Concho, a small rural community near St. Johns in Apache County, offers some of the most affordable parcels in the state. The high‑desert plateau of juniper scrub and wide open skies makes it a favorite for off‑grid living, hobby farming, or a weekend retreat. In this article you’ll learn how White Mountain Land—family‑owned and run by Sam Rosales out of Snowflake, AZ—structures its owner‑financed deals, what taxes look like, and which local offices you should contact before signing.
How does owner financing work in Concho?
White Mountain Land provides a simple, low‑barrier owner‑financing option that lets you bypass traditional lenders. The interest rate is a flat 10 % APR, there is **no credit check**, and the down payment can be as low as you can comfortably afford. Monthly payments bundle the principal, interest, and **property taxes**, so you never have to remember a separate tax bill. Every payment has a five‑day grace period, there is **no balloon payment**, and the contract contains a due‑on‑sale clause that protects both buyer and seller. For the full terms see the owner‑finance page. The family‑run business, based in Snowflake, has already completed **more than 100 land transactions in Navajo County**, giving them solid experience in northeast Arizona land sales.
What are the property tax responsibilities for land in Apache County?
Apache County assesses property tax based on the parcel’s assessed value and the county’s tax rate, which can vary year to year. Because White Mountain Land includes the tax amount in your monthly owner‑financing payment, you won’t need to send a separate check to the county. If you’re buying with cash, you’ll receive the tax bill from the **Apache County Treasurer** after the sale closes (the Assessor sets the value; the Treasurer bills and collects). For the most current rates and payment schedules, consult the official guide on the Arizona Department of Revenue’s property‑tax page: AZDOR Property Tax.
Can I buy land with cash and skip financing?
Absolutely. If you have the funds ready, a cash purchase eliminates interest costs and simplifies the closing process. White Mountain Land lists all cash‑available parcels on its cash land page, where you can view price, size, and any existing utilities. With cash you’ll still need to arrange for the property‑tax payment directly with Apache County, but you’ll own the land outright from day one and can record the deed without a financing clause.
Do I need a credit check for owner‑financed parcels?
No. One of the biggest advantages of White Mountain Land’s owner‑financing program is that **there is no credit check**. The seller evaluates the buyer’s ability to make the agreed‑upon down payment and monthly installments, rather than pulling a credit report. This approach opens the market to buyers who may have limited credit history but can demonstrate reliable income or savings. It also speeds up the approval process, often closing within a few weeks.
How much down payment is typical for Concho parcels?
The down payment is intentionally kept low to make land ownership accessible. White Mountain Land does not publish a fixed percentage; the down payment is set parcel by parcel. Because exact amounts can depend on the parcel size, price, and the buyer’s financial situation, the best step is to contact the sales team directly and discuss what works for you. They will outline the exact figure needed to start the financing schedule.
What should I check with Apache County before closing?
Before you sign any agreement, it’s wise to verify a few local details with the **Apache County Planning & Zoning Office**. Ask about any required setbacks, frontage requirements, water rights, or agricultural restrictions that could affect your intended use. Rules differ from parcel to parcel, so ask about the specific parcel number rather than the area in general. Additionally, confirm the current property‑tax rate and any special assessments that might apply to the parcel you’re interested in. Doing this homework now prevents surprises after you’ve taken ownership.