Lazybrook Fulton County Arkansas — Rural Land Tracts For Sale With Owner Financing

Lazybrook is a 127.08-acre rural land development in Fulton County, Arkansas, located just off County Road 281 about 5 miles east of Mammoth Spring, AR. The property is divided into 20 surveyed tracts ranging from 3.94 to 10.15 acres — mature hardwood forest with rolling hills, open clearings, and a seasonal wet-weather creek running through the ground. At the time of writing, 18 of the original 20 tracts have sold, leaving 2 tracts still available: Tract 19 (6.44 acres) and Tract 20 (6.15 acres). 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 Lazybrook, Arkansas?

Lazybrook sits in Fulton County, in the wooded Ozark hills of north-central Arkansas along the Spring River corridor. The tracts are located just off County Road 281, about 5 miles east of Mammoth Spring, AR, one of the largest natural springs in the United States. Hardy, AR is roughly 20 miles east for restaurants, outfitters, and river access, and Mountain Home, AR is about 30 miles southwest for hospital and major retail needs. Jonesboro, AR is approximately 80 miles southeast, and Little Rock is about 155 miles south, so Lazybrook stays within reach of two regional centers without giving up the quiet of genuine Ozark acreage.

Fulton County occupies the southern edge of the Ozark Plateau, where spring-fed streams, dense hardwood and cedar timber, and rolling plateau country define the landscape. That geography is what produces the mixed oak, hickory, and Ozark hardwood forest found throughout Lazybrook and much of the surrounding county.

The location gives buyers real rural land without total isolation. Mammoth Spring handles day-to-day errands, Hardy provides river-town amenities and supply runs, and Mountain Home offers a larger hospital system and retail. For buyers coming from Jonesboro, Little Rock, or the broader mid-South, Lazybrook is close enough for regular weekend use while still feeling like true Ozark country once you turn off County Road 281.

What Does the Land at Lazybrook Look Like?

Lazybrook's 20 tracts sit across rolling hills covered in mature hardwood forest — oak, hickory, and the mixed Ozark hardwoods typical of Fulton County — broken up by open clearings and a seasonal wet-weather creek that crosses parts of the property. A stream on the property adds a water feature that several tracts border, and the terrain's natural draws create travel corridors for whitetail deer, turkey, and waterfowl.

Key characteristics of the property:

• Total acreage: 127.08 acres divided into 20 surveyed tracts
• Tract sizes: 3.94 to 10.15 acres each
• Terrain: Rolling hills, mature hardwood forest, open clearings, seasonal wet-weather creek
• Water feature: Stream on the property
• Wildlife: Whitetail deer, turkey, and waterfowl are common throughout Fulton County's hardwood timber
• Access: Unmaintained dirt road just off County Road 281
• Utilities: Electricity available from North Arkansas Electric Cooperative; buyers are entitled to drill a domestic well

There is no public water or sewer service on any tract. Buyers typically drill a domestic well and set up a septic or composting system — a well-understood build-out for rural Fulton County acreage.

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

Lazybrook was originally offered as 20 tracts of 3.94 to 10.15 acres. At the time of writing, 18 of the 20 tracts have sold, leaving Tract 19 (6.44 acres) and Tract 20 (6.15 acres) as the only remaining parcels. Because inventory moves, current availability and exact pricing are best confirmed on the Lazybrook pricing page.

Ongoing carrying costs are low. Property taxes on raw rural land in Fulton County typically run about $1–3 per acre per year, so a 6-acre tract like Tract 19 or Tract 20 carries an estimated annual tax bill of roughly $6–18 — among the lowest holding costs anywhere in Arkansas.

Does Lazybrook Offer Owner Financing With No Credit Check?

Yes — the two remaining tracts at Lazybrook 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 Lazybrook?

Lazybrook's tract sizes, timber, and proximity to Mammoth Spring suit several overlapping uses for Arkansas land buyers:

Hunting

Fulton County's hardwood ridges and creek bottoms support strong whitetail deer, turkey, and waterfowl populations, and Lazybrook's mix of mature timber, open clearings, and a wet-weather creek gives hunters natural travel routes and cover close to home. The rolling hills throughout the property create edge habitat that concentrates game along the tree lines.

Fishing and River Recreation

Mammoth Spring, about 5 miles west, is one of the largest natural springs in the United States, discharging more than 9 million gallons of water per hour and forming the headwaters of the Spring River. The Spring River is a premier destination for trout fishing, float trips, and smallmouth bass, and Mammoth Spring State Park sits just minutes from the property. Hardy, AR — about 20 miles east — is the main service town along the river, with outfitters and river access.

Off-Grid Cabin Site or Homestead

With electricity available from North Arkansas Electric Cooperative and the ability to drill a domestic well, a Lazybrook tract offers a straightforward path to a cabin or homestead build-out. Combined with a septic or composting system, the wooded, rolling terrain gives each remaining tract a private, timbered feel close to the Spring River corridor.

Long-Term Land Investment

With property taxes running only $6–18 a year on a 6-acre tract, Lazybrook is inexpensive to hold indefinitely — whether the plan is to build now, build later, or simply own a piece of the Arkansas Ozarks outright once the contract is paid off.

How Do I Visit or Buy a Tract at Lazybrook?

With only two tracts left, the fastest way to see current details is the Lazybrook 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 Lazybrook Tract 19 (6.44 acres) and Lazybrook Tract 20 (6.15 acres).

Getting started takes a few simple steps:

1. Review available tracts and pricing on the Lazybrook 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.

View available Lazybrook tracts →