LandyDandy

Owner-Financed Land for Sale in Kentucky

101 owner-financed lots for sale in Kentucky on LandyDandy, from $23,900 to $107,900. Typical down payment $999 and monthly payment $504 (median of the 101 listings that show terms). Updated October 16, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land

Creek Hollow Phase II Tract 68 in Rockcastle County, KYCreek Hollow Phase II Tract 68 in Rockcastle County, KY
Creek Hollow Phase II Tract 68 in Rockcastle County, KY
Creek Hollow Phase II Tract 68 in Rockcastle County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$77,900·17.23 AcresNo HOA

Owner financing: $999 down / $793/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 68 is a 17.23-acre tract that offers rolling terrain, mixed hardwoods, a wet-weather creek, and natural clearings shape...

Autumn Ridge Tract 17 in Leslie County, KYAutumn Ridge Tract 17 in Leslie County, KY
Autumn Ridge Tract 17 in Leslie County, KY
Autumn Ridge Tract 17 in Leslie County, KY+4 Photos
Owner FinanceNo HOA
1 / 8
$47,900·10.06 AcresNo HOA

Owner financing: $999 down / $484/mo

Leslie County · KY

Tract 17 is 10.06 +/- acres located centrally in the ranch with access off of the unmaintained dirt road. This tract is very wooded with tall, beau...

Creek Hollow Phase I Tract 52 in Rockcastle County, KYCreek Hollow Phase I Tract 52 in Rockcastle County, KY
Creek Hollow Phase I Tract 52 in Rockcastle County, KY
Creek Hollow Phase I Tract 52 in Rockcastle County, KY+4 Photos
Owner FinanceNo HOA
1 / 8
$24,900·4.99 AcresNo HOA

Owner financing: $999 down / $247/mo

Rockcastle County · KY

Tract 52 is densely wooded throughout. Many deer, turkey and other wildlife have been spotted in this great hunting area! This property lies among ...

Black Oak Ranch Tract 1 in Rockcastle County, KYBlack Oak Ranch Tract 1 in Rockcastle County, KY
Black Oak Ranch Tract 1 in Rockcastle County, KY
Black Oak Ranch Tract 1 in Rockcastle County, KY+13 Photos
Owner FinanceNo HOA
1 / 17
$63,900·9.11 AcresNo HOA

Owner financing: $999 down / $649/mo

Rockcastle County · KY

Tract 1 is 9.11+/- acres with great access from Red Hill Road. This tract will also provide convenient access to power lines and rural water lines....

Majestic Rock Ranch Tract 1 in Rockcastle County, KYMajestic Rock Ranch Tract 1 in Rockcastle County, KY
Majestic Rock Ranch Tract 1 in Rockcastle County, KY
Majestic Rock Ranch Tract 1 in Rockcastle County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$53,900·8.09 AcresNo HOA

Owner financing: $999 down / $546/mo

Rockcastle County · KY

Tract 1 is 8.09 +/- acres located on the south side of the ranch with great access and plenty of county road frontage. This tract is extremely wood...

Trails End Tract 18 in Rockcastle County, KYTrails End Tract 18 in Rockcastle County, KY
Trails End Tract 18 in Rockcastle County, KY
Trails End Tract 18 in Rockcastle County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$81,900·15.07 AcresNo HOA

Owner financing: $999 down / $835/mo

Rockcastle County · KY

Tract 18 is strategically located within Trails End, providing great access from the existing dirt road. This tract is extremely wooded with modera...

Jade Pass Tract 35 in Whitley County, KYJade Pass Tract 35 in Whitley County, KY
Jade Pass Tract 35 in Whitley County, KY
Jade Pass Tract 35 in Whitley County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$46,900·8.84 AcresNo HOA

Owner financing: $999 down / $473/mo

Whitley County · KY

Jade Pass Tract 35 is an 8.84 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, m...

Creek Hollow Phase II Tract 57 in Rockcastle County, KYCreek Hollow Phase II Tract 57 in Rockcastle County, KY
Creek Hollow Phase II Tract 57 in Rockcastle County, KY
Creek Hollow Phase II Tract 57 in Rockcastle County, KY+11 Photos
Owner FinanceNo HOA
1 / 15
$52,900·11.98 AcresNo HOA

Owner financing: $999 down / $535/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 57 is a 11.98-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timber...

