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Owner-Financed Land for Sale in Clay County, Texas

1 owner-financed lot for sale in Clay County, Texas on LandyDandy, priced at $89,000. Typical down payment $5,500 and monthly payment $1,103 (median of the 1 listing that show terms). Updated October 8, 2026. Each seller sets the price, down payment, interest rate, term and qualification, and the listing shows them. How owner financing works for land

11 Acres Clay County | $5,500 Down | $1,188/mo | 10 min Wichita Falls in Clay County, TX11 Acres Clay County | $5,500 Down | $1,188/mo | 10 min Wichita Falls in Clay County, TX
11 Acres Clay County | $5,500 Down | $1,188/mo | 10 min Wichita Falls in Clay County, TX
11 Acres Clay County | $5,500 Down | $1,188/mo | 10 min Wichita Falls in Clay County, TX+2 Photos
Owner FinanceNo HOA
1 / 6
$89,000·11 AcresNo HOA

Owner financing: $5,500 down / $1,103/mo

8340 FM 2393 · Clay County · TX

11 acres in Clay County, about 10 minutes from Wichita Falls. $5,500 down, $1,188 a month, or $89,000 cash. Owner financed, no banks, no credit che...

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Owner financing terms in Clay County, Texas

Terms as each seller entered them (down payment, monthly payment on the seller's longest term). Updated October 8, 2026.

ListingPriceDownMonthlyTerm
11 Acres Clay County • $5,500 Down • $1,188/mo • 10 min Wichita Falls$89,000$5,500$1,103/mo10 yr

Owner-financed land in Clay County, Texas: questions

How many owner-financed land listings are for sale in Clay County, Texas?
LandyDandy lists 1 land listing for sale in Clay County, Texas 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, Texas?
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 has tracked 18 new listings entering the market in just the last 90 days. With a median asking price per acre of $8,000, for a typical 23-acre parcel, buyers should be prepared to act reasonably fast on quality deals. Want to learn more about the Clay County market? Check out our Clay County Land Market Insights.

Clay County Properties By Type

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