3.12-Acre Agricultural Land for Sale in Concho, AZ - $399 Down, $364/mo Owner Financing

About this property

Three lots side by side on the corner of Concho Creek Drive and Oak Lane, on flat to gently sloping high desert at about 6,355 feet near Concho, Arizona. Pinyon and juniper dot the open ground, the evenings cool off fast, and there is no association, no dues and no committee approving your floor plan.

Picture a small house finished and paid for on its own corner lot, a cistern by the back step and a few panels on a ground mount. The two lots beside it stay open for a garden and a shop, for family to park when they visit, or to sell on their own later. Apache County's zoning ordinance sets no minimum dwelling size, so the house can be exactly as small as you want.

Property facts

• Acreage: 3.12 acres, three adjoining lots of about 1.04 acres each, each its own legal parcel
• Lot dimensions: one rectangle of about 300 by 455 feet
• APN: 201-28-219, 201-28-220 and 201-28-221 (sold together)
• Legal description: Concho Valley Unit 2, Block 72, Lots 1, 2 and 3
• GPS center: 34.446797, -109.611889
• Road access: dirt roads; the interior subdivision roads are unmaintained dirt
• Zoning: A-G, Agricultural General. One single-family home per parcel: site-built, modular, or a HUD-code manufactured home 15 years old or newer. A tiny home on wheels is treated as an RV, and Apache County's RV Dwelling Permit allows an RV as the dwelling once septic is in.
• Utilities: off-grid. No power at the lot, water by private well or cistern, septic required for a residence, internet by satellite such as Starlink
• Flood zone: not in a FEMA-designated floodplain
• Annual property taxes: about $56
• HOA: none

Nearby

• Concho: about 5 to 7 minutes
• St. Johns: about 25 to 30 minutes
• Show Low: about 35 to 40 minutes
• Apache-Sitgreaves National Forests: about an hour south

Price and owner financing

Cash price: $19,999

Owner financing: $399 down plus a $199 documentation fee ($598 due today), then $364 a month in principal for 72 months. Each monthly payment also includes the $12 note servicing fee and $5 in prorated property taxes, for a total monthly payment of $381.

No credit check. No prepayment penalty.

Our Guarantee

On owner-financed purchases you get a 30-Day Money-Back Guarantee and a 365-Day Land Swap. Refunds are less the documentation fee and servicing costs, and cash purchases are final.

Next Step

Questions about building small, water or the RV permit? Send them through the contact form on this page and we will send the parcel map and the Apache County zoning references.