots by checking price, parcel size, utility status, road status, and official zoning side by side.
Due diligence before you commit
This parcel has useful identifiers and an accessible price point, but the purchase decision should turn on verified records. Work through these checks before assuming the lot fits your intended use.
Verify the exact zoning district
The listing says Residential, but it does not supply the actual zone district. Use official zoning and GIS resources for the applicable Pueblo County jurisdiction to confirm permitted uses, setbacks, minimum lot size, manufactured-home rules, RV rules, and whether residential construction is allowed.
Reconcile parcel identifiers and assessor records
The parcel number is shown as 4736450299, while the legal description field shows APN 4736445029. Look up assessor records to confirm ownership, legal description, boundaries, assessed values, taxes, and whether both numbers refer to the same record or related data.
Confirm utility availability and connection costs
The listing says city utilities are available. Ask the relevant providers which services are actually at the lot line or nearby, whether water and sewer taps are available, whether electric or gas are present, and what connection, extension, meter, or impact fees may apply.
Check sewer or septic feasibility
Do not assume sewer service is connected because city utilities are mentioned. If sewer is not available or not approved, confirm whether septic is feasible and what county health requirements apply before planning a build.
Verify legal access and road responsibility
Road access is listed as paved and dirt. Confirm public or private status, legal access, frontage, maintenance responsibility, seasonal conditions, and any driveway or curb-cut requirements.
Review flood, drainage, and easement conditions
Use FEMA flood mapping with the listed coordinates and check local records for drainage, arroyo, utility, or access easements that could affect building placement or insurance.
Confirm title, deed process, and restrictions
A warranty deed is listed, but you should still review title, liens, covenants, HOA/POA obligations, transfer timing, recording process, and any deed restrictions before closing.
Get the finance documents in writing
If using owner financing, request the full agreement, payment schedule, default terms, taxes, fees, prepayment rules, and deed delivery process before making the initial payment.
The official Pueblo zoning information sheets are a useful starting point because they explain zone districts and direct buyers toward GIS or assessor lookup tools. Use them alongside assessor, utility, and flood-map checks for this parcel.
Owner financing details to review
The listing presents a cash price of $5,995 and an owner-finance purchase price of $6,995. The provided financing terms show 3.99% interest over 36 months, a $205.49 total monthly payment, monthly taxes of $11.15, a $9 loan processing fee, and $695 due today.
That structure may appeal to buyers who prefer a defined monthly payment, but the written contract controls. Confirm whether taxes are escrowed or billed separately, when the deed transfers, whether payments are serviced by a third party, and what happens after payoff or default.
- Is the $205.49 total monthly payment fixed for the full 36-month term?
- Does the monthly payment include taxes for the life of the loan, and how are tax changes handled?
- When is the warranty deed delivered and recorded?
- Are there late fees, servicing fees, prepayment penalties, or payoff fees?
- What happens if zoning, access, or utility verification does not support the buyer’s intended use?
How to compare this lot with other Colorado land
Compare this parcel on more than price per acre. For a 0.31-acre lot, the key variables are the exact zoning district, minimum lot standards, utility connection distance, road status, flood and drainage review, and any recorded restrictions.
Cash buyers should compare the $5,995 price against all-in closing, title, taxes, and due-diligence costs. Owner-finance buyers should compare the $6,995 financed price, 3.99% rate, 36-month term, $205.49 payment, and $695 due today against other available seller-finance structures.
Questions buyers may ask about this property and area
Bottom line
LC26329 is a small, low-ticket land opportunity in Colorado City with owner financing, clear identifiers, and useful starting facts: parcel number, acreage, price, listed Residential zoning, and utility/access notes.
The opportunity depends on verification. Before treating it as a home site, mobile-home site, RV lot, or utility-ready parcel, confirm the exact zone district, legal access, flood and drainage status, utility service, and title or assessor records.
Buyers who are comfortable doing that homework may find the combination of 0.31 acres, Pueblo County location, and short 36-month owner-finance term worth a closer review.
Ready to review the listing details?
Open the listing to see current availability, seller details, images, and purchase options, or browse comparable Colorado land before deciding.
Helpful next step
Before planning any residential, manufactured-home, or RV use, use the official zoning resource and parcel number to verify the exact district and allowed uses.
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