A Resort Lot, Not a Resort Price

Four tenths of an acre 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. $569 a month. No bank, no mortgage, no credit check. A Warranty Deed in your name at payoff.

APN R889160. Phase 11 First Addition, Lot 881, Cooper’s Hawk Road, Running Y Ranch Resort, Klamath County, Oregon.

Most People Drive In for the Day

That is the whole of it, and it is worth sitting with for a second before you look at another number.

Almost everybody who uses a place like the Running Y arrives in the morning, plays a round or takes a treatment at the spa, has dinner, and drives back out again that night. They are guests. This is ground inside the gate, on a paved street where the lots on either side are already built on or building, a few minutes from all of it.

Resort ground usually gets priced the way resort ground gets priced, which is why most people stay guests. This one does not. $569 a month at zero percent, with no bank and no credit check, and if you would rather write one check I take a discount off that, which is spelled out further down. That is what makes this listing worth your time, and everything below is me showing my work on it.

What Is Already Here

This is the part that matters most on any piece of land, and on this one the answer is unusually good. Most of the expensive, slow work of making raw ground buildable is already done.

Gravity sewer. This is the big one. The lot is served by the resort’s community sewer system, which means there is no septic system to design, permit, dig, or maintain. On rural land a septic system is a site evaluation, an approved design, and a five figure bill before anyone breaks ground. Here that entire category of cost and delay simply does not exist. Connection, fees, and timing are set by the association and the district, so call them with the parcel number and confirm before you buy.

Water at the road. Public water service, so no well to drill, no pump to maintain, and no hauling. Call the provider with the parcel number for the exact hookup figure.

Power at the road. The line is at the frontage, so you are looking at a service drop rather than a line extension. Again, call the provider for a written number before you count on a figure.

Fiber runs into the resort. Out here that is rare enough to be worth naming, because most rural land leaves you choosing between the quiet and a connection good enough to work on. What I will not do is promise you what reaches this specific lot line or what the install costs, because that is between you and the provider. Ask them before you plan a workday around it.

And the streets are paved and maintained, and the resort plows them in winter, which matters more every year you own here.

The Land

0.40 acres on Cooper’s Hawk Road, APN R889160, Phase 11 First Addition, Lot 881, inside the Running Y Ranch Resort, Klamath County, Oregon, about fifteen minutes from Klamath Falls. Coordinates are 42.286936, -121.875393, so you can drop a pin and study the satellite view before you ever call me.

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

I will be straight with you about the size. Four tenths of an acre is a lot, not a spread. If room is what you are after, I sell four acre parcels out in the county and this is not that. What you are buying here is the location, the services, and the community, and the price reflects a lot rather than acreage. That is either exactly what you want or it is not, and I would rather you decide now.

One thing worth knowing that does not show on a map: the lots on either side are already built on or building. You are not the pioneer on an empty street waiting years for neighbors. The block is happening.

The Numbers

The price of this land is $26,919. On terms that is $569 down and $569 a month for 69 months at zero percent interest, which is a little under six years, plus a one time $250 document fee, so $819 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 $6,019 off, which brings the land to $20,900. That is the one discount I give, and the reason I can give it is simple. A cash sale saves me nearly six 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 $690 of note processing those years would carry, so writing one check keeps $6,709 in your pocket. Paying in full comes to $21,150 at closing, land and document fee together, and the Warranty Deed transfers to you that day.

The principal on this land is $26,350. That is what the note is written on and what your payoff is always based on. Your $569 down does not come off that principal. It is part of the $26,919 price rather than a deposit against it.

Everything else rides on top of the principal, and this payment carries a real resort assessment inside it, so let me name every piece. $381.88 goes to 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 $569. Nothing hides behind that number.

There is no interest anywhere in this deal. Not a low rate, not a teaser that adjusts later. Zero. Every one of those $381.88 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 four months off the back end. Make it $50 and you take off closer to eight.

Here is everything you would pay on terms, with nothing hidden in it. $819 at signing, then $39,261 over 69 months, which is $40,080 all in. Read that correctly before it scares you, because most of it is not the land. $11,093 is resort dues and $1,128 is Klamath County property tax, and you would owe both of those whether you financed or paid in full. Another $690 is the note processing fee across those years. The land itself is $26,919, and the document fee is $250.

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 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.

Now the thing that is easiest in the world to assume wrong, so I am going to say it plainly. The dues fund the golf 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. If another seller tells you a resort lot comes with unlimited play, ask them to put it in writing.

Two more 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.

What that money does buy is a maintained, gated, plowed community with a pool, a fitness center, a spa, and six miles of trails, and somebody else doing the upkeep on all of it. For a lot of buyers that is not a fee, it is the reason to be here.

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.

You can 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 to build, 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.

The honest limit. Full ownership of the ground comes with the deed at payoff, or at closing if you pay cash. The resort life is yours the whole way through.

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. Its centerpiece is the only Arnold Palmer signature golf course in the state, but for somebody who is going to own here the golf is one piece of a much bigger picture.

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. You get the resort and real medical care and real travel all within easy reach, which is what makes a place work for the long haul rather than just for a good week.

It is resort living without a resort city price, in a corner of Oregon that trades the gray of the west side for bright high desert sunshine most of the year.

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. To the west 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. On a whole house of materials and furnishings that is real money.

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, which is one of the things your dues are doing for you.

Three Things I Will Not Sugarcoat

First, the lot is small. Four tenths of an acre. I put that in The Land section rather than burying it down here, and I am repeating it because it is the single thing most likely to disappoint somebody who skimmed. This is a 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. Walk in knowing both.

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. Those standards protect the value of what you and your neighbors put up, which is what you want when your own build is going in. But 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 location, the services already in the ground, and the place you build here.

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 and a resort due that never goes away, which is why each of them got a section instead of a line of 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

Picture the ordinary version of it. A Tuesday morning walk on six miles of paved trail. The pool when the weather turns. Dinner at the lodge when family comes through. A hospital fifteen minutes away and an airport for the people who visit. And your own ground at the end of a paved street, with the sewer, the water, and the power already waiting at the road for whatever you decide to build.

The price is $26,919, and on terms that is $569 down, a one-time $250 document fee, then $569 a month for 69 months, all in, resort dues included, 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 $6,019 off, so the land is $20,900, 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 R889160, the lot on Cooper’s Hawk Road in the Running Y.

Dakota Skyhook. Klamath County, Oregon.