Recently Added

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0.45 Acres • Two Adjoining Lots • 313' of Paved-Road Frontage • Single-Family Residential Zoning • Cleared & Outside the Flood Zone • Growing Hempstead/Waller County Location • Owner Financing Available
Stone Bridge Phase I Tract 71
Red Rock Ranch Tract 6
Red Barn Ranch Tract 27
Creek Hollow Phase II Tract 65 in Rockcastle County, KYCreek Hollow Phase II Tract 65 in Rockcastle County, KY
Creek Hollow Phase II Tract 65 in Rockcastle County, KY
Creek Hollow Phase II Tract 65 in Rockcastle County, KY+4 Photos
Owner FinanceNo HOA
1 / 8
$65,900·14.48 AcresNo HOA

Owner financing: $999 down / $669/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 65 is a 14.48-acre tract that offers rolling terrain, mixed hardwoods, Sinking creek, and natural clearings shaped by s...

Creek Hollow Phase II Tract 79 in Rockcastle County, KYCreek Hollow Phase II Tract 79 in Rockcastle County, KY
Creek Hollow Phase II Tract 79 in Rockcastle County, KY
Creek Hollow Phase II Tract 79 in Rockcastle County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$76,900·17.65 AcresNo HOA

Owner financing: $999 down / $783/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 79 is a 17.65-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timber...

Creek Hollow Phase I Tract 18 in Rockcastle County, KYCreek Hollow Phase I Tract 18 in Rockcastle County, KY
Creek Hollow Phase I Tract 18 in Rockcastle County, KY
Creek Hollow Phase I Tract 18 in Rockcastle County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$23,900·5.47 AcresNo HOA

Owner financing: $999 down / $236/mo

Rockcastle County · KY

Tract 18 is densely wooded throughout. Many deer, turkey and other wildlife have been spotted in this great hunting area! This property lies among ...

Woodland Heights Tract 9 in Wayne County, KYWoodland Heights Tract 9 in Wayne County, KY
Woodland Heights Tract 9 in Wayne County, KY
Woodland Heights Tract 9 in Wayne County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$57,900·15.03 AcresNo HOA

Owner financing: $999 down / $587/mo

Wayne County · KY

Tract 9 has access along an unmaintained road. It is wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife have been s...

Bluewater Ridge Tract 16 in Wayne County, KYBluewater Ridge Tract 16 in Wayne County, KY
Bluewater Ridge Tract 16 in Wayne County, KY
Bluewater Ridge Tract 16 in Wayne County, KY+13 Photos
Owner FinanceNo HOA
1 / 17
$55,900·2.58 AcresNo HOA

Owner financing: $999 down / $566/mo

Wayne County · KY

Tract 16 has great access along the county road and has beautiful river front views. It is very wooded with tall, beautiful trees throughout. Many ...

Buck Run Ridge Tract 23 in Wayne County, KYBuck Run Ridge Tract 23 in Wayne County, KY
Buck Run Ridge Tract 23 in Wayne County, KY
Buck Run Ridge Tract 23 in Wayne County, KY+5 Photos
Owner FinanceNo HOA
1 / 9
$46,900·8.76 AcresNo HOA

Owner financing: $999 down / $473/mo

Wayne County · KY

Tract 23 has great access along the provided dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildli...

Laurel Ridge Tract 4 in Casey County, KYLaurel Ridge Tract 4 in Casey County, KY
Laurel Ridge Tract 4 in Casey County, KY
Laurel Ridge Tract 4 in Casey County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$42,900·5.02 AcresNo HOA

Owner financing: $999 down / $432/mo

Casey County · KY

Tract 4 is a great parcel full of the thick trees that come to mind when you think of Central Kentucky, as well as a nice patch of pasture land. Th...

