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Owner-Financed Land for Sale in San Bernardino County, California

11 owner-financed lots for sale in San Bernardino County, California on LandyDandy, from $13,000 to $99,000. Typical down payment $400 and monthly payment $270 (median of the 5 listings that show terms). Updated November 10, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land

Less than 3 Hours to Los Angeles in San Bernardino County, CALess than 3 Hours to Los Angeles in San Bernardino County, CA
Less than 3 Hours to Los Angeles in San Bernardino County, CA
Less than 3 Hours to Los Angeles in San Bernardino County, CA+12 Photos
Owner FinanceRoad Access
1 / 16
$23,655·9.12 Acres

Owner financing: $300 down / $271/mo

Lot 44 Section 15 · San Bernardino County · CA

9.12 acre desert rancho is located outside of the city of Adelanto, CA. The property has dirt road access and is surrounded by undeveloped neighbor...

Panoramic Mountain Views + Power — 4.76 Acres in Adelanto, CA in San Bernardino County, CAPanoramic Mountain Views + Power — 4.76 Acres in Adelanto, CA in San Bernardino County, CA
Panoramic Mountain Views + Power — 4.76 Acres in Adelanto, CA in San Bernardino County, CA
Panoramic Mountain Views + Power — 4.76 Acres in Adelanto, CA in San Bernardino County, CA+11 Photos
Owner FinanceRoad Access
1 / 15
$17,999·4.76 Acres

Owner financing: $5,301 down / $238/mo

CA · San Bernardino County · CA

PRICING: Discount Cash Price: $17,999 + $399 document fee, or alternatively… Owner Financing Price: $18,999 – Only $5,700 down ($399 doc fee + $5,3...

Prime 1.03 Acres Twentynine Palms Land! Build YourDream Desert Home in San Bernardino County, CAPrime 1.03 Acres Twentynine Palms Land! Build YourDream Desert Home in San Bernardino County, CA
Prime 1.03 Acres Twentynine Palms Land! Build YourDream Desert Home in San Bernardino County, CA
Prime 1.03 Acres Twentynine Palms Land! Build YourDream Desert Home in San Bernardino County, CA+11 Photos
Owner Finance
1 / 15
$20,000·1.03 Acres

Owner financing available — ask the seller for terms

San Bernardino County · CA

Enjoy the freedom of owning over an acre in the beautiful High Desert. This 1.03-acre property in Twentynine Palms, California is located just off ...

Need Big Desert Space? Here’s 10 Acres in Adelanto California – No HOA, No Hassles in San Bernardino County, CANeed Big Desert Space? Here’s 10 Acres in Adelanto California – No HOA, No Hassles in San Bernardino County, CA
Need Big Desert Space? Here’s 10 Acres in Adelanto California – No HOA, No Hassles in San Bernardino County, CA
Need Big Desert Space? Here’s 10 Acres in Adelanto California – No HOA, No Hassles in San Bernardino County, CA+7 Photos
Owner FinanceNo HOA
1 / 11
$13,899·10 AcresNo HOA

Owner financing: $1,991 down / $241/mo

San Bernardino County · CA

PRICING: Discount Cash Price: $13,899 + non-refundable $399 document fee. OR….. Owner Financing Price: $15,899 – Only $2,390 down ($399 doc fee + $...

0.18-Acre Corner Lot Near Joshua Tree – 2 Minutes to Highway 62 in San Bernardino County, CA0.18-Acre Corner Lot Near Joshua Tree – 2 Minutes to Highway 62 in San Bernardino County, CA
0.18-Acre Corner Lot Near Joshua Tree – 2 Minutes to Highway 62 in San Bernardino County, CA
0.18-Acre Corner Lot Near Joshua Tree – 2 Minutes to Highway 62 in San Bernardino County, CA+8 Photos
Owner Finance
1 / 12
$13,000·0.18 Acres

Owner financing available — ask the seller for terms

San Bernardino County · CA

Looking for a piece of the California High Desert? This 0.18-acre corner lot in Twentynine Palms offers a peaceful desert setting with excellent ac...

5 Acres in Helendale, CA – Peaceful Desert Living Near Silver Lakes in San Bernardino County, CA5 Acres in Helendale, CA – Peaceful Desert Living Near Silver Lakes in San Bernardino County, CA
5 Acres in Helendale, CA – Peaceful Desert Living Near Silver Lakes in San Bernardino County, CA
5 Acres in Helendale, CA – Peaceful Desert Living Near Silver Lakes in San Bernardino County, CA+5 Photos
Owner Finance
1 / 9
$15,000·5 Acres

Owner financing available — ask the seller for terms

San Bernardino County · CA

Looking for space, privacy, and a quieter lifestyle in the High Desert? This 5-acre vacant parcel on Palomino Road in Helendale, San Bernardino Cou...

