Owner financed · no bank required
Land with a creek, pond or well
124 owner-financed tracts with a live or seasonal creek, a pond, a spring, a tank or a well noted on the listing. As little as 5% down, no bank.
- open tracts
- 124
- starting price
- $54,795
- starting payment
- $353/mo
- Open tracts
- 124 · 8 pending
- From
- $54,795
- Est. monthly
- from $353/mo
- Ranches
- 19
Where they are
Highlighted tracts are the ones that match this page.
By the numbers
Most tracts here are between $100,000 and $300,000.
- 5% down · $9,200 down · $1,652/mo at 10.9%
- 10% down · $18,401 down · $1,441/mo at 9.9%
- 15% down · $27,601 down · $1,315/mo at 9.5%
- 20% down · $36,801 down · $1,184/mo at 9%
about $353/mo est.
about $364/mo est.
about $364/mo est.
about $479/mo est.
about $499/mo est.
about $527/mo est.
about $527/mo est.
about $552/mo est.
about $578/mo est.
about $599/mo est.
about $608/mo est.
about $609/mo est.
about $636/mo est.
about $653/mo est.
about $666/mo est.
about $667/mo est.
about $685/mo est.
about $691/mo est.
about $719/mo est.
about $721/mo est.
about $738/mo est.
about $739/mo est.
about $742/mo est.
about $765/mo est.
about $766/mo est.
about $799/mo est.
about $801/mo est.
about $813/mo est.
about $817/mo est.
about $817/mo est.
about $841/mo est.
about $845/mo est.
about $874/mo est.
about $897/mo est.
about $899/mo est.
about $923/mo est.
about $926/mo est.
84 more tracts in this bracket. Tap one for photos and the map.
| Tract | Ranch | Acres | Price | Est. payment |
|---|---|---|---|---|
| Lot 6 | Lohn Hollow Ranch | 20.4 | $152,775 | about $983/mo est. |
| Lot 1 | Pumpville Ranch Subd | 162.7 | $154,421 | about $994/mo est. |
| Lot 4 | Alamo Ranch | 35.9 | $155,991 | about $1,004/mo est. |
| Lot 27Sale pending | Alamo Ranch | 36 | $156,470 | about $1,007/mo est. |
| Lot 21 | Alamo Ranch | 40.7 | $156,580 | about $1,008/mo est. |
| Lot 1 | Lohn Hollow Ranch | 21.3 | $160,050 | about $1,030/mo est. |
| Lot 48 | Alamo Ranch | 42.4 | $163,356 | about $1,052/mo est. |
| Lot 20 | Lohn Hollow Ranch | 20.5 | $163,600 | about $1,053/mo est. |
| Lot 34 | Alamo Ranch | 38 | $165,213 | about $1,063/mo est. |
| Lot 26 | Lohn Hollow Ranch | 16.5 | $165,400 | about $1,065/mo est. |
| Lot 13 | Darden Canyon | 51.1 | $168,531 | about $1,085/mo est. |
| Lot 76 | Lohn Hollow Ranch | 21.2 | $169,360 | about $1,090/mo est. |
| Lot 89Sale pending | Alamo Ranch | 44.2 | $170,209 | about $1,096/mo est. |
| Lot 5 | Alamo Ranch | 39.4 | $171,216 | about $1,102/mo est. |
| Lot 25 | Lohn Hollow Ranch | 17.6 | $175,900 | about $1,132/mo est. |
| Lot 42 PT | Brandon Ranch | 36 | $180,020 | about $1,159/mo est. |
| Lot 31 | Alamo Ranch | 42.3 | $184,005 | about $1,184/mo est. |
| Lot 3-ESale pending | X-E Ranch | 10.8 | $188,300 | about $1,212/mo est. |
| Lot 32 | Alamo Ranch | 43.6 | $189,791 | about $1,222/mo est. |
| Lot 6 | Alamo Ranch | 43.9 | $191,096 | about $1,230/mo est. |
| Lot 45Sale pending | Alamo Ranch | 44 | $191,357 | about $1,232/mo est. |
| Lot 26 | Republic Ranch | 44.5 | $193,401 | about $1,245/mo est. |
| Lot 2 | Pumpville Ranch Subd | 205.7 | $195,190 | about $1,256/mo est. |
| Lot 20 | Alamo Ranch | 51.6 | $198,699 | about $1,279/mo est. |
| Lot 27 | Republic Ranch | 46.4 | $201,666 | about $1,184/mo est. |
| Lot 71 | Lohn Hollow Ranch | 20.4 | $203,700 | about $1,196/mo est. |
| Lot 28 | Lohn Hollow Ranch | 25.8 | $206,560 | about $1,213/mo est. |
| Lot 2 | Elm Springs | 18.2 | $208,840 | about $1,226/mo est. |
| Lot 10 | Lohn Hollow Ranch | 27.1 | $216,880 | about $1,273/mo est. |
| Lot 72 | Lohn Hollow Ranch | 27.4 | $219,200 | about $1,287/mo est. |
| Lot 4 | Republic Ranch | 51.5 | $223,894 | about $1,314/mo est. |
| Lot 17 | High Ten Ranch | 10 | $225,315 | about $1,323/mo est. |
| Lot 29 | Lohn Hollow Ranch | 22.6 | $225,700 | about $1,325/mo est. |