Trails End Tract 21 in Rockcastle County, KYTrails End Tract 21 in Rockcastle County, KY
Trails End Tract 21 in Rockcastle County, KY
Trails End Tract 21 in Rockcastle County, KY+10 Photos
Owner FinanceNo HOA
1 / 14
$78,900·13.18 AcresNo HOA

Owner financing: $999 down / $804/mo

Rockcastle County · KY

Tract 21 is strategically located within Trails End, providing great access from the existing dirt road. This tract is extremely wooded with modera...

Blackstone Mountain Phase I Tract 9 in Clay County, KYBlackstone Mountain Phase I Tract 9 in Clay County, KY
Blackstone Mountain Phase I Tract 9 in Clay County, KY
Blackstone Mountain Phase I Tract 9 in Clay County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$35,900·12.39 AcresNo HOA

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...

Jade Pass Tract 43 in Whitley County, KYJade Pass Tract 43 in Whitley County, KY
Jade Pass Tract 43 in Whitley County, KY
Jade Pass Tract 43 in Whitley County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$40,900·6.3 AcresNo HOA

Owner financing: $999 down / $412/mo

Whitley County · KY

Jade Pass Tract 43 is a 6.30 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Blackstone Mountain Phase I Tract 48 in Clay County, KYBlackstone Mountain Phase I Tract 48 in Clay County, KY
Blackstone Mountain Phase I Tract 48 in Clay County, KY
Blackstone Mountain Phase I Tract 48 in Clay County, KY+10 Photos
Owner FinanceNo HOA
1 / 14
$30,900·13.46 AcresNo HOA

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...

Buck Run Ridge Tract 17 in Wayne County, KYBuck Run Ridge Tract 17 in Wayne County, KY
Buck Run Ridge Tract 17 in Wayne County, KY
Buck Run Ridge Tract 17 in Wayne County, KY+4 Photos
Owner FinanceNo HOA
1 / 8
$58,900·10.14 AcresNo HOA

Owner financing: $999 down / $597/mo

Wayne County · KY

Tract 17 has great access along the provided dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildli...

Jade Pass Tract 4 in Whitley County, KYJade Pass Tract 4 in Whitley County, KY
Jade Pass Tract 4 in Whitley County, KY
Jade Pass Tract 4 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$29,900·5.05 AcresNo HOA

Owner financing: $999 down / $298/mo

Whitley County · KY

Jade Pass Tract 4 is a 5.05 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Creek Hollow Phase I Tract 34 in Rockcastle County, KYCreek Hollow Phase I Tract 34 in Rockcastle County, KY
Creek Hollow Phase I Tract 34 in Rockcastle County, KY
Creek Hollow Phase I Tract 34 in Rockcastle County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$24,900·5.76 AcresNo HOA

Owner financing: $999 down / $247/mo

Rockcastle County · KY

Tract 34 is densely wooded throughout. Many deer, turkey and other wildlife have been spotted in this great hunting area! This property lies among ...

Creek Hollow Phase II Tract 61 in Rockcastle County, KYCreek Hollow Phase II Tract 61 in Rockcastle County, KY
Creek Hollow Phase II Tract 61 in Rockcastle County, KY
Creek Hollow Phase II Tract 61 in Rockcastle County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$61,900·14 AcresNo HOA

Owner financing: $999 down / $628/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 61 is a 14.00-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timber...

Blackstone Mountain Phase II Tract 63 in Clay County, KYBlackstone Mountain Phase II Tract 63 in Clay County, KY
Blackstone Mountain Phase II Tract 63 in Clay County, KY
Blackstone Mountain Phase II Tract 63 in Clay County, KY+5 Photos
Owner FinanceNo HOA
1 / 9
$39,900·19.42 AcresNo HOA

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 ...

Rolling Hills Tract 1 in Wayne County, KYRolling Hills Tract 1 in Wayne County, KY
Rolling Hills Tract 1 in Wayne County, KY
Rolling Hills Tract 1 in Wayne County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$34,900·3.8 AcresNo HOA

Owner financing: $999 down / $350/mo

Wayne County · KY

Tract 1 has access along Tucker Rd, which is a county maintained road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey a...

