Holiday Island (Owner Financing Deal!), AR Land for Sale: 1.5 Acres with Paved Access & City Utilities

For buyers who want a residential land option in Holiday Island without paying the full purchase price upfront, this Mars Lane parcel is positioned around a low cash price, short-term owner financing, and listed access to community utility infrastructure.

The offering is 1.5 acres, or 65,340 square feet, in Carroll County, Arkansas 72631, identified by parcel number 320-00884/85/86000000000 and APNs 320-00884-000, 320-00885-000, and 320-00886-000. The listed cash price is $9,995; the owner-finance price is $13,995.

The key caveat is verification. The listing notes Residential zoning, paved-road access, and city utilities available, but a buyer should still confirm Holiday Island covenants, build approvals, utility connection requirements, taxes, access, and the three-APN structure before closing.

Property image supplied with the 1.5-acre Holiday Island listing; verify boundaries with the recorded plat.

Property snapshot: what the listing facts mean

This is the practical read on the supplied property data. The facts below are useful starting points, but they should be matched against public records, the recorded plat, and Holiday Island requirements before purchase.

Holiday Island setting and local context

Holiday Island is a defined community in Carroll County, Arkansas, and local rules matter here. Official Holiday Island materials point buyers toward plats, covenants, utility information, assessments, and building-permit context, which makes this more than a simple vacant-lot purchase.

Parcel-specific facts from the listing place the land on Mars Lane in ZIP 72631, with coordinates supplied at 36.4875616, -93.7172682. Those coordinates are helpful for initial mapping, but they are not a substitute for a recorded survey, plat, or title review.

Holiday Island Suburban Improvement District context is especially relevant for water, wastewater, and assessment questions. Before budgeting for construction or long-term ownership, buyers should confirm whether services are at the lot line, whether tap or connection charges apply, and whether any district assessments are separate from county property taxes.

Additional listing image for the Mars Lane property; use official records for parcel lines, access, and utility confirmation.

Potential uses, subject to local approval

The most realistic buyer profile is someone looking for a residential land position in Holiday Island with owner financing available and listed utility access nearby. The property is categorized as residential buildable land, vacant land, owner-finance land, and mobile home and RV land, but those categories should be treated as marketing and classification signals, not final approvals.

Any use should be conditioned on zoning confirmation, recorded covenants, setbacks, minimum building standards, utility availability, water and wastewater rules, access, drainage, and required permits. If your plan depends on a specific structure type, verify it in writing before purchase.

• Future residential home site, if Holiday Island rules, setbacks, utilities, and permits support the plan
• Vacant residential land hold, with taxes, assessments, and maintenance obligations verified first
• Mobile-home or RV-related use only if covenants, permits, duration limits, utility rules, and local approvals specifically allow it
• Coordinated use of the three listed APNs, subject to parcel mapping, setbacks, access, and any consolidation or subdivision requirements

Buyer due-diligence checklist for this Mars Lane parcel

Use this checklist before closing or before committing to any site plan. The most important questions are local: Holiday Island covenants, utility service, assessments, and permitting can materially affect what the land can be used for and what it will cost to improve.

Owner financing: read the short-term math carefully

This property has two listed price paths: a $9,995 cash price and a $13,995 owner-finance price. The financing terms show 3.99% interest over 18 months, a total monthly payment of $687.92, monthly taxes listed at $22, a $5 loan processing fee, and $995 due today.

The benefit is a lower upfront entry point compared with paying the full cash price at closing. The tradeoff is that an 18-month land note is short, so the monthly payment is meaningful and the total financed price is higher than the cash price.

Before moving forward, ask for the full financing agreement and confirm whether the listed monthly payment includes all taxes, fees, and assessments. Also verify when the warranty deed is delivered and what happens if taxes, assessments, or utility charges change during the loan term.

• Is the $687.92 total monthly payment fully inclusive of the listed monthly taxes and loan processing fee?
• Can the loan be prepaid without penalty?
• When is the warranty deed delivered under the owner-finance agreement?
• Are Holiday Island assessments or other carrying costs separate from the listed payment?
• What documents show the payoff schedule, default rules, and buyer responsibilities during the 18-month term?

Questions buyers may ask about this property and area

Bottom line for buyers

This Mars Lane offering is appealing because it combines 1.5 acres, a Holiday Island location, a $9,995 cash price, and an owner-finance option with $995 due today. For a buyer looking at residential land in Carroll County, those are meaningful starting points.

The property should not be evaluated on price alone. Holiday Island-specific due diligence matters: plats, covenants, permits, utility connections, assessments, access, and the three-APN structure can all affect the real cost and practical use of the land.

If the payment structure and location fit your plan, the next step is to review the full listing details, request documents, and verify local requirements before treating the parcel as ready for a home, RV, mobile home, or other residential use.