Owner financed land
Ten years from now,you will thank yourself for this one.
0.5 Acre in Luna County, NM. From $50 a month.
Street-level photo: County Rd BO49, Deming, NM, Google Street View, Feb 2026. It shows the area, not the parcel. Place names and road miles on the around map: OpenStreetMap. Other images are area images and maps, not photos of the parcel. Imagery dates are unknown.
Request informationAbout this land
You have been scrolling for weeks. Another listing, another blurry photo, another seller who will not say what is wrong. So you read the fine print, and most nights you close the laptop and wait.
You could have started sooner. You know that. But today is still a day you can start, with one small parcel and a plan you can read.
Picture a Sunday night, ten years on. The folder is on the shelf, and one of the deeds has your name on it. A Luna County parcel number. Half an acre. You remember the evening you almost closed the laptop. You did not.
What you can do
- ✓Build: allowed, per Luna County
- ✓Camp with an RV: up to 30 days without utilities, up to 180 days with utilities connected
- ✓Farm: allowed, per Luna County
- ✓Hold it for the long term as open New Mexico land, for as long as you want
- ✓Leave something lasting: land you can pass on to your family
- ✓Lock in your own land now with a small down payment and a low monthly cost
- ✓A good fit if you want to hold first and decide later what to build
The land
- Location
- Luna County, New Mexico
- Subdivision
- Sunshine Valley Ranchettes, Unit 14, Block 1, Tract 7
- APN
- 3035154447019
- Size
- 0.501 acre, 21,844 sq ft
- Shape
- A rectangle about 115 by 189 feet
- Terrain
- Flat, about 1.3 feet of elevation change
- Flood zone
- X, minimal flood risk
- Access
- A dirt road close to the lot, reached across a platted strip
- HOA
- None, per Luna County
- GPS
- 32.03875, -107.48255 (center of Tracts 6 and 7 together)
Price and terms
| Property size | 0.501 acre |
|---|---|
| APN | 3035154447019 |
| Cash price | $1,249 |
| Late fee | None |
| Closing and recording fee | $50, paid by the buyer |
| Money-back guarantee | 30 days, full refund of everything paid |
Financing Options
| Option A | Option B | Option C | |
|---|---|---|---|
| Term | 24 months | 40 months | 60 months |
| Down payment | $55 | $55 | $55 |
| Monthly payment | $67 | $54 | $50 |
The monthly payment is never the only price. Total on the payment plan, including interest: Option A $1,663, Option B $2,215, Option C $3,055. Cash price: $1,249.
Questions are welcome, and so are the hard ones.
Ask about access. Ask about the rules. Ask for the documents. We will answer with what we can show.
Request information