The Golf Resort You Can Actually Afford

A lot inside the gate at the Running Y Ranch Resort, with sewer, water, and power already at the road, an Arnold Palmer course, a spa, a pool, and six miles of trails. $529 a month at zero percent. No bank, no mortgage, no credit check. A Warranty Deed in your name at payoff.

APN R886699. Phase 9, Lot 711, Kestrel Road, Running Y Ranch Resort, Klamath County, Oregon.

The Place You Drove Past and Figured Was for Somebody Else

Most people meet the Running Y from the outside. You come up the highway, you see the sign and the gate and the course laid out behind it, and you file the whole thing under places other people live.

That assumption is doing a lot of work, and it is mostly wrong. This lot is $529 a month. Not a down payment of $529 on something bigger. Five hundred twenty nine dollars a month, all in, resort dues included, at zero percent interest, with no bank involved and no credit check run on you.

I am not going to pretend that buys you a mansion on the fairway. It buys you a lot inside the gate, and the rest of what follows is me telling you exactly what that is and exactly what it is not.

What $529 a Month Buys You

It buys the address and the services, which on raw land is most of the battle. Sewer, water, and power are already at the road on this lot. It buys membership in the community from your first payment, which means the pool, the fitness center, the trails, and the rest are open to you while you are still paying. And it buys ground you own outright at the end of it, on a Warranty Deed, in a resort community fifteen minutes from a regional hospital.

What it does not buy is a lot of square footage, and I am going to say that up front rather than at the bottom. This is 0.36 acres. It is a building lot, not a spread. If room is what you are after, I sell four acre parcels out in the county for less than this, and I would rather point you at one of those than sell you the wrong thing. What you are paying for here is where it is and what is already in the ground.

What Is Already in the Ground

Gravity sewer. This is the one nobody thinks about until they are writing the check. The lot is on the resort’s community sewer system, which means there is no septic system to design, permit, dig, or maintain. On rural land that is a site evaluation, an engineered design, and a five figure bill before anybody breaks ground. Here that entire category of cost and delay does not exist. Connection, fees, and timing are set by the association and the district, so call them with the parcel number and confirm the specifics before you buy.

Water at the road. Public water service. No well to drill, no pump to maintain, no hauling.

Power at the road. The line is at the frontage, so a service drop rather than a line extension. Call the provider with the parcel number for a written figure before you count on a number.

Paved streets, maintained and plowed, with utilities underground throughout the resort.

The Land

0.36 acres on Kestrel Road, APN R886699, Phase 9, Lot 711, inside the Running Y Ranch Resort, Klamath County, Oregon, about fifteen minutes from Klamath Falls. Coordinates are 42.274301, -121.868172, so you can drop a pin and study the satellite view before you ever call me.

Moderate tree cover, enough for shade and a natural setting without a forest to clear before you find your building envelope.

The Numbers

The price of this land is $22,409. On terms that is $529 down and $529 a month for 64 months at zero percent interest, plus a one time $250 document fee, so $779 to start. You sign from your own kitchen table, the payments run automatically, and when the last one clears I file a Warranty Deed putting the lot in your name.

Pay it in full instead and I take $4,410 off, which brings the land to $17,999. That is the one discount I give, and the reason I can give it is simple. A cash sale saves me better than five years of carrying paper and servicing a note, so I hand that savings to the buyer who does not need the terms.

The document fee is $250 either way, because the paperwork is the same either way. What paying in full also skips is the $640 of note processing the note would carry, so writing one check keeps $5,050 in your pocket. Paying in full comes to $18,249 at closing, land and document fee together, and the Warranty Deed transfers to you that day.

Here is everything you would pay on terms, with nothing hidden in it. $779 at signing, then $33,856 over 64 months, which is $34,635 all in. Read that correctly before it scares you, because a third of it is not the land. $10,289 is resort dues and $1,046 is property tax, and you would owe both of those whether you financed or paid in full. The note processing fee is $640 across the note. The land itself is $22,409, and the document fee is $250.

The principal on this land is $21,880. That is what the note is written on and what your payoff is always based on. Your $529 down does not come off that principal. It is part of the $22,409 price rather than a deposit against it.

Here is every piece of the monthly. $341.88 of each payment goes straight to the principal. $160.77 is your resort dues, billed quarterly by the resort and spread across your monthly so the number stays steady. $16.35 is property tax, which runs about $196 a year. And $10 is a note processing fee. Add those four and you get $529. Nothing hides behind that number.

There is no interest anywhere in this deal. Not a low rate, not a teaser that adjusts on you later. Zero percent. Every one of those $341.88 goes against what you owe.

There is no prepayment penalty, ever. Pay it off any month and you owe only the remaining principal, not the dues, taxes, or note fees for months you skipped, because those months never happen. Send an extra $25 a month against the principal and you take about five months off the back end. Make it $50 and you take off closer to nine.

Pay in full and you are free to bring building plans whenever you like. Every terms purchase carries a 120-day money-back guarantee. Change your mind in the first 120 days and your principal comes back.

About Those Resort Dues, in Full

I am giving the dues a section of their own, because on a payment this size they are the biggest single line inside it and I would rather over-explain them than have you feel blindsided after you sign.

