Large Lot, Utilities, Beach 1 Mile
1106 W Cardinal Drive : Horseshoe Bend, AR 72512
Izard County, Arkansas
Land Description
Own Your Future for $150 a Month - 0.44-Acre Lot in Pioneer Park with No Credit Check
Discover your pathway to property ownership on this exceptional 0.44-Acre lot in Horseshoe Bend's accessible Pioneer Park neighborhood. With all utilities ready including fiber internet, walking distance to parks and Pioneer Lake Beach, and owner financing requiring just $349 down and $150 monthly, this property isn't just land - it's your opportunity to stop paying rent with nothing to show for it, to finally have your name on a deed, and to start building equity and a future that belongs to you rather than a landlord.
Property Details:
Apn: 800-08819-000
Address: 1106 W Cardinal Dr, Horseshoe Bend, AR 72512
County: Izard County
Subdivision: Pioneer Park
Acreage: 0.44 acres
Lot Type: Large level lot
Zoning: Residential with 1,000 sq. ft. minimum (720 sq. ft. heated)
RV Allowed: Yes, during construction up to 6 months
Power: Available at property
Water: Municipal water available
Trash Removal: Weekly curbside
Internet: High-speed fiber optic available
Cell Service: Good reception
Road: Paved road with year-round access
Annual Property Taxes: Only $53.72
Distance to Park: Around the corner
Distance to Pioneer Lake Beach: Under 1 mile
Distance to Public Pool and Library: Under 1 mile
Distance to Golf Course and Veteran's Park: 1 mile
Distance to Stores and Restaurants: 1.5 miles
Property Features: Electricity available, water available, fiber internet, large lot, walk to lake, walk to park, paved road, level terrain, good cell service
Affordable Ownership Options:
Cash Price: Own it outright for just $4,973 plus $249 doc fee
Owner Financing - No Credit Check Required: We believe property ownership should be accessible to everyone willing to commit, regardless of credit history or current financial status, which is why we offer straightforward owner financing designed for real working people.
• Initial deposit: Just $349 to get started (includes $249 non-refundable doc fee plus $100 down payment toward purchase price)
• Monthly payments: Only $150 per month for 39 months - less than virtually any rent payment anywhere
• Total financed amount: $5,850 over 39 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 bank approval processes. No judgment about past financial mistakes. Just honest, transparent terms that make property ownership achievable for anyone earning regular income and committed to their future. At $150 monthly, this payment fits into virtually any budget - it's less than most streaming service subscriptions, less than dining out twice monthly, less than a car payment, and a tiny fraction of typical rent. If you can afford to rent, you can afford to own this property.
Why This Property Stands Out:
ESCAPE The Rental Trap For Less Than Monthly Rent: If you're tired of watching rent checks disappear month after month while building zero equity, consider this reality - at just $150 monthly, this property payment is less than what most people pay for a single utility in expensive rental markets and a fraction of what you're probably paying in monthly rent right now. Every $150 payment builds equity in property you'll own rather than enriching a landlord who'll probably raise your rent again next year. After 39 months of payments totaling less than most people pay in 8 months of rent, you own the land outright with the deed in your name. No more lease renewals. No more landlord inspections. No more wondering if you'll be able to afford next year's rent increase. No more moving from rental to rental, wasting money on deposits and moving costs. This is your exit strategy from the rental cycle that keeps working people trapped - affordable monthly payments that actually lead somewhere rather than disappearing into someone else's investment.
JUST $349 TO Start Your Ownership Journey: The traditional path to property ownership seems impossible when you're facing $20,000 down payments and perfect credit requirements, but this property offers a realistic alternative. For just $349 total to get started - less than most security deposits on rental apartments - you can become a landowner this month. That $349 includes the documentation fee and your first payment toward property you'll own. No massive savings required. No perfect credit needed. No complicated bank approvals or invasive financial scrutiny. No waiting years while saving for conventional down payments that keep increasing faster than you can save. Just honest, straightforward terms designed for real working people who deserve ownership opportunities even if they don't have trust funds or perfect financial histories. This accessibility is what makes the American Dream achievable rather than just a cruel fantasy for those born without wealth.
YOUR Name ON The Deed - Real Ownership And Pride: There's something powerful about owning property that transcends mere financial calculations. It's the pride of saying "this is mine" rather than "this is where I'm allowed to live until the landlord decides otherwise." It's the security of knowing you can't be evicted because the owner decided to sell or renovate. It's the freedom to improve your property, plant trees, build structures, and create something lasting rather than investing in improvements to someone else's property. It's the dignity of ownership in a society where property ownership remains the foundation of financial security and social standing. It's showing your children or younger family members that ownership is possible, that breaking free from renting is achievable, that building equity and security doesn't require wealth or privilege - just determination and smart choices. Your name on this deed represents a fundamental life change from renter to owner, from building someone else's wealth to building your own.
