Real Assets with Mountain Views
Concho, AZ 85924
Apache County, Arizona
Land Description
Build Generational Wealth - 1.04-Acre Arizona Investment for Less Than Car Payments
Discover your pathway to real estate ownership and long-term wealth building on this strategic 1.04-Acre property in Concho, Arizona. With level terrain, mountain views, owner financing requiring just $349 down and $250 monthly, and annual taxes of only $16.52, this land isn't just a parcel - it's your opportunity to finally own a tangible asset that appreciates while you sleep, to break free from the paycheck-to-paycheck cycle, and to start building the financial security and generational wealth your family deserves.
Affordable Ownership Options:
Cash Price: Own it outright for just $8,990 plus $249 doc fee
Owner Financing - No Credit Check Required: We believe real estate investing should be accessible to working people regardless of credit history, which is why we offer straightforward owner financing designed specifically for aspiring investors building wealth.
• Initial deposit: Just $349 to get started (includes $249 non-refundable doc fee plus $100 down payment toward purchase price)
• Monthly payments: Only $250 per month for 40 months - less than most car payments and a fraction of typical rent
• Total financed amount: $10,100 over 40 months
• Deed transferred upon completion: Once your final payment is made, the deed is transferred and filed with the county recorder in your name - it's that simple.
No hidden fees. No balloon payments. No interest. No prepayment penalties. No credit checks. No income verification. No judgment about past financial struggles. Just honest, transparent terms that make real estate investing achievable for anyone earning steady income and committed to building a better financial future. At $250 monthly, this investment payment is less than what many people waste on consumption that builds zero wealth.
Property Details:
Apn: 201-28-142
Location: Concho Valley Unit 2, Concho, Az
Coordinates: 34.44081, -109.60957
County: Apache County
Acreage: 1.04 acres
Zoning: Agricultural with 800 sq. ft. minimum
RV Allowed: Yes, with no time limit to build
Power: One mile away - contact APS ) or Navopache Electric Coop )
Water: Well or water hauling required
Annual Property Taxes: Only $16.52
Terrain: Level, lightly vegetated, easy to develop
Distance to Show Low: 30 minutes
Distance to St. Johns: 30 minutes
Distance to Snowflake: 40 minutes
Property Features: Level lot, mountain views, RV friendly, remote setting, adjoining parcels available, small home approved, low taxes, easy to build
Why This Property Stands Out:
REAL Asset Building Real Wealth: If you're tired of watching your savings account earn pennies while inflation eats away your purchasing power, consider what land ownership offers instead. Land is a finite resource that generally appreciates over time, especially in growing areas of Arizona. Unlike stocks that can crash to zero or savings that lose value to inflation, land remains a tangible asset you can physically visit, improve, and control. This 1.04-Acre property in Arizona's White Mountains region sits in an area experiencing steady growth as more people discover the affordability and quality of life the region offers. Your $250 monthly investment builds equity in an appreciating asset rather than disappearing into rent, entertainment, or depreciating purchases. After just 40 months of payments totaling $10,000, you own over an acre of Arizona real estate outright - property that could be worth significantly more by then and will continue appreciating for decades. This is how regular working people build wealth - not through high incomes but through smart ownership of appreciating assets acquired affordably over time.
JUST $349 TO Start Building Your Investment Portfolio: Traditional real estate investing seems impossible when you're facing $20,000 down payments and strict lending requirements, but this property makes entry achievable immediately. For just $349 total - less than a month's rent in most cities - you become a real estate investor and landowner this week. That $349 includes the documentation fee and your first payment toward property you'll own. No massive savings account required. No perfect credit demanded. No complicated loan applications or invasive financial scrutiny. No waiting years while saving for conventional down payments that keep rising faster than you can save. Just straightforward terms designed specifically for working people who deserve wealth-building opportunities even without trust funds or six-figure incomes. This accessibility is what transforms real estate investing from an impossible dream into an achievable reality for anyone earning regular income and committed to their financial future.
MONTHLY Payments Less Than Entertainment Subscriptions: At just $250 monthly, this investment payment is less than what many families spend on streaming services, dining out, or other discretionary expenses that provide zero long-term value. Consider the financial comparison - spending $250 monthly on entertainment leaves you with nothing after 40 months except memories. Investing $250 monthly in this land leaves you with over an acre of Arizona real estate owned free and clear, an asset you can develop, sell, or pass to children. The payment fits comfortably into working-class budgets without requiring sacrifice or lifestyle changes. Simply redirect money currently spent on things that build no wealth toward an investment that compounds value over decades. This is the mindset shift that separates people who build wealth from people who stay trapped in financial struggle - choosing assets over consumption, choosing future security over temporary pleasure.
LEVEL Terrain Reduces Future Development Costs: One of the smartest aspects of this investment is the naturally level terrain that minimizes future development expenses when you're ready to build or improve the property. Level land means no expensive excavation or extensive grading required when development time arrives. Simpler, more affordable construction when you decide to build. Easier installation of utilities, driveways, and infrastructure. Lower site preparation costs means more of your future investment goes into the improvements themselves rather than fighting difficult terrain. For investors planning eventual development or resale, this buildable character enhances property value and reduces the capital required for improvements. You're not buying problematic land that requires massive investment before it's usable - you're buying ready-to-develop acreage that maximizes your return on future investments.
