4.22 Acres of Oregon Pine, Two Adjoining Lots

Four acres. Two deeds. Nobody telling you what to build.

This is 4.22 acres of heavy Klamath County pine on Kodiak Lane, sold as one piece. Mostly flat, heavily timbered, and quiet. Two adjoining lots, two separate parcels, and two Warranty Deeds when it is paid off.

$469 a month. No bank. No mortgage. No credit check. The price is $38,071, and if you would rather write one check I take a discount off that, which is spelled out further down this page.

APN R386362 (Block 7, Lot 48, 2.19 acres) and APN R386380 (Block 7, Lot 47, 2.03 acres), Klamath Falls Forest Estates Highway 66 Plat No. 1, Klamath County, Oregon.

Why Four Acres Changes Things

Most owner financed land out here is one or two acres. That is a lot with a yard on it. Four acres is a place.

It is room to set a home two hundred feet off the road and still have trees behind it. Room for a shop where you want the shop, not where the lot forces it. Room for a garden, a wood pile, a place to run dogs, and a stand of timber you never have to walk into. At 4.22 acres your nearest neighbor becomes a suggestion rather than a fact of daily life.

And because this is two separate tax lots, you keep options a single parcel would never give you. Build on one and hold the other. Build on one and pass the other to family. Sell one down the road and keep the one your house sits on. Two deeds, your call.

What You Are Getting

4.22 acres total, Block 7 Lots 47 and 48, side by side on Kodiak Lane

Heavy pine timber across both lots, for shade, screen, and privacy

Mostly flat ground, which makes siting a home, a driveway, and a septic field far simpler and cheaper than it is on slope

No design committee, no minimum square footage, and no build deadline. The recorded declaration for this plat does not impose any of it, so nobody approves your plans and nobody starts a clock on you

Twenty dollars a year total, ten per lot, to the association that maintains the roads. That is the only shared cost and it is already inside your payment

Manufactured homes allowed, along with site built and mobile homes. The recorded declaration places no restriction on them

Property taxes about $186 a year across all 4.22 acres

Klamath County, Oregon, in the Bly Mountain country near Bonanza, with the Fremont-Winema National Forest all around you

Coordinates are 42.363024, -121.419111 if you want to study it on satellite before you ever pick up the phone.

What the Twenty Dollars Is, and What It Is Not

There is an association here, and I would rather explain it plainly than let you find the paperwork after you sign. It is the Klamath Recreational Association, five trustees, and membership comes automatically with the land. Dues are ten dollars per lot per calendar year, due by the end of September, so twenty dollars a year on the pair.

If you own both lots and you would rather file for a single membership, the recorded rules let you do that. Your dues drop to ten dollars total and you carry one vote instead of two. Your call, and either way it is already inside your monthly payment.

What that twenty dollars does not buy is anybody telling you what to build. There is no architectural committee in the recorded rules, no minimum square footage, no setback schedule, and no deadline to finish. The association maintains the roads, and it cannot even pave one without a vote of half the membership at a meeting every owner gets fifteen days notice of. There is no separate road fee stacked on top.

And here is a piece that matters while you are still paying. The recorded rules make the contract purchaser the member in place of the record owner, so you are a member from the first payment rather than from payoff.

Two obligations run with the land, and you should know both going in.

You do not let debris or flammable material pile up, and you keep the ground to sound forestry practice so it does not become a fire hazard. In this part of Oregon that is a rule worth having, and it applies to your neighbor’s empty lot the same as it applies to yours.

And you do not cut or remove any tree over four inches in diameter without written permission from the association first. Four inches is not much, so read that twice. The permission cannot be withheld when you need the space for construction or when good forestry calls for it, so it is a step and not a veto. But it is a written step and it comes before the chainsaw. The firewood on these lots is yours, after you have asked.

The Part Most Sellers Bury

I would rather you hear this from me now than find it out on a job site three years from now. This is raw land and I describe it that way.

Water: there is a community well in the subdivision. You can fill jugs and containers there and haul them back to your property, which means you are not driving to town every time you need water while you are camping or building. For a permanent home you would drill your own well or set a storage tank. Oregon Water Resources Department logs for Klamath Falls Forest Estates run from about 200 feet to over 1,000 feet, and they vary sharply from one lot to the next, so I am not going to quote you a number I would be making up. Those logs are free and public and I will point you to them so you can look up what the neighbors hit before you spend a dollar.

Septic: required for a dwelling, and it is on you. More on that below, because it deserves more than a line.

Power: both neighboring properties have electric service. The line runs past this frontage, so at most you are pulling service in from a nearby pole. That is a service drop, not a half mile line extension, and it is a real advantage over most raw land at this price. Call the provider with the parcel numbers for an exact figure before you buy. Some buyers out here still choose solar, and this country gets a lot more sun than the west side of the state.

The timber is heavy, so you will clear a building pad. That is a day or two with the right equipment, and the wood is yours to mill or burn once the association has signed off on the cutting.

If that list is a dealbreaker, this is not your property and I would rather you know it now. If that list is exactly what you expected from four acres of Oregon timber at this price, keep reading.

Septic, and the Cost Most Buyers Forget

There is no sewer out here, so a septic system is required before you build and it is on you. Klamath County Environmental Health runs the site evaluation. Get that done early, because it is the gate everything else runs through and it is the single line first time land buyers most often leave out of the budget.

