Owner financed · no bank required
Land to build a home, barndominium or cabin on in Duval County
55 owner-financed tracts on ranches whose deed restrictions allow a site-built home. Each ranch card says what else is allowed: manufactured homes, RVs for weekends, and any minimum size. As little as 5% down, no bank.
- open tracts
- 55
- starting price
- $54,795
- starting payment
- $353/mo
- Open tracts
- 55 · 7 pending
- From
- $54,795
- Est. monthly
- from $353/mo
- Ranches
- 5
Where they are
Highlighted tracts are the ones that match this page.
By the numbers
Most tracts here are between $50,000 and $100,000.
- 5% down · $4,450 down · $799/mo at 10.9%
- 10% down · $8,900 down · $697/mo at 9.9%
- 15% down · $13,350 down · $636/mo at 9.5%
- 20% down · $17,800 down · $573/mo at 9%
What each ranch allows
From the deed restrictions. The restrictions page has the exact wording, and it governs.
- Tortuga Ranch
site-built home: yes · manufactured home: yes · RV for weekends: yes · minimum 1,200 sq ft
Read the restrictions - Sendero Creek Ranch
site-built home: yes · manufactured home: yes · RV for weekends: yes · minimum 1,200 sq ft
Read the restrictions - 44 Ranch South
site-built home: yes · manufactured home: yes · RV for weekends: yes · minimum 1,200 sq ft
Read the restrictions - 44 Ranch North
site-built home: yes · manufactured home: yes · RV for weekends: yes · minimum 1,200 sq ft
Read the restrictions - Soledad Creek Ranch
site-built home: yes · manufactured home: yes · RV for weekends: yes · minimum 1,200 sq ft
Read the restrictions
about $353/mo est.
about $363/mo est.
about $364/mo est.
about $364/mo est.
about $365/mo est.
about $377/mo est.
about $383/mo est.
about $383/mo est.
about $383/mo est.
about $395/mo est.
about $397/mo est.
about $399/mo est.
about $400/mo est.
about $401/mo est.
about $412/mo est.
about $426/mo est.
about $434/mo est.
about $453/mo est.
about $469/mo est.
about $471/mo est.
about $473/mo est.
about $477/mo est.
about $479/mo est.
about $488/mo est.
about $507/mo est.
about $507/mo est.
about $512/mo est.
about $513/mo est.
about $524/mo est.
about $561/mo est.
about $573/mo est.
about $578/mo est.
about $586/mo est.
about $595/mo est.
about $603/mo est.
about $606/mo est.
about $612/mo est.
about $613/mo est.
about $614/mo est.
about $622/mo est.
about $690/mo est.
about $691/mo est.
about $715/mo est.
about $756/mo est.
14 more tracts in this bracket. Tap one for photos and the map.
| Tract | Ranch | Acres | Price | Est. payment |
|---|---|---|---|---|
| Lot 179 | Tortuga Ranch | 25.2 | $125,974 | about $811/mo est. |
| Lot 229 | Tortuga Ranch | 27.2 | $135,814 | about $874/mo est. |
| Lot 240 | Tortuga Ranch | 27.6 | $138,012 | about $888/mo est. |
| Lot 60 | 44 Ranch North | 23.8 | $141,670 | about $912/mo est. |
| Lot 70 | 44 Ranch North | 26.5 | $157,913 | about $1,016/mo est. |
| Lot 6 | 44 Ranch North | 25.9 | $168,220 | about $1,083/mo est. |
| Lot 63 | 44 Ranch North | 30.4 | $197,600 | about $1,272/mo est. |
| Lot 71 | 44 Ranch North | 33.4 | $198,492 | about $1,278/mo est. |
| Lot 48 | 44 Ranch South | 30 | $208,361 | about $1,223/mo est. |
| Lot 239 | Tortuga Ranch | 58 | $289,460 | about $1,699/mo est. |
| Lot 230 | Tortuga Ranch | 73.5 | $293,880 | about $1,725/mo est. |
| Lot 231 | Tortuga Ranch | 83.7 | $334,640 | about $1,964/mo est. |
| Lot 232 | Tortuga Ranch | 90 | $449,650 | about $2,639/mo est. |
| Lot 134 | Tortuga Ranch | 46.3 | $695,995 | about $4,086/mo est. |
The Ranch Enterprises family
Selling Texas land for over 25 years
Guadalupe Ranch Co. is part of the Ranch Enterprises family — surveyed tracts, deeded access, and owner financing serviced in-house. We're the seller and the lender, not a broker handing you off to a bank.
- 25+ yrs
- Selling Texas land
- 320,000+
- Acres sold · TX, CO & NM
- 5,000+
- Tracts financed in-house
- 20+
- Texas counties
Frequently asked
- Do you owner-finance every tract?
- Yes. Guadalupe Ranch Co. finances every tract in-house with as little as 5% down and no bank. Pick a tract, choose your down payment, and the estimator on its page shows the payment before you call.
- Is the land surveyed with deeded access?
- Every tract is surveyed and sold with deeded access on graded ranch roads, so the acreage on the page is the acreage on the deed.
- How are the monthly estimates figured?
- Estimates use each tract's current terms or our table rate at 20% down over 30 years; taxes extra; final terms set at contract.
- Can I put a barndominium on it?
- On most ranches yes, as a site-built residence; some ask that metal be painted or the design pass a building board. The ranch's restrictions page has the exact wording and it governs.
- Can I live in an RV while I build?
- Ranches marked "RV for weekends: yes" allow temporary RV use with a permitted septic connection; "no" means the covenants bar RVs as a residence. Never assume from another ranch's rules.
Estimate your payment
Your rate follows your down payment — and improves on tracts over $200k. These are our actual tiers.
Estimated monthly
$353
Estimate only — excludes taxes, fees, and maintenance assessments. Actual financing terms are set at contract. Call (830)-307-7533 for current owner finance terms.
Get first shot at the next one
Tell us what you're after and a salesman will text you the tracts that fit, including the ones that list after today.