MINIMAL Holding Costs Protect Your Investment: At just $16.52 annually in property taxes - less than $1.38 monthly - the carrying costs on this investment are almost negligible. This minimal expense means you can hold the property long-term without financial stress, letting appreciation work for you over years or decades. Weather economic downturns without being forced to sell at bad times. Take your time deciding when and how to develop or sell. Pass the investment to children without burdening them with high ongoing costs. Maintain ownership even if your income temporarily decreases. For investors with limited budgets, these minimal taxes are essential for making long-term holds practical. Many investors are forced to sell properties prematurely because high taxes create unbearable carrying costs - that won't happen here. You control the timeline rather than being pressured by financial burdens.
MULTIPLE Exit Strategies And Investment Approaches: Smart investing requires flexibility and options, and this property delivers multiple pathways to profit and security. Hold long-term for appreciation as Arizona continues growing and land becomes scarcer. Develop with a small cabin or manufactured home, creating rental income or vacation property. Sell when appreciation makes sense, pocketing the profit and moving to larger investments. Trade or exchange for other real estate as your portfolio grows. Pass to children as generational wealth and financial foundation. Use as collateral for future borrowing if you pursue additional investments. This flexibility means your investment adapts to changing goals, opportunities, and family situations rather than locking you into a single strategy that may not serve you long-term.
RV Friendly With NO Build Timeline Pressure: The property's RV-friendly zoning with no mandatory build timeline provides exceptional flexibility for investors at various stages. Park an RV for weekend visits while you're holding the investment and enjoying the land. Generate rental income by allowing others to use the property for camping or recreation. Establish a presence and connection to the land while appreciation works for you. Eventually build when finances and timing align perfectly rather than being forced by arbitrary deadlines. This flexibility is crucial for investors balancing multiple financial priorities and building wealth methodically rather than rushing into expensive construction before you're ready. The land patiently waits, appreciating in value, while you control the development timeline based on your financial situation and goals.
AFFORDABLE 800 Square Foot Minimum Enables Modest Development: When you eventually decide to develop, the 800 square foot minimum building requirement keeps construction affordable and achievable. Build a small, efficient cabin perfect for weekend use or eventual rental. Construct a modest starter home that generates income or provides family housing. Place a manufactured home meeting minimums at a fraction of conventional construction costs. Create a small retreat you can enjoy while continuing to invest elsewhere. The minimal requirement means you're not forced into expensive construction that consumes all your capital. You can develop modestly, affordably, and strategically rather than being mandated into projects that strain your finances. This flexibility protects your investment rather than forcing expensive decisions.
About Concho And Apache County:
Concho isn't just another small town - it's a strategic investment location in Arizona's White Mountains region where affordability, growth potential, and quality of life converge to create genuine opportunity for smart investors.
ARIZONA'S Growth Creates Appreciation Potential: Arizona continues experiencing population growth and economic expansion that drives real estate appreciation, particularly in affordable regions like the White Mountains. People fleeing expensive coastal markets discover Arizona's combination of natural beauty, low taxes, and affordability. Remote work enables more people to live in areas like Concho while maintaining incomes from elsewhere. Retirees seek affordable retirement locations with four-season climate and outdoor recreation. This demographic shift creates steady demand for land and housing in previously overlooked areas. Your investment today positions you ahead of this trend, owning property before broader market discovery drives prices significantly higher. Early investors in growing regions capture the most appreciation - you're buying today at prices people will wish they'd paid in ten years.
STRATEGIC Triangle Location Between Larger Towns: Concho's positioning between Show Low, Snowflake, and St. Johns - each just 30 minutes away - creates strategic value for investors. Properties with reasonable access to employment, shopping, and services appreciate better than completely isolated land. Future buyers or renters value the balance of peaceful rural living with practical town access. The triangle location provides redundancy - if one town stagnates, the others still provide economic support. This accessibility enhances your property's eventual marketability and value compared to truly remote parcels hours from anywhere. You're investing in well-positioned land rather than gambling on isolated acreage with questionable future demand.
MINIMAL Property Taxes Protect Long-Term Holds: Arizona's low property taxes, especially on undeveloped land, make long-term investment holds financially sustainable. At $16.52 annually, you can hold this property for decades for less than what some investors pay monthly in taxes on single properties elsewhere. This minimal carrying cost means appreciation compounds without being eroded by high ongoing expenses. You can weather market cycles patiently rather than being forced to sell during downturns. The investment remains profitable even with modest appreciation because costs don't consume returns. Many aspiring investors fail because high taxes force premature sales - that won't be your story with this property.
