Cash Listings
Land Available for Cash Purchase
Simple, fast, no financing needed. Buy direct from the owner.
Buying more than one lot? Tick each one you want and check out together — one agreement, one payment.
Active Inventory
Show Low
1 available
Snowflake
5 available
Recently Sold
Overgaard
1 soldShow Low
1 sold
Snowflake
5 sold
What does buying land for cash actually involve?
You pay the listed cash price once, sign online, and the deed is recorded in your name. No monthly payment, no interest, no lender and no agent. Four steps:
1. Pick the parcel
Every card above shows the acreage, the APN, the zoning and the cash price. Tick the box on several lots to buy them as one bundle.
2. Sign
The purchase contract is signed by e-signature, usually about 15 minutes. Checkout holds the parcel for 15 minutes while you finish it.
3. Pay
Card, or bank wire. We split the card processing fee with you 50/50; a wire carries no fee and we hold the parcel 24 hours while your bank sends it.
4. Get the deed
We prepare and record a special warranty deed with Navajo County and send you the recorded copy. The whole closing can be done remotely.
Cash purchases, answered
What cash buyers ask before they sign
Straight answers on price, payment, deeds and what you can do with the land afterwards.
How much does paying cash save compared with owner financing?
The saving is the interest you never pay. Financed parcels run at 10% APR, so over a few years the financed total climbs well above the cash price shown on the card. Cash also ends the matter in one step: no monthly payment, no balance to track, and the deed recorded in your name straight away rather than at the end of a term.
How do I actually pay for a cash parcel?
By card or by bank wire, immediately after you sign. Card is the fastest and we split the processing fee with you 50/50, so you pay half of it. A wire has no processing fee, and we hold the parcel for 24 hours while your bank sends the funds. Always confirm the account details with us by phone before sending a wire — we will never email you changed wiring instructions.
What kind of deed do I get, and when?
A special warranty deed, recorded with Navajo County once your funds have cleared. It warrants the title against claims arising during our ownership, which is the normal instrument for a sale like this. We prepare it, we record it, and we send you the recorded copy when the county returns it — recording runs on the county's schedule, not ours.
How long does a cash purchase take?
Signing takes about 15 minutes online, and payment follows immediately by card or within a day by wire. After that the work is ours and the county's. There is no escrow account to open, no appraisal to wait on and no lawyer to book, which is why a cash parcel closes in a fraction of the time a financed house purchase takes.
Can I buy without seeing the property in person?
Yes — out-of-state buyers do it regularly, and the entire closing can be completed remotely. Every listing carries the acreage, the APN, the zoning and GPS coordinates you can drop straight into Google Maps for satellite and terrain views. The land is also open: drive out and walk it first if you can, and we will point you at the access road.
Are there closing costs, escrow fees or realtor commissions?
No. You are buying from the owner, so there is no agent commission, no escrow company and no closing-cost package bolted onto the price. The only cost beyond the purchase price is half the card processing fee, and that disappears entirely if you pay by wire. We handle preparing and recording the deed.
Who pays the property taxes after I buy?
You do, from the moment the deed is recorded in your name — Navajo County bills the owner of record each year. The amount depends on the parcel's assessed value and its tax area, so the only reliable figure is the one for that specific parcel. Look it up by APN on the Assessor's site before you buy rather than working from an average.
What can I build on the land once it is mine?
Most of our parcels sit in unincorporated Navajo County, where the common districts permit one single-family dwelling — site-built, manufactured, or an Arizona Department of Housing-approved factory-built home. A guest house or a home occupation needs an Administrative Permit. Minimum parcel sizes, setbacks and whether horses or farming are allowed change with the district, so confirm your plan by APN with county planning at 928-532-6040.
Can I buy several lots at once?
Yes. Tick the box on each card and the bar at the bottom carries up to 12 lots into one checkout at a combined price, so you sign once rather than repeating the process per parcel. Your picks are remembered as you move around the site. For a package larger than 12 lots, call us and we will put it together by hand.
What should you confirm with Navajo County before you buy?
Check three things on any rural parcel: what the zoning allows, what the taxes are, and how utilities and access actually reach the lot. We will tell you what we know about a parcel, but the county is the authority on all three.
Rural land here typically needs a septic system and either a well or hauled water, and electricity may require a utility extension from the nearest line. That distance is the cost that surprises people most, so get an estimate from the utility before you buy rather than after.
- Navajo County Assessor — look up any parcel by APN
- Navajo County Planning & Development Services · 1100 E. Thornton Rd., Show Low · 928-532-6040 · Monday–Thursday, 6:30 AM–5:00 PM
Keep reading
- Visiting remote Arizona land before you buy
- Navajo County zoning, explained for land buyers
- Property taxes on rural Arizona land
- Land for sale by town
- Owner-financed listings instead
Last updated: September 2026
What Buyers Say
Real people who bought Arizona land for cash
I had no idea that buying land with cash came with a real discount — I always assumed the price was the price. When Sam explained that paying upfront typically means a lower purchase price, it made the decision easy. We got our lot in Show Low at a number that felt almost too good, and the quality of land is exactly what we were hoping for. Couldn't be happier.
I was looking for something simple — own the land free and clear, no monthly obligation, no financing cost eating into the value. Sam had everything organized, the deed transfer was clean and fast, and I was done in less time than it takes to close on a house. Clean title, no liens, exactly what I needed.
We're retired and the last thing we wanted was another monthly payment. We paid cash and closed in under a week. Sam even helped us understand the deed process so we knew exactly what we were signing. It's nice to own something without owing anything on it.
I live in Texas and bought the lot without ever visiting in person. That sounds risky, but Sam walked me through satellite images, county maps, road access — everything I needed to feel confident. We did the whole thing by email and DocuSign. The deed showed up in the mail a few weeks later. I'm planning to drive out and see it in person this fall.
We sat down and ran the numbers — cash versus owner financing over a few years. Once you factor in the interest, the cash price ends up being a much better deal if you have the funds available. Sam was upfront about that himself, which we really appreciated. We paid cash and feel like we came out ahead.
Buying land in California is a joke. I wasn't ready to relocate yet but I wanted to lock in something before prices went up. Found this through White Mountain Land and bought a cash lot in Show Low. The price was so reasonable I kept expecting something to be wrong. Everything checked out — land is exactly as described and I'm planning to build there in the next few years.