40 Acres with a Pond & Mountain Views in Saddle Creek Ranch

Forty acres of wide-open Arizona ranchland with a pond feature, dramatic mountain views, and the kind of privacy that is hard to find. This Saddle Creek Ranch parcel gives you room to design a custom desert estate while still being part of an established rural community. The land is mostly open and usable, with maintained dirt-road access and multiple vantage points for taking in the surrounding high desert. It is a compelling fit for a buyer who wants acreage, scenery, and long-term value in the Congress area. Owner financing is available: $31,500 down and approximately $1,644 per month for 84 months at 11.9%. The cash price is $124,900. Property highlights: - 40 acres in Yavapai County - Pond feature and panoramic mountain views - R1L-10A rural-residential zoning - Room for a custom homesite, privacy, and recreation - Survey and recorded community documents available for review A few important things to know: The property is in deed-restricted Saddle Creek Ranch. Current records call for a site-built home of at least 1,800 square feet, a maximum of two stories, architectural committee approval, and HOA dues of approximately $312 per year. There is no municipal water or sewer, so a private well and septic system will be needed. Pond water level and seasonal availability are not guaranteed. Buyers should review the current CC&Rs and confirm roads, access, utilities, water availability, soils, and buildability with the HOA and Yavapai County before purchasing. APN: 202-18-001M