3.68 acres in Rio Rico with power on the street, $1,950 down, and a $363 monthly path to the deed.

This is a 3.68-acre lot at 338 Anfibio Ct in Rio Rico, Arizona, in Santa Cruz County. The land is on a gentle downhill slope at 3,639 ft elevation, in the Rio Rico Ranchettes subdivision. Tucson is about 60 minutes north on I-19. The Mexican border at Nogales is 10 minutes south.

$1,950 gets you started. That's 10% of the $19,499 cash price. The rest is owner financing. No banks. No credit checks. No prepayment penalties. The current monthly plan runs $363 a month over 72 months at 10.9% interest, and a 12-month plan can run as low as 1.9% if you want to pay it off fast. After 12 on-time payments you can defer one if life gets tight. Pay it off early anytime, no penalty. Call or text (313) 349-0434 to work out the right plan for your budget.

Annual property taxes are $93.78. Cash buyers get the first year covered by us.

The zoning is R-2, Medium-Density Multifamily Residential. Site-built homes are allowed and the minimum building size is 1,200 square feet. Mobile, manufactured, and modular homes are not allowed in R-2. RVs and camping are not permitted as a residence. R-2 also allows duplex and small multi-family builds by right, which is a useful path for a builder or an investor.

Utilities are close. Power runs along the street. A private water company has lines near the lot line. Sewage would be a septic system installed at build time. Get firm hookup quotes from the Rio Rico water company and the county before you build, and we'll hand you the parcel info to make that easy.

Two things to be straight about. First, the access. The parcel is shaped like a flagpole, with a narrow access strip running straight down to the wider main lot. The slope along that access strip is about 7%, which is drivable but on the steeper side for a residential driveway. You'll want to walk it before committing, especially if you plan to get a builder's truck or a manufactured home delivery to the back of the lot. Second, a small wash runs through the rear boundary, covering about 0.14 acres of the 3.68. A wash is a dry channel that carries water briefly during storms. It does not affect the buildable area at the front of the lot, but you don't want to put your septic field over it.

The lot is not in a flood zone. No wetlands beyond the wash described above. The Rio Rico Ranchettes subdivision is low-density residential with rural-area covenants for single-family living.

Rio Rico itself is a community of about 19,000 people, set in the Santa Cruz River corridor with mountain views east and the Coronado National Forest at your back. It's classic southern Arizona high desert, with year-round building weather.

We close through a title company with title insurance. You get a warranty deed recorded in your name, not a contract for deed. We cover escrow, closing fees, and the insurance policy. Title is free and clear and the survey is on file. Cash closings run about 2 weeks. To lock the parcel in your name we need both a deposit and a signed purchase agreement, deposit alone doesn't hold it.

Call or text us anytime at (313) 349-0434 and we'll send paperwork over and talk through monthly payment options together.