Autumn Ridge Tract 23 in Leslie County, KYAutumn Ridge Tract 23 in Leslie County, KY
Autumn Ridge Tract 23 in Leslie County, KY
Autumn Ridge Tract 23 in Leslie County, KY+19 Photos
Owner FinanceNo HOA
1 / 23
$66,900·16.01 AcresNo HOA

Owner financing: $999 down / $680/mo

Leslie County · KY

Tract 23 is 16.01 +/- acres located centrally in the ranch with access off of the unmaintained dirt road. This tract is very wooded with tall, beau...

Trails End Tract 22 in Rockcastle County, KYTrails End Tract 22 in Rockcastle County, KY
Trails End Tract 22 in Rockcastle County, KY
Trails End Tract 22 in Rockcastle County, KY+16 Photos
Owner FinanceNo HOA
1 / 20
$61,900·10.35 AcresNo HOA

Owner financing: $999 down / $628/mo

Rockcastle County · KY

Tract 22 is strategically located within Trails End, providing great access from the existing dirt road. This tract is extremely wooded with modera...

Creek Hollow Phase II Tract 71 in Rockcastle County, KYCreek Hollow Phase II Tract 71 in Rockcastle County, KY
Creek Hollow Phase II Tract 71 in Rockcastle County, KY
Creek Hollow Phase II Tract 71 in Rockcastle County, KY+13 Photos
Owner FinanceNo HOA
1 / 17
$56,900·13.01 AcresNo HOA

Owner financing: $999 down / $577/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 71 is a 13.01-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timber...

River’s Edge Tract 5 in Jackson County, KYRiver’s Edge Tract 5 in Jackson County, KY
River’s Edge Tract 5 in Jackson County, KY
River’s Edge Tract 5 in Jackson County, KY+12 Photos
Owner FinanceNo HOA
1 / 16
$31,900·1.9 AcresNo HOA

Owner financing: $999 down / $319/mo

Jackson County · KY

Tract 5 is located on the south-eastern part of the property with great access off of Indian Creek Road. This tract is very wooded with tall, beaut...

Riverbend Tract 3 in Wayne County, KYRiverbend Tract 3 in Wayne County, KY
Riverbend Tract 3 in Wayne County, KY
Riverbend Tract 3 in Wayne County, KY+14 Photos
Owner FinanceNo HOA
1 / 18
$62,900·10.05 AcresNo HOA

Owner financing: $999 down / $639/mo

Wayne County · KY

Tract 3 has access along an unmaintained dirt road, and backs up to the river. It is very wooded with tall, beautiful trees throughout. Many deer, ...

Chestnut Oak Ridge Tract 18 in Rockcastle County, KYChestnut Oak Ridge Tract 18 in Rockcastle County, KY
Chestnut Oak Ridge Tract 18 in Rockcastle County, KY
Chestnut Oak Ridge Tract 18 in Rockcastle County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$49,900·10.54 AcresNo HOA

Owner financing: $999 down / $504/mo

Rockcastle County · KY

Tract 18 is 10.54 +/- acres located centrally in the property with great access off of the dirt road. This tract is very wooded with tall, beautifu...

Blackstone Mountain Phase I Tract 3 in Clay County, KYBlackstone Mountain Phase I Tract 3 in Clay County, KY
Blackstone Mountain Phase I Tract 3 in Clay County, KY
Blackstone Mountain Phase I Tract 3 in Clay County, KY+5 Photos
Owner FinanceNo HOA
1 / 9
$56,900·19.9 AcresNo HOA

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...

Rolling Hills Tract 12 in Wayne County, KYRolling Hills Tract 12 in Wayne County, KY
Rolling Hills Tract 12 in Wayne County, KY
Rolling Hills Tract 12 in Wayne County, KY+4 Photos
Owner FinanceNo HOA
1 / 8
$33,900·5.12 AcresNo HOA

Owner financing: $999 down / $339/mo

Wayne County · KY

Tract 12 has access along an unmaintained dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife ...

