Owner-Financed Land for Sale in Costilla County, Colorado

No. We finance you directly (owner financing), so there is no bank, no credit check, and no proof of income. Land in Costilla County starts from $399 down and $175/month, plus a note servicing fee and property taxes.

Residential vacant land allowing residential and recreational use, governed by Costilla County Planning & Zoning.

Tent or RV camping is allowed up to 14 days in any 3-month period with no permit. To live in an RV while you build, a Temporary RV Occupancy permit is required (valid 90 days, renewable up to 18 months).

Building, water, and septic each require a county permit; construction permits renew annually. Owner-builders are welcome, and ADUs are allowed (roughly 600–800 sq ft).

No municipal water. Owners typically drill a well (commonly 100–300 ft; permit through the Colorado Division of Water Resources), install a cistern, or haul water.

An on-site wastewater (OWTS/septic) permit is required; the system must be installed and inspected before an occupancy permit is issued.

Most parcels are off-grid and owners use solar. Grid power (San Luis Valley REC) is available in some areas — confirm for the specific lot.

Low — roughly $100 per year, varying by parcel.

Reached by maintained dirt county roads.

You can camp and vacation on your land right away. To live there full-time, you'll first set up a water source, a septic system, and the related county permits.