Dirt Road Real Estate
Elise Harron

Money Matters

Buying Rural Northern AZ Land FAQ’s – Money Matters

Comparing land values takes a lot of knowledge. In Arizona, the distance to town, the size of parcels, the community, the topography, the possibility of water, the type of soil, legal and physical access all add or subtract from land values.

  • Ask your agent for a “comparative market analysis”.  A summary of what has been sold in the multiple listing service over the last period of time, usually 6 months to a year with land sales. That will tell you what the average cost per acre has been and will help you decide what you might want to offer.
  • Banks rarely finance purchases of vacant land. Land financing is different from financing a home.
  • Owner Carry. In our area, owners have been open to carrying the note for their properties. Over the last year, sellers have accepted offers with between 10% & 20% down and have agreed to carry at between 4.5% and 6% interest. All of this is negotiable after the buyer makes an offer.
  • Ask Your Agent.  An experienced land agent will know which owners are willing to let you make monthly payments after a down payment and may know investors in the area who might carry a note for you. Ask your agent if that’s what you want to do.

Important things to Know When Buying Northern Arizona Land

  1. Land issues in Arizona are complicated, be sure to hire a land specialist to help you with your purchase. There is just too much to know.
  2. Elevation is the key to climate, vegetation, and type of view.
  3. Well water is pretty readily available from Kingman to the edge of Mohave County further east water gets very dicey and drilling may not be an option.
  4. Much of the Rural Zoning is AR36 (Agricultural/Rural with minimum sized parcels of 36 acres).  Some areas allow properties to be split and some don’t.


Guide to FAQ’s

Our Vacant Land Listings

Our Rural Home Listings

Buying Rural Northern AZ Land FAQ’s – Money Matters

About Elise Harron

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Elise Harron

Realtor with Dirt Road Real Estate


928-482-3024928-482-3024 main

Dirt Road Real Estate

BR567559000 1980 Sherwood Dr. Prescott, AZ 86303



We have changed any negative stereotype of realtors we may have had now that Elise Herron has been our realtor. She was much more than a realtor, being our advocate and getting better term and conditions than we could have imagined. We will not have another... (more)


Elise is exactly who she seems to be; unpretentious, helpful, and a very clear communicator. Her willingness to show us many parcels, and to walk on them extensively with us, our kids, and our dog helped us get a good feel for the area. Our dealings with... (more)


Elise was very helpful in meeting and knowing our needs as a family looking for just the perfect property for us. Thanks for all you did for us and spending do much time driving around in such a large area to find property...
James ,Tiffany ,Jared, Shea and... (more)

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