Texas Land Frequently Asked Questions

Key factors include access, utilities, water availability, terrain, soil, tax valuation, zoning rules, and long-term usability.

Yes. Many Texas properties do not have utilities in place. Buyers often add electricity, wells, septic systems, or off-grid solutions later.

Legal access is determined through deeded frontage, recorded easements, or county roads. TXLB verifies access during listing and due diligence.

Hidden costs may include surveys, fencing, clearing, utilities, wells, septic systems, road access, and property taxes.

Closings typically take 2–4 weeks. Owner-financed transactions often close faster than bank-financed deals.

While not always required, a survey is strongly recommended to confirm boundaries, acreage, and access.

Not always. Buyers should verify county regulations, zoning, floodplain status, and access to utilities before building.

Texas has minimal zoning in rural areas, but counties may regulate subdivision rules, septic systems, and building requirements.

Popular counties vary by goal, but Hill Country and West Texas counties are commonly sought for hunting, ranching, and investment land.

Yes. U.S. and international buyers can purchase land in Texas, though financing and ownership structures may vary.

Raw land has no utilities or structures. Improved land may include electricity, water, fencing, roads, or buildings.

Minimum acreage varies by county and land use. Requirements must be met and maintained annually.

Buying land in Texas involves several steps, including researching properties, verifying zoning and access, and conducting due diligence. Many buyers consider making an all-cash offer when buying land, as this can speed up the transaction and make the offer more attractive to sellers. The process of buying land with cash in Texas typically involves negotiating the price, signing a purchase agreement, completing a title search, and closing the deal. Cash offers often reduce complications and can help buyers secure the property more quickly.

Yes. Hunting is allowed on private land, subject to state regulations and seasons.

Yes. State hunting laws still apply, including seasons, bag limits, and licensing.

Often yes, depending on zoning, acreage, and county regulations.

Common species include whitetail deer, axis, fallow deer, turkey, hogs, quail, dove, and other exotics.

Hunters must hold valid licenses. Some species or management programs may require additional permits.

It depends on the specific property. Buyers should confirm any deed restrictions prior to purchase. Where permitted, hunting leases are common and can provide supplemental income.

Not always. Some exotic species roam freely without high fencing, depending on the area.

Wildlife valuations allow landowners to maintain ag valuation by managing land for wildlife instead of livestock.

Owner financing allows buyers to purchase land directly from the seller without using a traditional bank. At Texas Land Brokerage, buyers make a down payment, sign a promissory note, and make monthly payments over an agreed term—often up to 30 years. No credit checks or bank approvals are required.

There is no credit check or qualifying needed to be approved for your purchase.

For many buyers, yes. Banks often require large down payments, strong credit, and shorter terms for land loans. Owner financing offers flexibility, faster closings, and easier qualification—especially for raw land, hunting land, and rural properties.

Yes. We work with any lender of your choice.

Yes we have reduced pricing as well as interest rate reductions for Veterans. We also regularly work with The Texas Veterans Land Board utilizing their financing options. More information on The Texas Veterans Land Board can be found here, https://vlb.texas.gov/loans/index.html

Interest rates vary based on market conditions, down payment, and property type. Owner-financed rates are typically higher than residential mortgages but are often more flexible and accessible than bank land loans.

Typically, transactions can be concluded within a few weeks, and in some cases, even sooner. Call one of our agents today to learn more!

No. There are no closing costs associated with our owner financing, unlike a traditional bank loan.

Down payments can be made via check, credit or debit card, cash, or wire transfer.

Buyers will receive monthly statements via mail, text, or email. Payments can be made through a variety of ways, including your online portal, by mail, ACH, or by utilizing our PayNearMe option. PayNearMe allows our customers to scan a QR code on their monthly statement and pay using a wide variety of payment types or by cash at retailers nationwide.

Payment types accepted:

Cash accepted 24/7 at over 60,000 nationwide retailers listed below:

Access your client portal page here.

Client Payment Portal https://coveyfin.com/online-access

There is a 10 day grace period for all payments due. After that, late fees will apply.

No, we don’t require credit checks—everyone qualifies.

Although most of our properties come with an agricultural exemption, there are still taxes applicable to each property. These taxes will be incorporated into your monthly payments and outlined in an annual account statement provided to you.

Yes. There are no prepayment penalties, so you can pay off your loan whenever you’re ready.

Yes. Many buyers use owner financing to acquire land quickly, then refinance later once equity is built or improvements are added.

