This 0.23-acre lot sits inside the established White Mountain Lakes subdivision in Show Low, Navajo County, Arizona — and it already has two of the hardest utility problems solved. Power runs right to the northeast corner of the property, and a private water company services the area with lines near the lot line. The lot itself is level, fronts a gravel road (Apache Drive), and sits at 6,083 feet elevation in one of Arizona's most desirable mountain communities. If you've been searching for an affordable foothold in the White Mountains, this is a straightforward property with real infrastructure in place.

$999 gets you started — that's 10% of the cash price. The rest is owner financing. No banks. No credit checks. No prepayment penalties. A 12-month plan can run as low as 1.9%. After 12 on-time payments you can defer one if you need to. Pay it off early anytime, no penalty. Call or text (313) 349-0434 to work out the right plan.

Annual property taxes are $98.18. You read that right. Cash buyers get the first year covered by us.

This lot is zoned RU-1, which allows one single-family residence. A modular home qualifies here as long as it's at least 350 square feet, sits on a permanent foundation, and meets construction material standards — minimum finished home size under county rules is 600 square feet. Standard stick-built new construction is fully permitted. While you're building, you can live on-site in an RV or trailer with a permit (seasonal permits run up to 120 days, or a temporary permit runs up to one year while construction is active).

Two things to know upfront: one, this lot is 0.23 acres in an RU-1 zone that technically requires a 1-acre minimum. White Mountain Lakes lots were platted before that zoning minimum was established, and many lots in this subdivision are in the same position. That said, you'll want to get written confirmation of grandfathered non-conforming status from Navajo County Planning & Zoning before closing. We've flagged this in our own due diligence — it's a known condition of this neighborhood, not a hidden surprise, and it's a straightforward county confirmation call. Second, The seller confirmed the lot did not pass a perc test, which means a conventional septic system isn't feasible here. The planned approach would be a vault or holding tank for sewage. This is a real cost and logistical consideration — we're being upfront about it.

For the water side, the private water company (White Mountain Lakes Community) services this subdivision; connection fees and current availability should be confirmed directly with them at wmlcrd.org.

We close through a title company with title insurance. You get a warranty deed recorded in your name, not a contract for deed. We cover escrow, closing fees, and the insurance policy. Title is free and clear. Cash closings run about 2 weeks. To lock the parcel in your name we need both a deposit and a signed purchase agreement, deposit alone doesn't reserve it.

If there's something you want to know about this lot before you commit, just call or text us anytime at (313) 349-0434.