The Running Y is a real resort with real amenities and they cost real money to run. The dues, $482.31 a quarter, which is about $160.77 a month, are what pay for all of it: the golf course, the pool, the fitness center, the spa, the trails, the gate, and the management of the community. This is the resort’s own assessment. It is not a Dakota Skyhook charge and I do not make a dollar on it.

Two honest things. The dues continue for as long as you own here, so paying off the land does not end them, because they are the price of belonging to the resort rather than a payment on the lot. And a resort can change its assessment over time, so treat $160.77 a month as today’s figure and confirm the current number with the resort before you build.

The Golf, Said Straight

The Running Y is built around the only Arnold Palmer signature course in Oregon, and for a lot of people that is the reason they are on this page. So let me be precise, because this is the easiest thing here to assume wrong.

The dues fund the course. They are not free golf. A round out here is still a round you pay for, the same as anybody driving in from town. Owning here does not come with unlimited play, and if another seller tells you a resort lot does, ask them to put that in writing.

What owning here actually gets you is the course a few minutes from your own ground instead of a drive and a hotel, and membership in the community built around it. For most people who buy in, that was always the real thing they wanted.

What You Get From Day One

On most owner financed land you wait. Here, a great deal of what you are buying is yours from the very first payment. The moment you own in the resort, on terms or cash, you are part of the community and the amenities are open to you under the resort’s rules. You are not standing outside the gate waiting for payoff.

Come stay, walk the trails, use the pool and the fitness center, and stand on your own lot working out where the foundation goes, all while you are still paying it off. You get to try the life on before you have fully committed to the build.

When you are ready, this is a build-to-suit community with paved roads, underground utilities, and on this lot the sewer, water, and power already at the road. There is an architectural review and there are community standards, which is what keeps the place looking like the place you bought into. Talk with the resort about current building requirements when you are ready to draw plans, and I will hand you the documents before you send me a dollar.

Why the Running Y

The Running Y Ranch Resort is one of the premier resort communities in southern Oregon, in the high country just northwest of Klamath Falls, against a backdrop of the Cascades and Upper Klamath Lake. Inside there is a lodge, a full-service spa, an indoor pool, a fitness center, restaurants, and a market. More than six miles of paved trails. A sports center with a hot tub, sauna, weight room, game room, and courts for tennis, pickleball, basketball, and volleyball. A playground, and ice skating in winter. Access to Klamath Lake.

And a piece that matters more than any amenity. Klamath Falls has a regional hospital, Sky Lakes Medical Center, about fifteen minutes away, along with groceries, hardware, pharmacies, the Crater Lake-Klamath Regional Airport, and Oregon Tech. Resort life, real medical care, and real travel, all within easy reach.

The Country Beyond the Gate

Crater Lake National Park is a bit over an hour north, the deepest lake in the United States at nearly 2,000 feet. Closer in, Upper Klamath Lake spreads out below the resort, the largest freshwater lake in Oregon. This basin sits on the Pacific Flyway, and in winter it holds one of the largest gatherings of bald eagles in the lower 48. West of here the Cascades climb into wilderness, alpine lakes, and old growth timber.

And Oregon has no sales tax, none, so everything you buy to build and furnish comes without one stacked on top.

One honest word on the seasons. This is high country and it gets a real winter, with snow and roads that can be icy. The resort plows them, which is one of the things your dues are quietly doing for you.

Three Things I Will Not Sugarcoat

First, the lot is small. Thirty six hundredths of an acre. I said it near the top rather than down here, and I am repeating it because it is the single thing most likely to disappoint somebody who skimmed the price and got excited. This is a building lot, not acreage.

Second, the resort dues are real, about $160.77 a month, and they do not go away when the land is paid off. They are the price of belonging to the resort, and they are not free golf. On a $529 payment they are close to a third of it, so walk in with your eyes open on both counts.

Third, this is site built only. No manufactured homes and no mobile homes, and there is an architectural review your plans go through before you break ground. If a manufactured home was the plan, I sell county land that allows them and I will point you straight at it.

And one more honest word. This is land and a lifestyle, not an investment promise. I will not tell you the lot will go up in value, because I do not know that and nobody honest does. What it is worth to you is the address, the services already in the ground, and the place you build on it.

Who You Are Dealing With

You will be talking to me, Jay. You talk to me, not a call center. I have sold Klamath County land since 2016. I deal straight, I say the hard parts out loud, and on this lot the hard parts are a small footprint, a resort due that never ends, and a golf course that is not included, which is why all three got said plainly instead of buried in fine print. I would rather lose a sale than push you into the wrong piece of ground.

If you want a neutral party in the deal, you are welcome to run the closing through a title company. The deed at the end of every deal is a Warranty Deed, the highest level there is in this state.

What to Do Next

If you have driven past that gate and assumed it was for other people, this is the listing that says otherwise. The price is $22,409, and on terms that is $529 down, a one-time $250 document fee, then $529 a month for 64 months at zero percent, resort dues included in the payment, with no bank, no credit check, a 120-day money-back guarantee, and a Warranty Deed when the land is paid. No prepayment penalty, ever. Pay in full and I take $4,410 off, so the land is $17,999, and the deed transfers at closing.

Either way, the resort is yours from the first payment while you plan the build.

Call or text Jay at 701-929-7781, or email sales@dakotaskyhook.com. Tell me you are asking about APN R886699, the lot on Kestrel Road in the Running Y.

Dakota Skyhook. Klamath County, Oregon.