It is not a small number, and it belongs in the same column as the well and the service drop. On four acres you have the room to site it well, which is worth something, because a tight lot can force a system into the only spot that will take it. Here you have choices, and choices are cheaper.

The Numbers, All Of Them

The price of these two lots is $38,071. On terms that is $999 down and $469 a month for 84 months at zero percent interest, plus a one time $250 document fee, so $1,249 to start.

Pay it in full instead and I take $8,072 off, which brings the two lots to $29,999. That is the one discount I give, and the reason I can give it is simple. A cash sale saves me seven years of carrying paper and servicing a note, so I hand that savings to the buyer who does not need the terms. Pay in full and both Warranty Deeds transfer at closing, and the ground is yours free and clear from day one.

The document fee is $250 either way, because the paperwork is the same either way. What paying in full also skips is the $840 of note processing the seven years would carry, so writing one check keeps $8,912 in your pocket. Paying in full comes to $30,249 at closing, land and document fee together.

Here is everything you would pay on terms, with nothing hidden in it. $1,249 at signing, then $39,396 over 84 months, which is $40,645 all in. Of that, $38,071 is the land and $250 is the document fee. $1,344 is Klamath County property tax and $140 is the road fee across both lots, and you would owe both of those whether you financed or paid in full. The last $840 is the note processing fee at ten dollars a month.

Here is exactly what rides inside that $469, because nothing is hidden:

$441.33 straight to principal. About $16 for Klamath County property taxes. $10 for note processing and servicing. And $1.67 for the association dues.

The principal on this land is $37,072. That is what the note is written on and the figure your payoff is always based on. Your $999 down does not come off that principal. It is part of the $38,071 price rather than a deposit against it, and I am not going to let you assume otherwise.

There is no interest anywhere in this deal. Not a low rate. Not a teaser that adjusts on you later. Zero. Every one of those $441.33 goes against what you owe.

There is no prepayment penalty, ever. Pay it off any month you like and you owe only the remaining principal. Not the taxes, the dues, or the note fees for months you skipped, because those months never happen. Send an extra $20 a month and you take about four months off this note. Make it $30 and you take off closer to six.

Use It While You Pay For It

You do not wait for the deed to start using this land.

While the note is running you hold a recreational license to come out, walk it, scout it, and camp on it up to 21 days in any six month stretch, which is what Klamath County allows on private ground. That is a whole hunting season. The recorded declaration for this plat adds no camping restriction on top of the county rule, which is not true of every subdivision I sell in. Set a trailer back in the trees, learn where the sun falls and where the wind comes from, and use your own ground for years before it is paid off.

Most owner financed land makes you wait. You sign this month and you camp on your own land this month.

Now the honest limit, and I will not blur it. A permanent home waits for the deed. You camp within those county limits and you do not live on it full time in an RV. If you want to build sooner, pay cash and take the deeds at closing, or pay the note down faster.

Who This Is Right For

The buyer who wants room. If one and two acre parcels have been feeling tight, this is the answer to that.

The person planning to build in a few years who wants to lock the ground in now at a payment they do not feel, and spend the runway saving for the septic and the water setup. With power already at the frontage, the biggest unknown on most raw land is answered here.

The hunter who is tired of chasing a spot on public land every fall and wants a camp of his own that becomes a homesite later.

Anyone who hears no design committee, no minimum square footage, and no build deadline and thinks that sounds like the whole point.

It is not right for everyone. If you need to move in next month, the site work and the payoff wait make this a plan ahead property. If you want water piped to a meter at the lot line, this does not have it. And if you are looking for a quick flip or a promise that dirt will make you money, I am not your seller, because I do not sell land that way.

Buy It With Confidence

A Warranty Deed on each lot, the highest level of deed available in Oregon, with the seller standing behind clear title. That is what separates a real land sale from a contract for deed where a buyer can pay for years and still lose everything.

A 120 day money back guarantee on every owner financed purchase. Not satisfied in the first four months and you get your principal back, or you move it toward another parcel in my inventory.

A title company is welcome if you want a neutral third party holding the funds and the deeds.

No bank, no mortgage, no credit check, and nothing reported to the credit bureaus.

I hand you the recorded declaration before you send me a dollar, so you are reading the rules yourself rather than taking my word for what they say.

Closed remotely. Pay the down payment through a secure link, sign electronically, and your payments run automatically. Most of my buyers are out of state and never travel to buy.

Talk To Me

I am Jay, and when you call, you reach me. Not a call center. Not a salesman reading off a script. I have been in real estate since 2013 and have sold land in Klamath County since 2024, and the people who buy from me have usually been told no by a bank, or are self employed with income a lender cannot read, or are simply careful with their money the way anybody should be. The only way to earn that kind of trust is to hide nothing and rush no one.

Call or text 701-929-7781, or email sales@dakotaskyhook.com. Tell me you are asking about the four acres on Kodiak Lane and I will walk you through every bit of it.

4.22 acres. Two deeds. The price is $38,071, and $469 a month carries it at zero percent. Pay in full and I take $8,072 off, so the two lots are $29,999. No bank, no credit check, no design committee.

Dakota Skyhook. Klamath County, Oregon.