Own This Property for $66k Down + $3,655/month – No Bank, No Credit Check!
Texas Land for Sale near Hillsboro & Lake Whitney
Just 7 minutes from Hillsboro and the Interstate 35 east-west split (taking travellers to either Dallas or Fort Worth), and 25 minutes from Lake Whitney, you won’t find 20+ fenced acres in this area at this price again!
- Gated & Fenced
- Stock Tank (half-acre)
- Power & Water
- Easy Access – Public Road Frontage
- Very Buildable: Flat, Clear, No Floodplain
- Only 7 mins from Hillsboro/Walmart; 25 mins from Lake Whitney
- Lowest-Priced 20+ acre Property on the Market, BY FAR!
- Owner Finanncing Available: $66k down, $3,655/month – No Bank, No Credit Check
21.13-Acre Ranch Property in Hill County, Texas – Gated, Buildable & Priced to Move
Here’s your chance to own a classic Texas ranch property with the space, access, and freedom you’ve been looking for—21.13 acres in Hill County, just minutes from Hillsboro and everyday conveniences, yet close to some of the best recreation Central Texas has to offer. The land is gated and fenced, offering immediate privacy and security, and features a half-acre stock tank that adds both charm and function—perfect for livestock, wildlife, or peaceful evenings by the water. With power and water available along the road frontage and 341 feet of public road access, getting set up is straightforward and convenient. This property truly shines when it comes to buildability. The terrain is flat, clear, and completely outside the floodplain, making it ideal for a custom home, barndominium, or weekend retreat. Whether you’re planning to build now or hold for the future, this land gives you options without complications. Location is another major advantage. You’re just 7 minutes from Hillsboro and Walmart for daily needs, and only 25 minutes from Lake Whitney State Park, often called the Getaway Capital of Texas, where boating, fishing, hiking, and camping await. Best of all, this ranch is priced well below market, and owner financing is available, making it easier than ever to turn your land ownership goals into reality. If you’ve been waiting for a well-located, build-ready Texas ranch with water, access, and value—this is the one. Grab it today at an unbeatable Acretown price!
Call or text Scott directly at 314.639.9777 or email info@acretown.com if you have any questions or would like to make an offer.
Si habla español, por favor pida por Andy en nuestro equipo y él estará encantado de ayudarle.
We’ve posted a lot of info below – including critical instructions for visiting the property – so please keep reading!
Best Deal in the Market – Check Zillow or Redfin and You’ll Agree!
After opening this map, you may see even more information about the area by clicking on Map Legend, then Overlays.
- CASH PRICE: $299,000
- OWNER FINANCED DEAL: $66k down, $3,655/month – no bank, no credit check (see full details in FINANCING section below)
- ADDRESS: 186 CR 4241, Hillsboro, TX 76645
- SIZE: 21.13 acres
- GPS COORDINATES: 32.070285, -97.121609
- PARCEL #: 155098
- ABRIDGED LEGAL DESCRIPTION: S Wylie A 1002 Tr 4 A & 5 A 21.132 Ac
- FULL LEGAL DESCRIPTION: view here
- PLAT MAP/SURVEY: none (get County’s boundary/KML file here – opens in Google Earth)
- PIPELINE EASEMENT: view easement document + easement agreement + satellite map + survey map
- TITLE: General Warranty deed (clean – no back taxes, no liens)
- MINERAL RIGHTS: reserved by original developer (view 1981 lease here)
- DIMENSIONS (approximate): starting at NW corner, 341′ NE (along road) x 1350′ SE x 1072′ SW x 1363′ N to POB
- FLOODPLAIN: none
- WETLANDS: stock tank (approximately 0.48 acres)
- ELEVATION: 668 feet
- TERRAIN: generally flat
- CONDITION: clear, gated, fenced, stock tank
- ACCESS: 341 feet of direct frontage on CR 4241, a public gravel road
- POWER: available along road frontage via Oncor (888-313-6862, https://www.oncor.com/content/oncorwww/us/en/home.html)
- WATER: available along road frontage
- WASTEWATER: septic system would need to be installed
- The built-in savings you receive on all Acretown properties frees up extra money to install a variety of conventional and more modern, non-conventional septic systems, like mound systems, pressurized dosing, plastic chamber leach fields, aerobic treatment, etc. (which have become popular solutions in rare cases of non-satisfactory perc tests).
