1.13 Acres, 4 Connected Lots, Horseshoe Bend · Lots 29–32
Over an acre in one stretch: 4 connected lots, $296 to start.
Lots 29 to 32, 1.13 acres, each lot independently buildable.
Izard County, Arkansas
$296 today · then $420/mo × 48, 0% interest
$196 down + $100 document fee today. Or pay $7,680 cash. No bank, no credit check.
Card payments include a 1.9% payment processing fee: about $428/mo, or about $7,826 cash. None on the $196 down payment. Full terms, guarantee and contract below.
Not sure this is the one? See if another lot fits you better
Almog Gallewski
Owner, YAI LLC. You talk directly to the owner.
Buying land usually starts with a bank.
Save the full price first. Or apply, wait, and hope the credit check goes your way.
These lots work differently.
No bank. No credit check. 0% interest.
$296 today, then $420 a month for 48 months.
You finance it directly with us, in plain numbers, so you can decide.
I buy every parcel with my own money, walk it through the county records before listing it, and finance it directly to you. No brokers, no call centers. When you email, I answer.
Almog
Real imagery of these specific lots: satellite/aerial photos with the county-mapped boundary. Sources: ESRI World Imagery / USDA NAIP + Arkansas GIS parcel geometry.
Exactly where it is
Legal description
Lots 29–32, Spring Addition, Horseshoe Bend Estates (APNs 800-11406-000, 800-11407-000, 800-11408-000, 800-11409-000)
- Quiet southwest side of Horseshoe Bend, about 7 minutes from downtown
- About 13 minutes to Crown Lake (5.9 mi)
- About 26 minutes to Walmart (Ash Flat)
- No HOA
- Paved road access (Spring Addition subdivision)
Drive times verified for this specific parcel on Google Maps.
Check every claim yourself.
We have no reviews to show you yet. So here is everything you need to verify these lots before you pay anything.
Who owns them
Search APNs 800-11406-000, 800-11407-000, 800-11408-000, 800-11409-000 in the Izard County record on actDataScout (Arkansas, Izard County). The owner of record should read YAI LLC. The record can lag a recent closing, so if it does not, ask us for the recorded deed: book, page and date.
Public record
Legal description: Lots 29–32, Spring Addition, Horseshoe Bend Estates (APNs 800-11406-000, 800-11407-000, 800-11408-000, 800-11409-000). Open the exact spot in Google Maps
County-mapped boundaries
The photos above show these specific lots with the county-mapped boundary. Sources: ESRI World Imagery / USDA NAIP + Arkansas GIS parcel geometry.
Recorded build rules
Single-family residential, minimum home size 1,000 sq ft per structure (Spring Addition BOA), each of the four lots is independently buildable. Source: Recorded Bill of Assurance, Spring Addition. We read the recorded document for this subdivision before listing.
The real tax bill
$214.88 a year. Combined full county bill for all four lots ($53.72 each): ad valorem tax plus the flat Horseshoe Bend improvement-district fee (county records, pulled June 2026). How Arkansas land taxes work
The contract, before you pay
Read the full sample contract first. It is sent for e-signature via OpenSign. Read the sample contract (PDF)
Verified drive times
Every drive time on this page was checked for these specific lots on Google Maps. See them above
Questions buyers ask
Can you build here?
- Zoning: Single-family residential
- Minimum build size: 1,000 sq ft per structure (Spring Addition BOA), each of the four lots is independently buildable
- Source: Recorded Bill of Assurance, Spring Addition.
The build minimum is one requirement among several: soil and septic suitability, floodplain status, setbacks, and permits are separate matters. Izard County, not YAI, is the final authority, so call them before you build. Details in our Disclosures.
When you may build. Build after payoff. Permanent improvements (foundation, well, septic, utilities) before the final payment need YAI’s written OK first; that is section 11 of the sample contract. Cash buyers can build as soon as the deed is recorded.
Is there power and water?
Power and water are described as available at the street. That is not a representation that connections exist at the parcel boundary; connection costs are the buyer’s. Septic is by the buyer, subject to county requirements. See Disclosures.
What does it cost to hold?
Annual property tax: $214.88
Combined full county bill for all four lots ($53.72 each): ad valorem tax plus the flat Horseshoe Bend improvement-district fee (county records, pulled June 2026). How Arkansas land taxes work, with this real bill as the example, is in our tax guide.
What if I miss a payment?
Life happens, and the contract plans for it. You get a 5-day grace period with no fee. After that, a flat $50 late fee, and we reach out and talk before anything else. If things stay hard, you have a written 30-day window to catch up. If the account is still not brought current after that window, the contract allows us to end the agreement and keep the property, along with the payments already made; your risk is limited to these lots, with no personal liability beyond them. The full ladder is in our Terms and in the contract itself.
What deed do I get?
A Limited Warranty Deed, the same deed type by which we hold title to these lots. What this means: a Limited Warranty Deed guarantees the title for the period we have owned the land. You can verify the full chain of ownership in the county public records.
Do I have to visit first?
No. Open the exact coordinates (36.21019, -91.785511) in Google Maps, watch the property video at the top of this page, and read the sample contract. The 90-day money-back guarantee on owner financing is visit optional (the doc fee is excluded).
Can I pay it off early?
Yes. No prepayment penalty: pay off early at any time.
Start with $296. Or ask first.
Questions before you reserve? Email almog@yaillc.com. You talk directly to the owner.
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