Near Barstow CA in San Bernardino County, CANear Barstow CA in San Bernardino County, CA
Near Barstow CA in San Bernardino County, CA
Near Barstow CA in San Bernardino County, CA+12 Photos
Owner Finance
1 / 16
$28,405·5.27 Acres

Owner financing: $400 down / $331/mo

13710 N Georgia Rd · San Bernardino County · CA

5.27 acres of mostly flat land located in San Bernardino California, a favorite spot for people wanting to buy land in California, located between ...

4.34 Acres Near Highway 395 & SCLA – Development Potential in Adelanto, CA in San Bernardino County, CA4.34 Acres Near Highway 395 & SCLA – Development Potential in Adelanto, CA in San Bernardino County, CA
4.34 Acres Near Highway 395 & SCLA – Development Potential in Adelanto, CA in San Bernardino County, CA
4.34 Acres Near Highway 395 & SCLA – Development Potential in Adelanto, CA in San Bernardino County, CA+6 Photos
Owner Finance
1 / 10
$45,000·4.34 Acres

Owner financing available — ask the seller for terms

San Bernardino County · CA

Looking for space, privacy, and long-term potential in the High Desert? This 4.34-acre parcel in Adelanto, California offers flat, usable land with...

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Owner Finance
1 / 16
$99,000·9 Acres

Owner financing available — ask the seller for terms

San Bernardino County · CA

Looking for a larger piece of land in the High Desert with room to think big? This approximately 9-acre parcel in the Bell Mountain area of Apple V...

Short Drive to Lancaster in San Bernardino County, CAShort Drive to Lancaster in San Bernardino County, CA
Short Drive to Lancaster in San Bernardino County, CA
Short Drive to Lancaster in San Bernardino County, CA+12 Photos
Owner Finance
1 / 16
$23,655·5 Acres

Owner financing: $400 down / $270/mo

Lot 22 Farmington Road · San Bernardino County · CA

For Sale: Prime Vacant Land in San Bernardino County, CA This spacious 5-acre lot offers unlimited potential for building your dream home, off-grid...

Embark on a Lifetime Adventure: 0.1928 Acres in San Bernardino County, CA in San Bernardino County, CAEmbark on a Lifetime Adventure: 0.1928 Acres in San Bernardino County, CA in San Bernardino County, CA
Embark on a Lifetime Adventure: 0.1928 Acres in San Bernardino County, CA in San Bernardino County, CA
Embark on a Lifetime Adventure: 0.1928 Acres in San Bernardino County, CA in San Bernardino County, CA+6 Photos
Owner Finance
1 / 10
$25,000·0.1928 Acres

Owner financing available — ask the seller for terms

San Bernardino County · CA

Unleash a lifetime of adventure with this captivating 0.1928-acre property in the heart of Southern California, nestled within San Bernardino Count...

Owner financing terms in San Bernardino County, California

Terms as each seller entered them (down payment, monthly payment on the seller's longest term). Updated November 10, 2026.

ListingPriceDownMonthlyTerm
Less than 3 Hours to Los Angeles$23,655$300$271/mo22 years
Panoramic Mountain Views + Power — 4.76 Acres in Adelanto, CA$17,999$5,301$238/mo8 years
Need Big Desert Space? Here’s 10 Acres in Adelanto California – No…$13,899$1,991$241/mo8 years
Near Barstow CA$28,405$400$331/mo20 years
Short Drive to Lancaster$23,655$400$270/mo22 years

Owner-financed land in San Bernardino County, California: questions

How many owner-financed land listings are for sale in San Bernardino County, California?
LandyDandy lists 11 land listings for sale in San Bernardino County, California whose seller offers owner financing. The count changes as sellers add and sell land.
Do sellers check credit for owner-financed land in San Bernardino County, California?
Each seller decides. Some sellers qualify buyers on the down payment and payment plan, and others run a credit check. Ask the seller before you make an offer.
How does owner financing work for land?
The seller carries the loan instead of a bank. You pay a down payment and then monthly payments to the seller. The seller sets the price, interest rate, term and any fees, and each listing shows them.
Should I use a title company when I buy owner-financed land?
Yes. LandyDandy recommends a title company or real estate attorney for every purchase: they check that the seller owns the land, record the deed or contract, and can hold your payments. LandyDandy verifies only the email address of each account.
How do I contact the seller of an owner-financed lot?
Open the listing and use Message seller or Make an offer. Your message goes to the seller directly, and you can ask about the terms, the payment plan and how they qualify buyers before you pay anything.

Is San Bernardino County Land a Good Investment?

The San Bernardino County land market generated $490.1M in total sales volume over the last year, signaling strong liquidity. We have tracked 1,271 new listings entering the market in just the last 90 days. With a median asking price per acre of $34,771, for a typical 2.5-acre parcel, buyers should be prepared to act reasonably fast on quality deals. Currently, the most active brokerage moving land in this region is Coldwell Banker Home Source, a key player to watch for off-market or new inventory. Want to learn more about the San Bernardino County market? Check out our San Bernardino County Land Market Insights.

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