LARGE Lot With Room TO Grow: At 0.44 acres, this property provides substantial space that gives you options and flexibility as your life evolves. Start with an RV or mobile home while you're establishing yourself and saving money. Build a small, affordable starter home when you're ready for conventional construction. Add outbuildings, workshops, or storage structures as needs develop. Create gardens or outdoor spaces that reduce your living costs through food production. Park vehicles, boats, or equipment without landlord restrictions or apartment complex rules. Establish landscaping and privacy features on your timeline and budget. The nearly half-acre size means you have genuine breathing room and options rather than being constrained to tiny lots that limit your possibilities. As your financial situation improves over the years, this property grows with you rather than constraining you.
UTILITIES Ready Including Fiber Internet: This property comes equipped with modern infrastructure that makes ownership practical and livable from day one. Power is available for immediate connection when you're ready to build or bring in housing. Municipal water eliminates well-drilling costs and water quality concerns. Fiber optic internet provides high-speed connectivity essential for modern life, remote work opportunities, online education, or entertainment. Good cell phone reception ensures reliable communication. The paved road provides year-round access without mud or maintenance issues. These ready utilities mean you're not buying raw land requiring massive additional investment - you're buying buildable property ready for immediate use. For first-time landowners or anyone on tight budgets, having infrastructure already in place is the difference between property you can actually use versus land that sits vacant because you can't afford the tens of thousands needed for utility extensions.
WALKING Distance TO Recreation And Amenities: Pioneer Park's location provides exceptional everyday convenience that makes ownership practical and enjoyable rather than isolated. A small park sits around the corner for outdoor relaxation and green space. Pioneer Lake Beach is less than one mile away for swimming and lakefront activities. The public pool and library are both under one mile for summer recreation and community resources. The golf course and Veteran's Park sit one mile away for additional recreation options. Downtown stores and restaurants are just 1.5 miles away for essential shopping and dining. This walkability and proximity mean you can own property and build a home without feeling isolated or cut off from services. You're choosing independence and ownership while maintaining the convenience that makes daily life manageable. For young adults without reliable vehicles or retirees on fixed incomes, this accessibility is invaluable.
BUILD Future Security While Maintaining Flexibility: The beauty of land ownership is that it provides a foundation for your future while allowing you flexibility in how and when you develop it. Buy the land now while it's affordable and available. Take your time deciding exactly what to build and when to build it. Live in an RV during construction up to 6 months to save on housing costs. Start small with a modest 1,000 square foot home meeting minimum requirements affordably. Build equity in the land while you're still renting elsewhere, knowing you have an exit strategy. Plan your retirement knowing you own property where housing costs will be minimal. Leave something tangible to children rather than a lifetime of rent receipts. The land is patient - it waits for you to be ready financially and emotionally while appreciating in value over time.
About Horseshoe Bend:
Horseshoe Bend isn't just another small town - it's a welcoming community where affordable living, practical amenities, and genuine opportunity create the foundation for building the stable, secure life you deserve.
AFFORDABLE Living That Changes Everything: Arkansas's low cost of living is what makes property ownership and comfortable living achievable on working-class incomes. Annual property taxes on this lot are just $53.72 - less than $4.50 monthly and less than you probably spend on coffee in a week. Overall cost of living is dramatically below national averages with affordable groceries, reasonable utilities, inexpensive dining, and manageable expenses across the board. Building costs are lower than coastal or metropolitan markets. This affordability isn't just nice - it's transformative, meaning your paycheck suddenly covers everything comfortably rather than leaving you stressed and short each month. Many people find they can live well in Horseshoe Bend on incomes that left them struggling paycheck-to-paycheck in cities or expensive suburbs. The financial breathing room allows you to actually save money, reduce debt, and build security rather than constantly fighting to stay afloat.
ESCAPE Urban Stress Without Sacrificing Convenience: For anyone tired of traffic, noise, crime, crowds, and the constant pressure of city living, Horseshoe Bend offers genuine escape without complete isolation. No traffic jams stealing hours of your life daily. No constant noise pollution and sirens disrupting peace. No feeling unsafe in your own neighborhood or parking lot. No crowds everywhere you go making simple errands exhausting. No pressure to keep up appearances or compete with wealthy neighbors. Yet you're not isolated in the wilderness - essential services, recreation, and community are all nearby. This balance means you escape what's making you miserable while maintaining what makes life practical and enjoyable. Many residents report that moving to Horseshoe Bend reduced their stress levels dramatically, improved their health, and gave them back time and energy that urban living consumed.
