Quick Facts
Price
$1,680,000
Acreage
42 acres
Down Payment
$84,000
as low as
Monthly Payment
$15,328/mo
20 year term
Bell County • Harker Heights, Texas
42 Acres in Harker Heights
Harker Heights, Bell County, Texas
Description
Expansive 42-acre raw land property in the Harker Heights area of Bell County. Available as a whole or in parts to suit your needs. Potential uses may include residential (subject to permits), agricultural, or holding as a long-term asset. Buyers must verify zoning, building requirements, and utility availability with Bell County before purchase. Sold as-is.
Important: This is raw, undeveloped land sold as-is. Building requires separate permits, inspections, and utility connections that buyers must arrange independently. Verify zoning, buildability, and all property details with county authorities before purchase.
Owner Financing Available
Estimated Monthly Payment
$0
for 1.00 acresInterest Rate
9.90%
Total Payment
$0
Total Interest
$0
Based on $40,000/acre. Contact us to discuss custom pricing for your desired acreage.
Payments based on longer amortization, with remaining balance due at balloon date
Financing Disclosure
* This calculator provides estimates only. Final terms will be provided in your financing agreement prior to signing. The interest rate shown does not include closing costs or fees. Your actual Annual Percentage Rate (APR) may be higher if additional charges apply. APR will be disclosed in your financing agreement. Property taxes and insurance are not included and are the buyer's responsibility.
Property Disclosures
Flood Zone
Zone XArea of minimal flood hazard
Zoning
Agricultural/Residential - Bell County zoning - verify with county
Permitted: Single-family residential, Agricultural, Recreational, Development
Access & Road
Public road (Paved)
Maintenance: County maintained public road
Verify access details with seller
Soil & Septic
Perc Test Not Done
Perc test not completed. Buyers planning septic installation should conduct soil testing to verify suitability before purchase.
Mineral Rights
Not IncludedMineral rights status to be verified at closing
Water Rights
No Surface WaterProperty is within the Bell County groundwater area
No surface water rights. Groundwater available via well - verify requirements with county.
Property Tax Status
Taxes CurrentLast verified: January 2026
Property taxes current. Seller warrants no outstanding tax liens at closing.
Utilities
Available nearby - buyer to verify connection costs (typically $1,000-$5,000+)
No public water - well required (typically $5,000-$15,000+ depending on depth)
No public sewer - septic system required (typically $10,000-$25,000+)
Propane only - no natural gas service
Buyers should independently verify all disclosures. See our Legal Disclosures page for more information.
Location
Harker Heights, Bell County, Texas
Features
Common Questions
What is owner financing?
Owner financing (also called seller financing) is when the property seller acts as the lender instead of a bank. You make monthly payments directly to us rather than a traditional mortgage company. This allows buyers who may not qualify for bank loans to purchase land.
Do I need a credit check for owner financing?
No. We do not run credit checks. Owner financing is available to everyone regardless of credit history. We believe everyone deserves the opportunity to own land.
What down payment is required?
Down payments are flexible and negotiable. We work with each buyer to find terms that fit their budget. Contact us to discuss options for the property you're interested in.
What are the interest rates?
Interest rates vary by property and terms. Our rates are competitive with traditional land loans. The exact rate will be discussed when we structure your financing agreement.
How long are the financing terms?
We offer flexible terms up to 20 years. Shorter terms mean lower total interest paid, while longer terms mean lower monthly payments. We'll help you find the right balance.
Are there prepayment penalties?
No. You can pay off your land early at any time without any penalties or extra fees. Many of our buyers pay extra when they can to pay off their land faster.
Interested in this property?
Why Owner Financing?
- No credit check required
- No bank approval needed
- Flexible payment terms
- No prepayment penalties