1.67 acres in Rio Rico with power on the street, water lines near the lot, and $422 a month gets you on the deed.

This is a 1.67-acre lot at 1629 Tonina Ct in Rio Rico, Arizona, in Santa Cruz County. The land is on a gentle downhill slope at 3,456 ft elevation, in the Rio Rico Ranchettes subdivision. Tucson is about 60 minutes north on I-19. The Mexican border at Nogales is 15 minutes south.

$3,999 gets you started. That's 17% down on the $22,999 cash price. The rest is owner financing. No banks. No credit checks. No prepayment penalties. The current plan runs $422 a month over 60 months at 11.9% interest, and a 12-month plan can run as low as 1.9% if you want to pay it off faster. 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 work out the right plan together.

Annual property taxes are $146.56. Cash buyers get the first year covered by us.

The zoning is R-2, Multi-Family 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. The R-2 zoning means duplexes and small multi-family builds are also allowed by right, which is a useful path for an investor or a multi-generational family setup.

Utilities are close. Power runs along the street. City and county water lines are near the lot line. Sewage would be a septic system installed at build time. Get firm hookup quotes from the local Rio Rico utility providers before you build, and we'll send the parcel info to make those calls easy.

Two things to be straight about. First, the access is a gravel road and the parcel slopes downhill from the road to the back. Per the seller's measurement, about 1/4 acre at the front of the lot is the practical buildable pad, and the rest of the parcel slopes off behind it. That's plenty of room for a 1,200 sq ft home, a driveway, and a septic field, but it's not 1.67 acres of flat ground. Second, the northwest corner of the parcel falls into FEMA Flood Zone A and covers about 0.40 of the 1.67 acres. Zone A means a 1% annual flood risk, and lenders will require flood insurance on any structure built inside Zone A. The build site at the front of the lot is outside Zone A, which is the practical answer, but you'll want to confirm exact placement with a surveyor and the county before you pour a foundation.

Wetlands: none. The lot is in the Rio Rico Ranchettes subdivision, which is a low-density residential development with paved-and-gravel roads and existing neighbors. Rio Rico itself is a community of about 19,000 people 15 miles north of the border, on the Santa Cruz River corridor. It's classic southern Arizona high desert, with mountain views and the Coronado National Forest to the east.

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.