- TAXES: $27.65 in 2025 (current ag exemption)
- HOA: none
- DEED RESTRICTIONS:
- one single-family home per lot
- mobile homes OK if . . .
- double wide
- underpinned
- setbacks: 25′ from front, 10′ from side and rear
- no subdividing
- view full doc here
- ZONING: no zoning, NO RESTRICTIONS – do what you want with your land!
- homes and accompanying outbuildings such as garages, workshops, barns are all OK
- no size/height restriction on homes/structures on the lot
- no setback requirements
- no time limit to build – leave the lot as-is for as long as you want or need
- RVs, campers, mobile homes, cabins, tiny homes are all OK
- animals, livestock, etc OK
- no HOA or CC+R’s
- or, simply leave it as-is and enjoy being surrounded by nature!
- homes and accompanying outbuildings such as garages, workshops, barns are all OK
- SCHOOL DISTRICTS: Hillsboro (Elementary) – Hillsboro (Middle School) – Hillsboro (High School)
- NEAREST CITIES: Hillsboro < Fort Worth < Dallas
- NEAREST AIRPORTS: Hillsboro Municipal Airport (7 mins), Dallas-Fort Worth International (1 hr 14 mins)
- COUNTY GOVERNMENT:
- Assessor (254) 582-4000
- Treasurer (254) 582-4050
- Clerk/Recorder (254) 582-4030
- County GIS
OWNER FINANCING: We do offer owner financing under the following terms:
- Owner Financed Price = $329,900
- Down Payment = $66,000
- Monthly Payment = $3,655.30
- Term = 10 years (120 months)
- Interest Rate = 10.9%
- No Pre-Payoff Penalty!
- No Bank, No Credit Check!
We have a two-week waiting period after the posting of our original MLS listing before we open up the owner-financing option. Also, if you would like to make a larger down payment in exchange for a slightly lower interest rate and/or fewer payments, we can certainly accomodate that, so just let us know! Or you don’t have the full payment now but expect to have it within the next 90 days? We may be able to custom design an installment plan that works for you, so just reach out to us and ask. If you’d like to buy this property via owner financing, call or text Scott directly at 314.639.9777 or email him at info@acretown.com and we’ll get you set up!
OUTSIDE FINANCING: Your best deal for third-party financing will come from AgTexas Farm Credit or Rural 1st and their details are below:
AgTexas Farm Credit Services is one of the best local land lenders in the area for rural properties and they require as little as 20% down up to a 30-year term, with interest rates as low as 7%, with no pre-payoff penalties. Please contact them by phone at (254) 582-2471 or visit them in person at 1316 Corsicana Hwy, Hillsboro, TX 76645.
Rural 1st is America’s leading land lender for rural properties and they require as little as 15% down on a 10 or 15-year fixed land loan, with no PMI, and they prefer a credit score of 720 or better. Please contact Michael Wirth by phone or email at (502) 553-8152 or michael.wirth@rural1st.com. They do serve Texas.
This growing corridor between Waco and the DFW complex offers a strong mix of outdoor recreation and everyday conveniences, with Lake Whitney – the “Getaway Capital of Texas” – standing out as the regional favorite for boating, fishing, and relaxed shoreline camping less than a half-hour west. Cameron Park provides dramatic limestone cliffs, river access, and miles of well-maintained hiking and biking trails that make it one of the largest municipal parks in Texas. Closer to town, Wallace Park is a popular spot for picnics, walking paths, and community gatherings, adding an easy outdoor option for day-to-day enjoyment. Hillsboro is less than 10 mins down the road and serves up full shopping options including Walmart, along with a wide variety of restaurants. For big city amenities, Fort Worth is the closest major metro, about an hour away, providing access to major employers, cultural attractions, professional sports (like the Texas Rangers, Dallas Cowboys, or Dallas Mavericks), and international travel.
