40 Acres with a Pond & Mountain Views in Saddle Creek Ranch

Forty acres of wide-open Arizona ranchland with a pond feature, dramatic mountain views, and hard-to-find privacy. Set in Saddle Creek Ranch near Congress, this parcel offers room to plan a custom desert estate while remaining part of an established rural community. The land is mostly open and usable, with maintained dirt-road access and multiple vantage points across the surrounding high desert. Its scale, scenery, and rural-residential setting make it a compelling fit for a buyer who wants acreage, privacy, and long-term value. The mountain backdrop and pond feature give the property visual character while the acreage leaves room between you and neighboring properties. Owner financing is available with $31,500 down and approximately $1,644 per month for 84 months at 11.9%. The cash price is $124,900. Property highlights: - 40 acres in Yavapai County - Pond feature and panoramic mountain views - R1L-10A rural-residential zoning - Space for a custom homesite and privacy - Survey and recorded community documents available for review A few things to note: The property is in deed-restricted Saddle Creek Ranch. Current records call for a site-built home of at least 1,800 square feet, a maximum of two stories, architectural committee approval, and HOA dues of approximately $312 per year. There is no municipal water or sewer, so a private well and septic system would be needed for development. Pond water level and seasonal availability are not guaranteed. Buildability is unverified; buyers should complete their own due diligence and confirm the current CC&Rs, roads, access, utilities, water availability, soils, septic feasibility, and permitting with the HOA and Yavapai County before purchasing. APN: 202-18-001M