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Owner-Financed Land for Sale in Wayne County, Kentucky

22 owner-financed lots for sale in Wayne County, Kentucky on LandyDandy, from $31,900 to $69,900. Typical down payment $999 and monthly payment $515 (median of the 22 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

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...

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...

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...

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, ...

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 ...

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...

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
Beautiful California Pines
Stone Bridge Phase I Tract 71
Red Rock Ranch Tract 6
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...

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...

Buck Run Ridge Tract 26 in Wayne County, KYBuck Run Ridge Tract 26 in Wayne County, KY
Buck Run Ridge Tract 26 in Wayne County, KY
Buck Run Ridge Tract 26 in Wayne County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$66,900·11.11 AcresNo HOA

Owner financing: $999 down / $680/mo

Wayne County · KY

Tract 26 has great access along the provided dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildli...

Bluewater Ridge Tract 15 in Wayne County, KYBluewater Ridge Tract 15 in Wayne County, KY
Bluewater Ridge Tract 15 in Wayne County, KY
Bluewater Ridge Tract 15 in Wayne County, KY+12 Photos
Owner FinanceNo HOA
1 / 16
$68,900·3.25 AcresNo HOA

Owner financing: $999 down / $700/mo

Wayne County · KY

Tract 15 has great access along the county road and has beautiful river front views. It is very wooded with tall, beautiful trees throughout. Many ...

Rolling Hills Tract 11 in Wayne County, KYRolling Hills Tract 11 in Wayne County, KY
Rolling Hills Tract 11 in Wayne County, KY
Rolling Hills Tract 11 in Wayne County, KY+4 Photos
Owner FinanceNo HOA
1 / 8
$40,900·6.19 AcresNo HOA

Owner financing: $999 down / $412/mo

Wayne County · KY

Tract 11 has access along an unmaintained dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife ...

Rolling Hills Tract 15 in Wayne County, KYRolling Hills Tract 15 in Wayne County, KY
Rolling Hills Tract 15 in Wayne County, KY
Rolling Hills Tract 15 in Wayne County, KY+10 Photos
Owner FinanceNo HOA
1 / 14
$32,900·4.78 AcresNo HOA

Owner financing: $999 down / $329/mo

Wayne County · KY

Tract 15 has access along an unmaintained dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife ...

Poppy’s Point Tract 6 in Wayne County, KYPoppy’s Point Tract 6 in Wayne County, KY
Poppy’s Point Tract 6 in Wayne County, KY
Poppy’s Point Tract 6 in Wayne County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$50,900·6.23 AcresNo HOA

Owner financing: $999 down / $515/mo

Wayne County · KY

Poppy’s Point Tract 6 is a 6.23-acre property accessible via unmaintained dirt road. Tree cover is dense with numerous hardwoods indigenous to sout...

Poppy’s Point Tract 5 in Wayne County, KYPoppy’s Point Tract 5 in Wayne County, KY
Poppy’s Point Tract 5 in Wayne County, KY
Poppy’s Point Tract 5 in Wayne County, KY+7 Photos
Owner FinanceNo HOA
1 / 11
$51,900·6.25 AcresNo HOA

Owner financing: $999 down / $525/mo

Wayne County · KY

Poppy’s Point Tract 5 is a 6.25-acre property accessible via unmaintained dirt road. Tree cover is dense with numerous hardwoods indigenous to sout...

Rolling Hills Tract 18 in Wayne County, KYRolling Hills Tract 18 in Wayne County, KY
Rolling Hills Tract 18 in Wayne County, KY
Rolling Hills Tract 18 in Wayne County, KY+18 Photos
Owner FinanceNo HOA
1 / 22
$43,900·4.53 AcresNo HOA

Owner financing: $999 down / $443/mo

Wayne County · KY

Tract 18 has access along Tucker Rd, which is a county maintained road. This property consists of meadows with few to no trees. Many deer, turkey a...

Poppy’s Point Tract 4 in Wayne County, KYPoppy’s Point Tract 4 in Wayne County, KY
Poppy’s Point Tract 4 in Wayne County, KY
Poppy’s Point Tract 4 in Wayne County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$55,900·6.82 AcresNo HOA

Owner financing: $999 down / $566/mo

Wayne County · KY

Poppy’s Point Tract 4 is a 6.82-acre property accessible via unmaintained dirt road. Tree cover is dense with numerous hardwoods indigenous to sout...

Riverbend Tract 13 in Wayne County, KYRiverbend Tract 13 in Wayne County, KY
Riverbend Tract 13 in Wayne County, KY
Riverbend Tract 13 in Wayne County, KY+8 Photos
Owner FinanceNo HOA
1 / 12
$31,900·3.66 AcresNo HOA

Owner financing: $999 down / $319/mo

Wayne County · KY

Tract 13 has access along an unmaintained dirt road, and backs up to the river. It is very wooded with tall, beautiful trees throughout. Many deer,...

Rolling Hills Tract 10 in Wayne County, KYRolling Hills Tract 10 in Wayne County, KY
Rolling Hills Tract 10 in Wayne County, KY
Rolling Hills Tract 10 in Wayne County, KY+13 Photos
Owner FinanceNo HOA
1 / 17
$50,900·7.27 AcresNo HOA

Owner financing: $999 down / $515/mo

Wayne County · KY

Tract 10 has access along an unmaintained dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildlife ...

Buck Run Ridge Tract 16 in Wayne County, KYBuck Run Ridge Tract 16 in Wayne County, KY
Buck Run Ridge Tract 16 in Wayne County, KY
Buck Run Ridge Tract 16 in Wayne County, KY+9 Photos
Owner FinanceNo HOA
1 / 13
$58,900·10.14 AcresNo HOA

Owner financing: $999 down / $597/mo

Wayne County · KY

Tract 16 has great access along the provided dirt road. It is very wooded with tall, beautiful trees throughout. Many deer, turkey and other wildli...

Owner financing terms in Wayne County, Kentucky

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

ListingPriceDownMonthlyTerm
Woodland Heights Tract 9$57,900$999$587/mo20 yr
Bluewater Ridge Tract 16$55,900$999$566/mo20 yr
Buck Run Ridge Tract 23$46,900$999$473/mo20 yr
Buck Run Ridge Tract 17$58,900$999$597/mo20 yr
Rolling Hills Tract 1$34,900$999$350/mo20 yr
Riverbend Tract 3$62,900$999$639/mo20 yr
Rolling Hills Tract 12$33,900$999$339/mo20 yr
Buck Run Ridge Tract 21$69,900$999$711/mo20 yr
Woodland Heights Tract 14$39,900$999$401/mo20 yr
Bluewater Ridge Tract 12$35,900$999$360/mo20 yr

Owner-financed land in Wayne County, Kentucky: questions

How many owner-financed land listings are for sale in Wayne County, Kentucky?
LandyDandy lists 22 land listings for sale in Wayne 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 Wayne 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 Wayne County Land a Good Investment?

The Wayne County land market generated $4.0M 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 $25,534, for a typical 1.4-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 Wayne County market? Check out our Wayne County Land Market Insights.

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