Owner-Financed Land for Sale in Clay County, Kentucky

12 owner-financed lots for sale in Clay County, Kentucky on LandyDandy, from $20,900 to $66,900. Typical down payment $999 and monthly payment $412 (median of the 12 listings that show terms). Updated November 7, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land

Blackstone Mountain Phase I Tract 48 in Clay County, KY

+10 Photos

Owner FinanceCamping

1 / 14

$30,900·13.46 Acres

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

View Details Message Seller

Blackstone Mountain Phase II Tract 63 in Clay County, KY

+5 Photos

Owner FinanceCamping

1 / 9

$39,900·19.42 Acres

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

View Details Message Seller

Blackstone Mountain Phase II Tract 66 in Clay County, KY

+7 Photos

Owner FinanceCamping

1 / 11

$26,900·10.23 Acres

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

View Details Message Seller

Blackstone Mountain Phase I Tract 27 in Clay County, KY

+16 Photos

Owner FinanceCamping

1 / 20

$31,900·13.99 Acres

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

View Details Message Seller

Popular in Kentucky

Camping10 RVs allowed10 Mobile home10 Tiny home10 Wooded1

Blackstone Mountain Phase I Tract 9 in Clay County, KY

+7 Photos

Owner FinanceCamping

1 / 11

$35,900·12.39 Acres

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

View Details Message Seller

Blackstone Mountain Phase I Tract 3 in Clay County, KY

+5 Photos

Owner FinanceCamping

1 / 9

$56,900·19.9 Acres

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

View Details Message Seller

Blackstone Mountain Phase I Tract 11 in Clay County, KY

+8 Photos

Owner FinanceCamping

1 / 12

$50,900·21.97 Acres

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

View Details Message Seller

Blackstone Mountain Phase I Tract 20 in Clay County, KY

+12 Photos

Owner FinanceCamping

1 / 16

$41,900·21.67 Acres

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

View Details Message Seller

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Blackstone Mountain Phase I Tract 8 in Clay County, KY

+8 Photos

Owner FinanceCamping

1 / 12

$51,900·8.44 Acres

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

View Details Message Seller

Blackstone Mountain Phase II Tract 78 in Clay County, KY

+5 Photos

Owner Finance

1 / 9

$20,900·7.28 Acres

Owner financing: $999 down / $205/mo

Clay County · KY

Tract 78 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

View Details Message Seller

Blackstone Mountain Phase I Tract 7 in Clay County, KY

+9 Photos

Owner FinanceCamping

1 / 13

$66,900·24.38 Acres

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

View Details Message Seller

Blackstone Mountain Phase II Tract 72 in Clay County, KY

+6 Photos

Owner Finance

1 / 10

$62,900·33.7 Acres

Owner financing: $999 down / $639/mo

Clay County · KY

Tract 72 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

View Details Message Seller

Listing	Price	Down	Monthly	Term
Blackstone Mountain Phase I Tract 48	$30,900	$999	$308/mo	20 years
Blackstone Mountain Phase II Tract 63	$39,900	$999	$401/mo	20 years
Blackstone Mountain Phase II Tract 66	$26,900	$999	$267/mo	20 years
Blackstone Mountain Phase I Tract 27	$31,900	$999	$319/mo	20 years
Blackstone Mountain Phase I Tract 9	$35,900	$999	$360/mo	20 years
Blackstone Mountain Phase I Tract 3	$56,900	$999	$577/mo	20 years
Blackstone Mountain Phase I Tract 11	$50,900	$999	$515/mo	20 years
Blackstone Mountain Phase I Tract 20	$41,900	$999	$422/mo	20 years
Blackstone Mountain Phase I Tract 8	$51,900	$999	$525/mo	20 years
Blackstone Mountain Phase II Tract 78	$20,900	$999	$205/mo	20 years

Listing

Price

Down

Monthly

Term

Blackstone Mountain Phase I Tract 48

$30,900

$999

$308/mo

20 years

Blackstone Mountain Phase II Tract 63

$39,900

$999

$401/mo

20 years

Blackstone Mountain Phase II Tract 66

$26,900

$999

$267/mo

20 years

Blackstone Mountain Phase I Tract 27

$31,900

$999

$319/mo

20 years

Blackstone Mountain Phase I Tract 9

$35,900

$999

$360/mo

20 years

Blackstone Mountain Phase I Tract 3

$56,900

$999

$577/mo

20 years

Blackstone Mountain Phase I Tract 11

$50,900

$999

$515/mo

20 years

Blackstone Mountain Phase I Tract 20

$41,900

$999

$422/mo

20 years

Blackstone Mountain Phase I Tract 8

$51,900

$999

$525/mo

20 years

Blackstone Mountain Phase II Tract 78

$20,900

$999

$205/mo

20 years

Owner-financed land in Clay County, Kentucky: questions

How many owner-financed land listings are for sale in Clay County, Kentucky?

LandyDandy lists 12 land listings for sale in Clay County, Kentucky whose seller offers owner financing. The count changes as sellers add and sell land.

Do sellers check credit for owner-financed land in Clay County, Kentucky?

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 Clay County Land a Good Investment?

The Clay County land market generated $3.2M in total sales volume over the last year, signaling strong liquidity. We have tracked 19 new listings entering the market in just the last 90 days. With a median asking price per acre of $3,388, for a typical 40-acre parcel, buyers should be prepared to act reasonably fast on quality deals. Currently, the most active brokerage moving land in this region is WEICHERT REALTORS - Ford Brothers, 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.

Owner-Financed Land for Sale in Clay County, Kentucky

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