Jade Pass Tract 9 in Whitley County, KYJade Pass Tract 9 in Whitley County, KY
Jade Pass Tract 9 in Whitley County, KY
Jade Pass Tract 9 in Whitley County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$30,900·5.8 AcresNo HOA

Owner financing: $999 down / $308/mo

Whitley County · KY

Jade Pass Tract 9 is a 5.80 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Jade Pass Tract 8 in Whitley County, KYJade Pass Tract 8 in Whitley County, KY
Jade Pass Tract 8 in Whitley County, KY
Jade Pass Tract 8 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$36,900·7 AcresNo HOA

Owner financing: $999 down / $370/mo

Whitley County · KY

Jade Pass Tract 8 is a 7.00 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Autumn Ridge Tract 13 in Leslie County, KYAutumn Ridge Tract 13 in Leslie County, KY
Autumn Ridge Tract 13 in Leslie County, KY
Autumn Ridge Tract 13 in Leslie County, KY+17 Photos
Owner FinanceNo HOA
1 / 21
$52,900·12.71 AcresNo HOA

Owner financing: $999 down / $535/mo

Leslie County · KY

Tract 13 is 12.71 +/- acres located centrally in the ranch with access off of the unmaintained dirt road. This tract is very wooded with tall, beau...

Buck Run Ridge Tract 21 in Wayne County, KYBuck Run Ridge Tract 21 in Wayne County, KY
Buck Run Ridge Tract 21 in Wayne County, KY
Buck Run Ridge Tract 21 in Wayne County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$69,900·13.07 AcresNo HOA

Owner financing: $999 down / $711/mo

Wayne County · KY

Tract 21 has great access along the provided dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildli...

Creek Hollow Phase II Tract 76 in Rockcastle County, KYCreek Hollow Phase II Tract 76 in Rockcastle County, KY
Creek Hollow Phase II Tract 76 in Rockcastle County, KY
Creek Hollow Phase II Tract 76 in Rockcastle County, KY+5 Photos
Owner FinanceNo HOA
1 / 9
$81,900·16.28 AcresNo HOA

Owner financing: $999 down / $835/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 76 is a 16.28-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timber...

Creek Hollow Phase II Tract 78 in Rockcastle County, KYCreek Hollow Phase II Tract 78 in Rockcastle County, KY
Creek Hollow Phase II Tract 78 in Rockcastle County, KY
Creek Hollow Phase II Tract 78 in Rockcastle County, KY+16 Photos
Owner FinanceNo HOA
1 / 20
$72,900·15.95 AcresNo HOA

Owner financing: $999 down / $742/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 78 is a 15.95-acre tract that offers rolling terrain, mixed hardwoods, a wet-weather creek, and natural clearings shape...

Woodland Heights Tract 14 in Wayne County, KYWoodland Heights Tract 14 in Wayne County, KY
Woodland Heights Tract 14 in Wayne County, KY
Woodland Heights Tract 14 in Wayne County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$39,900·7.36 AcresNo HOA

Owner financing: $999 down / $401/mo

Wayne County · KY

Tract 14 has access along Jonesville Cemetery Rd. It is wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife have bee...

Bluewater Ridge Tract 12 in Wayne County, KYBluewater Ridge Tract 12 in Wayne County, KY
Bluewater Ridge Tract 12 in Wayne County, KY
Bluewater Ridge Tract 12 in Wayne County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$35,900·4.32 AcresNo HOA

Owner financing: $999 down / $360/mo

Wayne County · KY

Tract 12 has great access along the county road and is only a few hundred yards from the river. It is very wooded with tall, beautiful trees throug...

Creek Hollow Phase II Tract 83 in Rockcastle County, KYCreek Hollow Phase II Tract 83 in Rockcastle County, KY
Creek Hollow Phase II Tract 83 in Rockcastle County, KY
Creek Hollow Phase II Tract 83 in Rockcastle County, KY+15 Photos
Owner FinanceNo HOA
1 / 19
$37,900·8.62 AcresNo HOA

Owner financing: $999 down / $381/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 83 is a 8.62-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timberi...

Jade Pass Tract 20 in Whitley County, KYJade Pass Tract 20 in Whitley County, KY
Jade Pass Tract 20 in Whitley County, KY
Jade Pass Tract 20 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$80,900·18.8 AcresNo HOA

Owner financing: $999 down / $824/mo

Whitley County · KY

Jade Pass Tract 20 is an 18.80 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, ...