BUILD Equity Instead OF Enriching Landlords: Consider the financial reality of renting versus owning. If you pay $800 monthly rent for just 5 years, that's $48,000 gone forever with zero to show for it except temporary housing. If you pay $150 monthly on this land for 39 months, that's $5,850 total that results in owning property worth far more and constantly appreciating. Even if you continue renting elsewhere while paying for this land, you're simultaneously building equity and creating your exit strategy from the rental trap. Once you own the land, building a modest home costs far less than years of continued rent payments. This is how working people build wealth and security - not through high incomes but through smart choices that build equity rather than throwing money away on rent that builds nothing.
COMPREHENSIVE Lake Recreation For Free: Living in Horseshoe Bend means exceptional recreation access that costs nothing, making active lifestyles affordable for everyone. Three beautiful lakes provide fishing, swimming, kayaking, and water activities free to all. Public beaches offer summer fun without resort fees or membership costs. Parks and trails encourage outdoor activity and healthy living. The public pool provides affordable swimming and community connection. The golf course offers reasonable rates. This recreation abundance means you don't need expensive gym memberships, costly entertainment subscriptions, or pricey hobbies to enjoy life and stay active. The outdoors becomes your playground, your gym, and your entertainment - all essentially free once you live here.
FRIENDLY Community And Genuine Acceptance: Horseshoe Bend welcomes newcomers regardless of background, income level, or where you came from. This is a community where working people, retirees on fixed incomes, young families, and folks starting over after setbacks all coexist comfortably. Where people wave and mean it. Where neighbors help each other. Where you're judged by your character and how you treat others rather than your income or possessions. Where community events bring everyone together without economic barriers. For anyone who's felt judged, excluded, or inadequate in more affluent areas, Horseshoe Bend's down-to-earth acceptance provides genuine relief and belonging.
SAFETY And Stability: Horseshoe Bend offers genuine safety that allows you to relax and actually enjoy life. Low crime rates mean real security rather than constant vigilance. Safe streets where children can play and people can walk without fear. Stable housing costs that don't skyrocket annually like rent. A tight-knit community where people look out for each other. This stability and safety are what allow you to finally catch your breath, reduce stress, and focus on building your life rather than just surviving.
OPPORTUNITY TO Start Fresh: For anyone feeling stuck, overwhelmed, or trapped by current circumstances, this property represents genuine opportunity. Opportunity to break the rental cycle and build equity. Opportunity to reduce expenses and stress through affordable living. Opportunity to own something tangible and valuable. Opportunity to create stability and security on your terms. Opportunity to show yourself and others that you can achieve ownership and success despite challenges. This isn't just land - it's your chance to write a different story for your life, one where you're in control rather than at the mercy of landlords, employers, or circumstances.
Endless Possibilities Await:
Whether you're making your first property purchase and beginning wealth building, escaping rent payments that go nowhere and build nothing, planning your retirement on land you'll own debt-free, creating stability for yourself or your family, establishing a foundation for future home construction, investing in your security while costs are still affordable, or simply proving to yourself that ownership is achievable, this 0.44-Acre Pioneer Park lot delivers accessibility, affordability, and real opportunity.
Picture yourself making that final payment in just over three years and receiving the deed with Your name on it. Imagine the pride of calling something yours rather than temporarily borrowing someone else's property. Envision building a small home on land you own rather than paying rent forever. Consider the financial freedom of owning property debt-free while your former rent keeps climbing. Think about the security of knowing you can't be evicted or displaced. Visualize showing your children or younger family members that ownership is possible, that you broke the cycle. This property offers you the affordable entry point to ownership - you provide the determination and commitment to follow through.
Ready To Take The Next Step?
Don't let this opportunity slip away. Property at this price point with this level of accessibility rarely stays available long. At just over $4,973 cash or only $150 monthly with just $349 down, this Pioneer Park property represents your genuine pathway from renter to owner.
Contact us today for:
• Simple next steps to secure this property with just $349 down
• Detailed information about the payment process and timeline
• Answers to questions about building, utilities, or future development
• Information about visiting the property and Horseshoe Bend
• Guidance about RV living during construction
• Connections to the Pioneer Park community
• Assistance with the straightforward purchasing process
• Support and encouragement for first-time landowners
Your ownership dream is closer than you think. With affordable financing requiring no credit checks, fiber internet access, walking distance to recreation and amenities, and monthly payments less than rent, this Horseshoe Bend property delivers your exit strategy from the rental trap. Stop making landlords wealthy while building nothing for yourself. Stop watching others achieve ownership while you remain stuck renting. Stop letting another year pass without taking control of your future. 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 Pioneer Park lot yours today - your journey from renter to owner starts with one decision and $349.
Land Maps & Attachments
Directions to Land
If you are coming from Little Rock, head north on US-167 N for about 113 miles.
Take a slight left onto AR-56 W, then turn right onto US-62 E.
After about 3 miles, turn left onto Sims Ave, and finally turn right onto W Cardinal Dr.
The destination, 1106 W Cardinal Dr, Horseshoe Bend, AR 72512, will be on your left.
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