NEARBY – Wallace Park (6 mins), Roadside America Museum (8 mins), Hillsboro City Park (8 mins), Texas Heritage Museum (13 mins), Aquilla Lake (22 mins), Lake Whitney (25 mins), Cameron Park (39 mins), Bardwell Lake (39 mins), Navarro Mills Lake (44 mins), and more!
HILLSBORO (7 mins, Walmart & restaurants)
- RETAIL – Walmart, Bath & Body Works, AutoZone, Love’s, Dollar General, Dollar Tree, Brookshire’s, Buc-ee’s, and more.
- RESTAURANTS – McDonalds, Wendys, Whataburger, Golden Chick, Burger King, Sonic Drive-in, IHOP, Taco Bell, and more!
- MEDICAL SERVICES? Yes, Bloom Health and Wellness, PLLC, HealthNow Urgent Care, Waco Family Medicine, Mission Hillsboro Medical Clinic, and more.
- RECREATIONAL – Wallace Park, Roadside America Museum, Hillsboro City Park, Texas Heritage Museum, Aquilla Lake, Cameron Park, Bardwell Lake, Navarro Mills Lake, and more!
FORT WORTH (47 mins, nearest major city)
You can go view the property at your convenience – owner does not need to accompany. Please call/text us to let us know you’re heading out, so we can (1) confirm its availability (our land does sell fast), and (2) ensure we have our phone on us in case you need help or have any questions. We’d appreciate a couple hours notice if possible. In case you lose cell phone service, it may be helpful to print off as many helpful documents as you can before you head out there.
DRIVING DIRECTIONS: Click HERE to open the destination in Google Maps, and simply enter your starting point to get step-by-step directions.
- From this link, you can press “Directions” (on the left), enter your starting point, and Google Maps will provide you with step-by-step directions.
- You can also click “Send to Phone” if you’re viewing this on your computer
- And “Save” to download the directions so they’ll still work if you lose cell service.
If for some reason you’re having trouble with that link, you can navigate to GPS coordinates: 32.070285, -97.121609
WALKING THE PROPERTY LINES w/YOUR PHONE: We highly recommend downloading Google Earth to your phone if you don’t already have it. Then . . .
- Download the property boundary file (called a KML or KMZ file) here. You may be prompted to click “download” one more time, so do that . . . OR you may be prompted to immediately open the file with Google Earth and, in that case, do that and ignore the remaining steps. Otherwise . . .
- Open Google Earth
- Go to the main menu (the three horizontal lines at the top left of the screen), then Projects > Open > Import KML file > select the KML file you just downloaded (it should show up on that screen).
Now you should be able to see the property lines on the map, and the green dot represents where you’re currently standing. This is a very important tool to learn BEFORE you head out there. Please call us if you have any questions about it.
Call or text Scott directly at 314.639.9777 or email at info@acretown.com if you’d like to discuss an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you.
FOR SALE BY OWNER: We are investors, and are selling this lot For Sale By Owner. You do not need to submit your offer through a real estate agent, and in our experience we close transactions more quickly and easily by having our dedicated transaction coordinator work directly with the Title Company and Buyers. We will also both save money on commission/fees by cutting out agents as the middle men. However, if you feel strongly about working with a realtor, then you’re welcome to have them contact us on your behalf. We do offer 2.5% commission to buyer agents.
WHY ARE YOU SELLING IT SO CHEAP? We are often asked why we price our properties at below market value, and the answer is really simple: because we can, and that’s our core business model. We are investors who purchase properties at a large volume and deeply liquidated rates, and by passing this discount on to our buyers, we can sell land quickly . . . and more of it! In fact, our average property only lasts 2-3 weeks on the market (vs. industry average of about 6 months).
DISCLAIMER: We attempt to provide detailed, accurate and up-to-date information in our listings, in order to help our buyers to the best of our ability. However, it ultimately remains the buyer’s responsibility to perform their own due diligence and double check any details that are of significant importance to you including acreage, utilities, buildability, and approved/allowable useage for the property. We are happy to help however we can.