0.27 acres in White Mountain Lakes near Show Low, $1,199 down and $355 a month puts you on the deed.

This is a 0.27-acre lot at 1838 Rocky Bottom Pl in Show Low, Arizona, in Navajo County. The land is on a gentle downhill slope at 6,079 ft elevation, in the White Mountain Lakes Unit 3 subdivision. Show Low sits in the White Mountains of eastern Arizona, with cool summers, real winters, and the Apache-Sitgreaves National Forest at your back. The town has about 11,000 people, a regional hospital, and a small commercial airport. Phoenix is about 3 hours south, Flagstaff is 2 hours west on AZ-77 to I-40.

$1,199 gets you started. That's 7% of the $16,499 cash price. The rest is owner financing. No banks. No credit checks. No prepayment penalties. The current monthly plan runs $355 a month over 60 months at 13.9% 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 you need to. Pay it off early anytime, no penalty. Call or text (313) 349-0434 and we'll talk through the right plan.

Annual property taxes are $98.18. Cash buyers get the first year covered by us.

The zoning is RU-1, Rural Residential. Site-built homes are allowed and the minimum building size is 1,000 square feet. Mobile, manufactured, and modular homes are not allowed in this zone. RVs and camping are not permitted as a residence. The CCRs for White Mountain Lakes Unit 3 are written for a single-family residential community, so you're buying into a built-up neighborhood, not raw land in the middle of nowhere.

Utilities are within reach. Power runs 545 ft east along the front boundary of 8280 Skyline Dr. A private water company has lines near the lot line. Sewage on this lot would be a vault or holding tank rather than a full septic system, which is a Navajo County rule for parcels of this size in this area. Get firm hookup quotes from the local water company and the county before you build, and we'll send the parcel info to make those calls easy.

One thing to flag. A small portion of the western boundary (about 0.05 of the 0.27 acres) falls into FEMA Flood Zone AE. That's a 1% annual flood risk, and any structure built inside Zone AE will require flood insurance from a lender. The vast majority of the lot, including the practical build site, is outside Zone AE. You'll want to confirm exact placement with a surveyor before you pour a foundation, and we'll hand you the elevation map to make that easy.

The lot is not in wetlands. The survey is on file. The access is a gravel road, drivable in a normal vehicle in summer, AWD in winter or mud season.

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. 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 reserve it.

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