Creek Hollow Phase II Tract 58 in Rockcastle County, KYCreek Hollow Phase II Tract 58 in Rockcastle County, KY
Creek Hollow Phase II Tract 58 in Rockcastle County, KY
Creek Hollow Phase II Tract 58 in Rockcastle County, KY+10 Photos
Owner FinanceNo HOA
1 / 14
$52,900·11.99 AcresNo HOA

Owner financing: $999 down / $535/mo

Rockcastle County · KY

Creek Hollow Phase II Tract 58 is a 11.99-acre tract that offers rolling terrain, mixed hardwoods, and natural clearings shaped by selective timber...

Jade Pass Tract 36 in Whitley County, KYJade Pass Tract 36 in Whitley County, KY
Jade Pass Tract 36 in Whitley County, KY
Jade Pass Tract 36 in Whitley County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$67,900·14.3 AcresNo HOA

Owner financing: $999 down / $690/mo

Whitley County · KY

Jade Pass Tract 36 is a 14.30 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, m...

Jade Pass Tract 12 in Whitley County, KYJade Pass Tract 12 in Whitley County, KY
Jade Pass Tract 12 in Whitley County, KY
Jade Pass Tract 12 in Whitley County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$33,900·6.1 AcresNo HOA

Owner financing: $999 down / $339/mo

Whitley County · KY

Jade Pass Tract 12 is a 6.10 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mo...

Creek Hollow Phase I Tract 44 in Rockcastle County, KYCreek Hollow Phase I Tract 44 in Rockcastle County, KY
Creek Hollow Phase I Tract 44 in Rockcastle County, KY
Creek Hollow Phase I Tract 44 in Rockcastle County, KY+6 Photos
Owner FinanceNo HOA
1 / 10
$37,900·8.74 AcresNo HOA

Owner financing: $999 down / $381/mo

Rockcastle County · KY

Tract 44 is densely wooded throughout. Many deer, turkey and other wildlife have been spotted in this great hunting area! This property lies among ...

Riverbend Tract 25 in Wayne County, KYRiverbend Tract 25 in Wayne County, KY
Riverbend Tract 25 in Wayne County, KY
Riverbend Tract 25 in Wayne County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$41,900·4.32 AcresNo HOA

Owner financing: $999 down / $422/mo

Wayne County · KY

Tract 25 has access along the unmaintained dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife...

Jade Pass Tract 7 in Whitley County, KYJade Pass Tract 7 in Whitley County, KY
Jade Pass Tract 7 in Whitley County, KY
Jade Pass Tract 7 in Whitley County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$36,900·7.02 AcresNo HOA

Owner financing: $999 down / $370/mo

Whitley County · KY

Jade Pass Tract 7 is a 7.02 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mou...

Blackstone Mountain Phase I Tract 8 in Clay County, KYBlackstone Mountain Phase I Tract 8 in Clay County, KY
Blackstone Mountain Phase I Tract 8 in Clay County, KY
Blackstone Mountain Phase I Tract 8 in Clay County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$51,900·8.44 AcresNo HOA

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....

Owner financing terms in Kentucky

Terms as each seller entered them (down payment, monthly payment on the seller's longest term). Updated October 16, 2026.

ListingPriceDownMonthlyTerm
Creek Hollow Phase II Tract 68$77,900$999$793/mo20 yr
Autumn Ridge Tract 17$47,900$999$484/mo20 yr
Creek Hollow Phase I Tract 52$24,900$999$247/mo20 yr
Black Oak Ranch Tract 1$63,900$999$649/mo20 yr
Majestic Rock Ranch Tract 1$53,900$999$546/mo20 yr
Trails End Tract 18$81,900$999$835/mo20 yr
Jade Pass Tract 35$46,900$999$473/mo20 yr
Creek Hollow Phase II Tract 57$52,900$999$535/mo20 yr
Creek Hollow Phase II Tract 65$65,900$999$669/mo20 yr
Creek Hollow Phase II Tract 79$76,900$999$783/mo20 yr

Owner-financed land in Kentucky: questions

How many owner-financed land listings are for sale in Kentucky?
LandyDandy lists 101 land listings for sale in Kentucky whose seller offers owner financing. The count changes as sellers add and sell land.
Do sellers check credit for owner-financed land in 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.

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