Owner-Financed Land for Sale in Navajo County, Arizona

No. We finance you directly (owner financing), so there is no bank, no credit check, and no proof of income. Land in Navajo County starts from $249 down and $129/month, plus a note servicing fee and property taxes.

Zoning is set per parcel and most of these rural lots allow a single-family dwelling plus recreational use. Confirm the specific lot in the Navajo County parcel map (zoning tab) or with Planning & Development Services.

Short recreational camping is fine, but RV or primitive camping on vacant land beyond 30 consecutive days in a calendar year is subject to code enforcement. To live in an RV while you build, you must first hold a building or mobile-home permit for your primary dwelling, then obtain a Temporary RV permit (valid up to one year).

A county building permit is required to build. Navajo County does not allow a shed or other structure to be placed on vacant land before the primary dwelling — a storage shed can only be permitted once construction documents are submitted and a building permit is opened.

No municipal water on these rural parcels. Owners typically drill a well (permit through the Arizona Department of Water Resources), install a cistern, or haul water.

An on-site septic system is required. A soil test is needed for the system area, and the system must be installed and inspected before it can be hooked up and the home occupied.

Most rural parcels are off-grid and owners use solar. Where grid power is available it is typically through APS or Navopache Electric Cooperative depending on the area — and the county only allows power to be connected after a valid primary-dwelling and septic permit are in place, not to vacant land first.

Low — Navajo County's effective rate is roughly 0.5%, so vacant parcels generally run well under $150 per year, varying by assessed value.

Reached by county and subdivision dirt roads; conditions vary by parcel — confirm access for the specific lot.

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 — and in Navajo County the primary-dwelling permit comes before sheds, RV occupancy, and grid power.