OUTDOOR Recreation Adds Personal Enjoyment Value: While investing purely for financial returns, this property provides personal enjoyment value that stocks and bonds never offer. Visit your land on weekends, camping and enjoying the White Mountains region. Use the property for hiking, stargazing, and outdoor recreation while it appreciates. Teach children about land ownership, nature, and financial planning through hands-on experience. Create family memories on property that simultaneously builds wealth. This dual benefit - financial appreciation plus personal use - makes land investing especially satisfying compared to abstract paper investments. You're building wealth while enjoying life rather than delaying gratification indefinitely.
FOUR-SEASON Moderate Climate: Concho's elevation provides comfortable year-round climate that supports property use and enhances investment appeal. Cool summers without dangerous heat make the area attractive to visitors and future residents. Mild winters with occasional scenic snow add beauty without extreme cold or inaccessibility. This moderate climate means the property remains accessible and usable twelve months annually rather than being seasonal or weather-limited. Year-round usability enhances investment value and future marketability compared to areas with extreme seasonal limitations.
ESSENTIAL Services Nearby Enhance Marketability: When you eventually sell or rent, having essential services in Concho and nearby larger towns enhances your property's marketability and value. Family Dollar, gas stations, restaurants, and basic services demonstrate established infrastructure. Larger towns provide healthcare, major shopping, and employment opportunities. This service availability means future buyers or renters can actually live here comfortably rather than viewing the property as purely recreational. Properties supporting full-time residence command higher values and attract broader buyer pools than purely remote recreational land.
CONCHO'S Authentic Character Appeals TO Growing Markets: The area's genuine Western heritage, cowboy history, and Southwestern charm appeal to demographic groups driving Arizona growth. Retirees seeking authentic Western experience without tourist crowds. Remote workers wanting affordable living with character and outdoor access. Families seeking safe, affordable communities away from urban chaos. This authentic character creates emotional appeal that enhances property value beyond mere financial calculations. Properties with story and character appreciate better than generic parcels in bland developments.
Endless Possibilities Await:
Whether you're making your first real estate investment to start building wealth, diversifying beyond savings accounts that lose value to inflation, creating generational wealth you can pass to children, establishing a financial foundation for future growth, securing tangible assets that appreciate while you work your job, building a real estate portfolio one affordable property at a time, or simply proving to yourself that wealth-building is possible regardless of your current income, this 1.04-Acre Concho property delivers accessibility, affordability, and genuine appreciation potential.
Picture yourself making that final payment in just over three years and owning over an acre of Arizona real estate free and clear. Imagine checking property values in five or ten years and seeing significant appreciation on your $10,000 investment. Envision selling the property someday and using profits to buy a larger investment or fund your children's education. Consider the pride of telling your kids you own real estate and building their understanding of wealth creation. Think about the security of owning tangible assets that can't disappear in market crashes. Visualize this first investment becoming the foundation of a real estate portfolio that eventually provides financial independence. This property offers you the affordable entry point to real estate investing - you provide the discipline and long-term thinking to follow through.
Ready To Take The Next Step?
Don't let this opportunity slip away. Affordable Arizona land with this combination of level terrain, low taxes, and strategic location rarely stays available long as more investors discover the wealth-building potential of real estate. At just under $9,000 cash or only $250 monthly with just $349 down, this Concho property represents your genuine entry point to real estate investing and wealth building.
Contact us today for:
• Simple next steps to secure this investment with just $349 down
• Detailed information about the payment process and timeline
• Answers to questions about holding strategies, development options, or future resale
• Information about visiting the property and assessing the investment personally
• Guidance about Arizona land investment strategies
• Connections to local services and contractors for future development
• Assistance with the straightforward purchasing process
• Support and education for first-time real estate investors
Your wealth-building journey starts with one decision. With affordable financing requiring no credit checks, minimal annual taxes of just $16.52, level terrain ready for eventual development, and monthly payments of just $250 that build real equity, this Concho property delivers your pathway from aspiring investor to actual landowner building generational wealth. Stop watching others build wealth through real estate while you remain on the sidelines. Stop letting fear of the unknown prevent you from taking the first step toward financial security. Stop making excuses about why you can't invest while continuing to spend money on consumption that builds nothing. The time to act is now - while this affordable property is still available and while you can still secure these payment terms.
Make this exceptional investment yours today - your journey to real estate wealth starts with $349 and one decision to finally own an appreciating asset.
Land Maps & Attachments
Directions to Land
From St Johns, Arizona 85936
Follow US-180 W and AZ-61 W to County Rd 5100
20 min (18.0 mi)
Take 5098/Clubhouse Ln, 5083/Spring Dr, Ranch Dr and Oak Ln to 5077
11 min (3.0 mi)
More Land Details
Land Price History
More Land from Stephanie Dean
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New0.5 AC : $7.2K - 0.3 AC : $6K
- New0.3 AC : $4.8K
- 0.4 AC : $6.4K
- 1 AC : $9.8K
- New1.6 AC : $9K
- 0.8 AC : $27.8K
- New0.6 AC : $5K
- 0.4 AC : $6.8K
- 0.3 AC : $4.2K
- 0.3 AC : $5.8K
- 0.4 AC : $6.7K