Most properties require just 5% down to get started.

Yes. Owner financing is commonly used for raw land, ranches, hunting properties, and recreational acreage—especially where banks may not lend.

Most owner-financed agreements allow early payoff or resale, but terms vary by contract. Buyers should review their promissory note and deed restrictions before selling.

We work with our buyers to keep them on track—contact us if you anticipate an issue.

Default terms are outlined in the purchase agreement. Missed payments may result in late fees, and unresolved defaults can lead to forfeiture or foreclosure depending on the contract. Communication is key if issues arise.

Yes. Many hunting and recreational properties offered by TXLB qualify for owner financing.

Typically no. Owner-financed land purchases do not usually report to credit bureaus unless specified in the contract.

Yes. Many investors use owner financing to acquire land for long-term appreciation, hunting leases, or resale.

Yes. TXLB regularly works with out-of-state buyers, and owner financing makes purchasing Texas land simple without local banking requirements.

Selling raw land involves pricing correctly, marketing access and usability, and understanding buyer needs. TXLB handles the full process.

No. Many buyers actively seek raw land. Proper pricing and marketing are key.

Access, utilities, pricing, financing options, and clear documentation all affect marketability.

Not always, but a current survey can speed up the sale and reduce buyer hesitation.

Yes, though terms of the note must be disclosed and reviewed.

Pricing is based on location, access, utilities, market demand, and comparable sales.

Not necessarily. Many buyers prefer untouched land, though minor improvements can increase appeal.

Yes. Heirship and title issues may need to be resolved before closing.

The timeline can vary depending on location, market demand, and property condition. Some land sells in a few weeks, while other parcels may take several months.

While not required, a real estate agent can help market your property, negotiate offers, and handle paperwork. However, some sellers choose to sell land by owner to save on commissions.

We work with buyers looking for all types of land, including off-grid properties, raw land, and landlocked acreage.

Yes, we can help navigate the selling process even if there’s an existing loan or owner-financed agreement.

You’ll need the deed, a recent survey (if available), tax records, and any relevant disclosures. Having these ready can speed up the closing process.

Owner financing can help you attract more buyers and higher sale prices, and we can guide you through the process.

Yes, you may owe capital gains tax if you sell your land for more than you paid. Consult a tax professional for advice on your specific situation.

Land value depends on location, size, access, zoning, and market trends. Comparable sales in your area are a good indicator of your property’s value.

Texas has no state income tax, but federal capital gains taxes may apply.

Taxes are based on market value unless an ag or wildlife valuation is in place.

Rollback tax may apply if land is removed from ag or wildlife valuation.

Both reduce property taxes. Ag valuation is based on agricultural use, while wildlife valuation focuses on habitat management.

Yes, especially if ag or wildlife valuation is removed or land use changes.

Common issues include access rights, easements, boundary disputes, and title defects.

Title insurance protects against ownership disputes and is strongly recommended.

Yes. Severed or retained mineral rights can impact land use and value.

Boundary disputes are typically resolved through surveys, negotiation, or legal action.

TXLB specializes exclusively in Texas land, with deep expertise in rural properties, owner financing, and land sales.

Yes. TXLB regularly works with clients across the country.

We focus on land-specific marketing, financing options, and educating buyers—not just listing properties.

TXLB specializes in rural Texas, including Hill Country, West Texas, and hunting and ranch properties statewide.

Yes. We often assist buyers with guidance on clearing, access, and utility improvements.

Contact our team by phone, email, or message. We’ll walk you through the next steps.

Our goal is to provide the best customer service throughout the entire buying process, and even after. Our clients have access to multilingual, customer service agents available to assist with questions related to your loan and payments. Phone: (210) 610-6250 Toll Free: (855) 276-6300 Mon-Fri 8am-6pm CST

Availability depends on proximity to power lines and the local utility provider. TXLB can help verify options.

Costs vary by region and depth but often range from several thousand to tens of thousands of dollars.

Land without frontage may still be accessible through recorded easements. Access should always be verified before purchase.

Yes, if access rights allow. Buyers should confirm easements and county rules before constructing roads.

Most rural land uses on-site septic systems (OSSF). System type depends on soil conditions and county regulations.

In many counties, yes. Off-grid living may include solar power, water wells, and septic systems.

Access roads, clearing, water wells, fencing, and electricity typically add the most value and usability.

No. Fencing is optional and often added after purchase depending on intended use.