Lovelock (Owner Finance $699.00 a month & No Credit Check), NV Land for Sale: 124 Acres with Owner Financing Available
If you are shopping for larger rural Nevada acreage, the appeal here is straightforward: meaningful space, a listed owner-finance option, and a price point that may be easier to evaluate than a conventional land loan.
LandCentury property LC26631 is a 124-acre vacant land listing on Inmans Road in Lovelock, Pershing County, Nevada. The listing shows a $64,994 cash price, a $69,995 owner-finance price, and a stated $699 monthly payment under the listed financing terms.
The important caveat is verification. The listing states Residential zoning, dirt road access, and city utilities available, but buyers should confirm the exact zoning district, three APNs, access status, utility service, floodplain status, and permit path before assuming any specific use or buildability.
Property snapshot for LC26631
These are the core facts supplied in the listing package, along with what each detail means for a buyer’s next step.
Use this identifier when discussing the listing with LandCentury or requesting the current seller documents.
The listing places the acreage in the Lovelock area, but buyers should still confirm jurisdiction and whether the property is inside city limits or in the county.
This is a large-acreage offering; parcel maps and boundaries should be reviewed before relying on the acreage for planning.
The legal description references three parcels, so contiguity, boundaries, and recorded descriptions deserve extra attention.
The listing identifies a warranty deed, but buyers should still complete a title and recorded-document review.
The financed price is higher than the cash price, so buyers should compare both structures against their budget and intended use.
These terms are central to the offering; verify the current contract, payment schedule, fees, and payoff terms before committing.
These are listing-supplied details, not guarantees of buildability, road maintenance, utility connection, or current tax status.
Lovelock and Pershing County context
The supplied listing data places this acreage on Inmans Road in the Lovelock area of Pershing County. That is the parcel-specific location context available from the property package; exact frontage, road maintenance, municipal boundary status, and service connection points still need verification.
Pershing County is a very low-density Nevada county. Census QuickFacts reports a 2025 population estimate of 6,421 and population density of 1.1 people per square mile, which helps explain why access, utilities, and permitting should be evaluated carefully for rural land.
Official local rules matter here. Pershing County planning materials address zoning, building, floodplain, access, and utility-related requirements, while Lovelock municipal resources may be relevant if city service connection is part of the plan.
Potential uses and buyer fit
This offering may fit buyers who want substantial rural Nevada acreage and are comfortable doing land due diligence before making development plans. The size, owner-finance option, and listed Residential zoning are the main buyer-facing features.
The listing is categorized for residential, agricultural/farm, mobile home and RV, owner-finance, and vacant land searches. Treat those categories as marketing context rather than approval for any specific use.
- Rural homesite concept, only if the exact zoning district, setbacks, access, utilities, water or septic path, flood status, and building permits support it.
- Manufactured home or RV-oriented use, only after confirming Pershing County and any city rules for duration, occupancy, foundations, hookups, and permits.
- Agricultural, grazing, or open-space use, only after verifying zoning permissions, water availability or rights, fencing needs, access, and any environmental or floodplain constraints.
- Long-term Nevada land hold for a buyer who wants acreage and can tolerate unresolved utility, access, and development questions until verified.
- Three-APN planning flexibility, only if recorded maps confirm the parcels, boundaries, contiguity, and legal access for each parcel.
Due diligence checklist for this Lovelock land
Before relying on the price, acreage, zoning label, or utility language, make these checks in writing and keep copies with your purchase file.
Confirm all three APNs and boundaries
Review the recorded legal description, parcel map, and assessor records for APNs 015-300-11, 015-300-10, and 015-300-13. Confirm whether the parcels are contiguous and whether the stated 124 acres matches current records.
Verify zoning, jurisdiction, and permitted uses
The listing says Residential, but the exact zoning district is not supplied. Confirm whether Pershing County or the City of Lovelock controls the permit path, then ask which residential, manufactured home, RV, agricultural, and accessory uses are allowed.
Check road access and maintenance
The listing states dirt road access. Verify whether access is public, private, or easement-based, who maintains Inmans Road, and whether the route is practical throughout the year.
Clarify utilities, water, sewer, and septic
The phrase city utilities available should be treated as a lead for investigation, not proof of connection. Ask for written utility availability, connection points, capacity requirements, tap or extension costs, and septic rules if sewer is not available.
Review floodplain and drainage constraints
Pershing County development materials include floodplain management provisions tied to mapped flood areas. Check flood status, drainage, washes, and any site-design or insurance implications before planning improvements.
Verify taxes and special assessments
The listing shows taxes of $240 and the finance terms include monthly taxes of $18.55. Confirm the current tax year, parcel-level tax amounts, due dates, and any special district assessments.
Review title, deed, and recorded exceptions
A Warranty Deed is listed, but buyers should still review title, liens, easements, access documents, mineral or water-related exceptions, and any recorded restrictions before closing.
Read the owner-finance agreement carefully
Confirm the current purchase price, interest rate, term, payment amount, fees, late-payment rules, default process, deed-transfer timing, and payoff rights. If the listing markets no credit check, ask how approval and contract enforcement work in writing.
The selected official source for local verification is Pershing County’s Development Code and Planning & Building guidance, which is relevant to zoning, permits, floodplain review, access, and utility-related development requirements.
Owner-finance terms to evaluate
The listing shows two price paths: $64,994 for cash purchase and $69,995 under owner financing. The stated owner-finance terms include 3.45% interest, a 120-month term, $18.55 in monthly taxes, an $11 loan processing fee, a $699 total monthly payment, and $895 due today.
Owner financing can reduce the immediate cash requirement, but it does not reduce the need for title, zoning, access, utility, and flood due diligence. Buyers should compare the financed price and total payment obligation with the cash price and their intended use timeline.
- Is the $699 monthly payment fixed for the full 120-month term, and what exactly is included?
- What total interest will be paid if the loan is held to maturity?
- Is there any prepayment penalty or discount for early payoff?
- When does the deed transfer, and what happens if a payment is late or missed?
- Are taxes and fees escrowed, billed monthly, or paid directly by the buyer?
How to compare this with other Nevada land
Compare LC26631 on verified usable acreage, not just headline size. A large parcel can be attractive, but access rights, road maintenance, utility extension costs, floodplain rules, and permitting requirements can matter as much as price per acre.
Because this listing references three APNs and owner financing, compare it with other land by asking whether the parcels are contiguous, whether access is recorded, whether utility claims are documented, and how the cash price compares with the total financed cost.
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
LC26631 is most compelling for a buyer who wants sizable rural Nevada acreage and values the availability of owner financing. The listing’s key anchors are 124 acres, three APNs, a Warranty Deed, a $64,994 cash price, and a stated $699 monthly payment option.
The right buyer should be prepared to verify the fundamentals before making plans: exact parcel boundaries, zoning district, jurisdiction, access, utility availability, water or septic path, floodplain status, taxes, and finance contract terms.
If the numbers work for your budget, the next step is to review the live listing, request current maps and seller documents, and complete county-level due diligence before treating the property as ready for any specific use.
Want the current details on LC26631?
Review the live listing, confirm availability, and ask for current maps, financing documents, parcel records, and utility details before moving forward.
Helpful next steps
Compare the owner-finance terms with the cash price, review official Pershing County development guidance, and verify APNs, taxes, access, utilities, and flood status before closing.
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