Jade Pass Whitley County Kentucky — Rural Land Tracts For Sale With Owner Financing

Jade Pass is a 360.17-acre rural land development in Whitley County, Kentucky, in the Appalachian foothills about 3 miles east of Williamsburg, KY and within 25 minutes of Cumberland Falls State Resort Park. The property is divided into 43 wooded, mountainous tracts ranging from 5.05 to 7.02 acres — mature hardwoods, natural elevation changes, and abundant deer, turkey, and small game. At the time of writing, 33 of the 43 tracts have sold, leaving 10 tracts still available. Every remaining tract is sold direct from the seller through Zero Credit Land with owner financing — no credit check, no bank, and a Basic plan starting at just $999 down. Buyers who prefer a lower balance can choose the Enhanced plan: 5% down for a 5% discount off the list price. A one-time $249 document fee covers closing on any tract, with fixed monthly payments on terms up to 20 years.

Where Is Jade Pass, Kentucky?

Jade Pass sits in Whitley County, in the Appalachian foothills of southeastern Kentucky, about 3 miles east of Williamsburg, KY. Cumberland Falls State Resort Park — home of the "Niagara of the South" — is roughly 25 minutes away, and Daniel Boone National Forest is just minutes from the property. Corbin, KY is about 20 minutes north, Lake Cumberland is roughly an hour north, and Knoxville, TN is about 75 miles south, putting Jade Pass within reach of two states' worth of recreation and services.

Whitley County occupies the Appalachian foothills of southeastern Kentucky, where wooded, mountainous terrain and natural elevation changes define the landscape. The cooler summers at this elevation — several degrees below Kentucky's lowland counties — make the area popular for warm-season cabin retreats near Cumberland Falls.

The location gives buyers genuine mountain acreage without total isolation. Williamsburg handles day-to-day errands, Corbin provides a larger commercial hub about 20 minutes north, and Cumberland Falls and Daniel Boone National Forest are both a short drive away. For buyers coming from Knoxville or the broader mid-South, Jade Pass is close enough for regular weekend use while still feeling like true Appalachian country.

What Does the Land at Jade Pass Look Like?

Jade Pass' 43 tracts sit across heavily wooded, mountainous terrain with natural elevation changes and mature hardwoods typical of the Appalachian foothills. The wooded terrain and elevation changes create natural travel corridors for deer, turkey, and small game throughout the property.

Key characteristics of the property:

• Total acreage: 360.17 acres divided into 43 surveyed tracts
• Tract sizes: 5.05 to 7.02 acres each
• Terrain: Heavily wooded, mountainous, natural elevation changes, mature hardwoods
• Wildlife: Deer, turkey, and small game are common throughout Whitley County
• Access: Unmaintained dirt road
• Utilities: No accessible power lines on the property; buyers are entitled to drill a domestic well

There is no public electric, water, or sewer service on any tract. Buyers typically drill a domestic well and pair it with solar power and a septic or composting system — a well-understood off-grid build-out for rural Whitley County acreage.

How Much Does Land at Jade Pass Cost — and What About Taxes?

Jade Pass was originally offered as 43 tracts of 5.05 to 7.02 acres. At the time of writing, 33 of the 43 tracts have sold, leaving Tract 4 (5.05 acres, around $29,548), Tract 9 (5.80 acres, around $30,637), and Tract 10 (5.95 acres, around $31,429) among the remaining parcels. Because inventory moves, current availability and exact pricing are best confirmed on the Jade Pass pricing page.

Ongoing carrying costs stay manageable on wooded Appalachian acreage. Because the terrain and holding requirements vary tract to tract, current tax estimates for a specific parcel are best confirmed with the Whitley County property valuation office or the Zero Credit Land team.

Does Jade Pass Offer Owner Financing With No Credit Check?

Yes — the remaining tracts at Jade Pass are sold direct from the seller through Zero Credit Land, with no bank, no credit check, and no minimum credit score required. Here's how the financing works:

• Basic plan: $999 down to get started — no credit check, no bank involved
• Enhanced plan (most popular): 5% down in exchange for a 5% discount off the list price
• Document fee: A one-time $249 document fee covers closing on every tract
• Terms: Fixed monthly payments on plans running up to 20 years
• Structure: A contract for deed between buyer and seller — no third-party lender, no loan application, no debt-to-income review

Because there is no bank in the transaction, buyers with excellent credit, poor credit, no credit history, self-employment income, or a prior bankruptcy can all qualify on the same terms. Payments are fixed for the life of the contract, and the buyer receives a warranty deed once the balance is paid in full.

What Can You Do at Jade Pass?

Jade Pass' tract sizes, terrain, and proximity to Cumberland Falls and Daniel Boone National Forest suit several overlapping uses for Kentucky land buyers:

Hunting

Whitley County is well known for whitetail deer, turkey, and small-game hunting, and the heavily wooded mountainous terrain at Jade Pass — combined with proximity to Daniel Boone National Forest — makes it a strong pick for a private hunting tract or hunting cabin.

Waterfalls and National Forest Recreation

Cumberland Falls State Resort Park, about 25 minutes from the property, is home to the "Niagara of the South," a 68-foot waterfall on the Cumberland River known for its moonbow phenomenon. Daniel Boone National Forest is just minutes away for hiking and ATV trails, and Lake Cumberland is roughly an hour north for boating and fishing.

Off-Grid Cabin Site or Homestead

With no accessible power lines on the property and the ability to drill a domestic well, a Jade Pass tract offers a straightforward path to an off-grid cabin or homestead build-out. Combined with solar power and a septic or composting system, the wooded, mountainous terrain gives each remaining tract a private, secluded feel close to Cumberland Falls.

Long-Term Land Investment

With entry pricing starting around $29,548 for a 5.05-acre tract, Jade Pass offers an accessible entry point into Appalachian Kentucky acreage — whether the plan is to build now, build later, or simply own a piece of the Appalachian foothills outright once the contract is paid off.

How Do I Visit or Buy a Tract at Jade Pass?

With 10 tracts still available, the fastest way to see current details is the Jade Pass property page, which lists each remaining tract with acreage, price, and monthly payment estimates for both the Basic and Enhanced plans. Tract-level detail is available on Jade Pass Tract 4 (5.05 acres) and Jade Pass Tract 9 (5.80 acres).

Getting started takes a few simple steps:

1. Review available tracts and pricing on the Jade Pass pricing page
2. Choose the Basic plan ($999 down) or the Enhanced plan (5% down, 5% off the list price)
3. Pay the down payment plus the $249 document fee to start
4. Sign the contract for deed
5. Begin using your land and make fixed monthly payments for up to 20 years
6. Receive your warranty deed when the balance is paid in full

Questions? Call 469-908-2174 or email contact@zerocreditland.com. The team can walk you through current tract availability and share access directions so you can see the land before you commit. General financing details for all Zero Credit Land properties are also on the Zero Credit Land pricing page.

View available Jade Pass tracts →