| Lot 15 | High Ten Ranch | 10.1 | $226,395 | about $1,329/mo est. |
| Lot 86 | Alamo Ranch | 63.4 | $227,150 | about $1,333/mo est. |
| Lot 5 | High Ten Ranch | 10.1 | $227,610 | about $1,336/mo est. |
| Lot 23 | Alamo Ranch | 61.8 | $237,738 | about $1,396/mo est. |
| Lot 4 | High Ten Ranch | 10.6 | $237,780 | about $1,396/mo est. |
| Lot 93 | Alamo Ranch | 62.2 | $239,547 | about $1,406/mo est. |
| Lot 1-B | X-E Ranch | 15 | $247,500 | about $1,453/mo est. |
| Lot 1-D | X-E Ranch | 15 | $247,500 | about $1,453/mo est. |
| Lot 50 | Alamo Ranch | 65.1 | $250,443 | about $1,470/mo est. |
| Lot 79 | Lohn Hollow Ranch | 33.6 | $251,625 | about $1,477/mo est. |
| Lot 3-DSale pending | X-E Ranch | 10 | $252,000 | about $1,479/mo est. |
| Lot 5 | Elm Springs | 20.8 | $254,900 | about $1,496/mo est. |
| Lot 15 | Alamo Ranch | 60.2 | $262,044 | about $1,538/mo est. |
| Lot 1Sale pending | Lone Star Ranch | 69.7 | $268,230 | about $1,575/mo est. |
| Lot 5-BSale pending | X-E Ranch | 16.7 | $274,933 | about $1,614/mo est. |
| Lot 5-C | X-E Ranch | 16.7 | $275,083 | about $1,615/mo est. |
| Lot 48 | Lohn Hollow Ranch | 28.4 | $283,500 | about $1,664/mo est. |
| Lot 18 | Lohn Hollow Ranch | 35.8 | $286,480 | about $1,682/mo est. |
| Lot 44 | Alamo Ranch | 67.3 | $292,712 | about $1,718/mo est. |
| Lot 40 | Alamo Ranch | 76.4 | $294,217 | about $1,727/mo est. |
| Lot 16 | Alamo Ranch | 63.4 | $307,296 | about $1,804/mo est. |
| Lot 25 | Alamo Ranch | 70.8 | $307,980 | about $1,808/mo est. |
| Lot 24 | Lohn Hollow Ranch | 32.6 | $325,900 | about $1,913/mo est. |
| Lot 84 | Alamo Ranch | 86.3 | $332,294 | about $1,951/mo est. |
| Lot 231 | Tortuga Ranch | 83.7 | $334,640 | about $1,964/mo est. |
| Lot 24 | High Ten Ranch | 15.1 | $339,975 | about $1,996/mo est. |
| Lot 81 | Alamo Ranch | 88.9 | $342,111 | about $2,008/mo est. |
| Lot 27 | Lohn Hollow Ranch | 34.6 | $345,800 | about $2,030/mo est. |
| Lot 79 | Alamo Ranch | 94.1 | $362,208 | about $2,126/mo est. |
| Lot 92 | Alamo Ranch | 96 | $369,446 | about $2,169/mo est. |
| Lot 16 | Lohn Hollow Ranch | 37 | $370,100 | about $2,173/mo est. |
| Lot 17 | Lohn Hollow Ranch | 52.2 | $391,425 | about $2,298/mo est. |
| Lot 80 | Lohn Hollow Ranch | 39.7 | $397,200 | about $2,332/mo est. |
| Lot 1 | Elm Springs | 35.5 | $420,095 | about $2,466/mo est. |
| Lot 77 | Alamo Ranch | 96.8 | $421,211 | about $2,473/mo est. |
| Lot 82 | Alamo Ranch | 109.7 | $422,345 | about $2,479/mo est. |
| Lot 22 | Pumpville Ranch Subd | 276 | $440,140 | about $2,584/mo est. |
| Lot 16 | Walnut Creek Ranch | 19.7 | $442,575 | about $2,598/mo est. |
| Lot 232 | Tortuga Ranch | 90 | $449,650 | about $2,639/mo est. |
| Lot 77 | Lohn Hollow Ranch | 46.2 | $461,800 | about $2,711/mo est. |
| Lot 14 | Walnut Creek Ranch | 24.3 | $545,625 | about $3,203/mo est. |
| Lot 6 | Walnut Creek Ranch | 25.8 | $593,860 | about $3,486/mo est. |
| Lot 13 | Walnut Creek Ranch | 26.8 | $601,875 | about $3,533/mo est. |
| Lot 15 | Walnut Creek Ranch | 31.4 | $707,175 | about $4,151/mo est. |
| Lot 13 HQ | Lone Star Ranch | 100.5 | $750,000 | about $4,403/mo est. |
| Lot 1-A | X-E Ranch | 13.9 | $799,950 | about $4,696/mo est. |
| Lot 14 | Lohn Hollow Ranch | 101.1 | $1,010,500 | about $5,932/mo est. |
| Lot 15 | Lohn Hollow Ranch | 103.4 | $1,033,700 | about $6,068/mo est. |
| Lot 19 | Lohn Hollow Ranch | 107.1 | $1,070,400 | about $6,283/mo est. |
| Lot 13 | Lohn Hollow Ranch | 123.3 | $1,250,000 | about $7,338/mo est. |
| Lot 19 | Axis Draw Ranch | 37.1 | — | — |
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.
- Does the creek run year-round?
- Only where the listing says "live creek." "Seasonal" and "draw" mean it runs after rain. The tract page and the ranch's rainfall chart tell you which.
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.