10 owner-financed lots for sale in Clay County, Kentucky on LandyDandy, from $26,900 to $66,900. Typical down payment $999 and monthly payment $412 (median of the 10 listings that show terms). Updated October 17, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land
Owner financing: $999 down / $360/mo
Clay County · KY
Tract 9 is 12.39 acres located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees and has a nice stream running...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $308/mo
Clay County · KY
Tract 48 is 13.46 acres located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees and has a nice stream runnin...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $401/mo
Clay County · KY
Tract 63 is located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees. Being a short drive from town, yet set ...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $577/mo
Clay County · KY
Tract 3 is 19.90 acres located off of Otter Creek Rd. This tract is very wooded with tall, beautiful trees and has a nice stream running through it...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $525/mo
Clay County · KY
Tract 8 is 8.44 acres located off of Otter Creek Rd. This tract is very wooded with tall, beautiful trees and has a nice stream running through it....
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $515/mo
Clay County · KY
Tract 11 is 21.97 acres located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees and has a nice stream runnin...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $422/mo
Clay County · KY
Tract 20 is 21.67 acres located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees and has a nice stream runnin...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $680/mo
Clay County · KY
Tract 7 is 24.38 acres located off of Otter Creek Rd. This tract is very wooded with tall, beautiful trees and has a nice stream running through it...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $267/mo
Clay County · KY
Tract 66 is located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees and has a stream running through it. Bei...
Listed by
OnlineLandHub.com
Wilson McDermott
Owner financing: $999 down / $319/mo
Clay County · KY
Tract 27 is 13.99 acres located off of an unmaintained dirt road. This tract is very wooded with tall, beautiful trees and has a nice stream runnin...
Listed by
OnlineLandHub.com
Wilson McDermott
Terms as each seller entered them (down payment, monthly payment on the seller's longest term). Updated October 17, 2026.
| Listing | Price | Down | Monthly | Term |
|---|---|---|---|---|
| Blackstone Mountain Phase I Tract 9 | $35,900 | $999 | $360/mo | 20 yr |
| Blackstone Mountain Phase I Tract 48 | $30,900 | $999 | $308/mo | 20 yr |
| Blackstone Mountain Phase II Tract 63 | $39,900 | $999 | $401/mo | 20 yr |
| Blackstone Mountain Phase I Tract 3 | $56,900 | $999 | $577/mo | 20 yr |
| Blackstone Mountain Phase I Tract 8 | $51,900 | $999 | $525/mo | 20 yr |
| Blackstone Mountain Phase I Tract 11 | $50,900 | $999 | $515/mo | 20 yr |
| Blackstone Mountain Phase I Tract 20 | $41,900 | $999 | $422/mo | 20 yr |
| Blackstone Mountain Phase I Tract 7 | $66,900 | $999 | $680/mo | 20 yr |
| Blackstone Mountain Phase II Tract 66 | $26,900 | $999 | $267/mo | 20 yr |
| Blackstone Mountain Phase I Tract 27 | $31,900 | $999 | $319/mo | 20 yr |
The Clay County land market generated $2.3M in total sales volume over the last year, signaling strong liquidity. We have tracked 20 new listings entering the market in just the last 90 days. With a median asking price per acre of $2,239, for a typical 47-acre parcel, buyers should be prepared to act reasonably fast on quality deals. Currently, the most active brokerage moving land in this region is CENTURY 21 Advantage Realty, a key player to watch for off-market or new inventory. Want to learn more about the Clay County market? Check out our Clay County Land Market Insights.
