Basic
$535.64/mo
- Down payment
- $999
- APR
- 10.99%
- Down payment match
- None
- Purchase price
- $39,900
- Doc fee
- $249
- Due at signing
- $1,248
Financing options
We match your down payment. Put 5%, 10% or 20% down and we match it. Owner financed, no credit check.
Enhanced
Most popular$484.30/mo
We match your 5% down
- Down payment
- $1,999
- APR
- 10.49%
- Down payment match
- $1,995
- New purchase price
- $37,905
- Doc fee
- $249
- Due at signing
- $2,248
$1,999 minimum down applies on this tract.
Text me about this planPremium
$421.65/mo
We match your 10% down
- Down payment
- $3,990
- APR
- 9.99%
- Down payment match
- $3,990
- New purchase price
- $35,910
- Doc fee
- $249
- Due at signing
- $4,239
Diamond
$303.13/mo
We match your 20% down
- Down payment
- $7,980
- APR
- 8.99%
- Down payment match
- $7,980
- New purchase price
- $31,920
- Doc fee
- $249
- Due at signing
- $8,229
Payments are estimates based on the list price and the plan’s published rate. A 10-year term is fixed for its full length; a 20-year term is rate-locked for 3 years, then the remaining balance is renewed every 3 years. Final terms are set by the purchase agreement and depend on the tract still being available.
All Property Plans Include:
- 20% discount for cash buyers!
- Payment date flexibility
- Low Doc Fee's!
- Everyone is Approved!
Questions? Text or chat with us.
Ask about any tract, the payments or a visit. No forms, no obligation.
Overview
Tract 234 has 9.85 acres in the middle of the property, with dirt roads shown on the plat nearby. The land is wooded mountain terrain, pine mixed with hardwoods, and there are open places to pitch a tent or put up a small cabin. It is fully off-grid with no power on the tract. The roads are unmaintained dirt, and a 4WD vehicle is recommended.
About Stone Creek Phase II
Stone Creek Phase II is wooded mountain land in the San Bois Mountains of Latimer County, Oklahoma. The development is about 3 miles northeast of Wilburton, 30 miles east of McAlester and 185 miles southeast of Oklahoma City. It is divided into 125 surveyed tracts, and every corner has been staked and pinned.
The ground here is steep and rugged in places, with secluded corners that give deer, turkey and bear good cover. Several tracts include ponds or wet-weather creeks, and the area averages about 50 inches of rain a year. A reservoir with a public access point borders the west side of the property on the plat. One section has a sheer rock face for hikers and climbers, and the whole property suits ATV and horseback riding. Nearby, Robbers Cave State Park is close at hand, and the Fourche Maline River west of Wilburton offers winter trout fishing. Average elevation is about 1,250 feet.
Features
Start using your land in 48 hours!
- Homesteading
- Mobile Structures
- Off-Grid Living
- Hunting
- 4x4
- Camping
- Small Structures
- No HOA
Location
Property Map
Documents & details
- Choose Your Tract
Browse available tracts and pick the one that fits your vision.
- Reserve with Down Payment
Secure your land with a small down payment — simple qualification, no credit check.
- Sign & Start Using in 48 hrs
Sign the contract and your land is yours — start using it within 48 hours.
Stone Creek Phase II Tract 234 — Homestead-Ready Acreage
Stone Creek Phase II Tract 234 gives you the room to grow food, raise animals, and build slow — 9.85 acres of homestead-ready acreage in Latimer County, Oklahoma. Part of Stone Creek Phase II. Priced at $39,900 — about $535.64/month on our Basic plan ($999 down, 10-year term).
- About 93 miles from Tulsa and 98 miles from Fayetteville, AR (straight line; the drive is longer).
- At 9.85 acres it is the 6th-largest of the 14 tracts still available at Stone Creek Phase II, at about $4,051 per acre versus a $4,318 average there.
- Long-term homestead build site — plant gardens, raise animals, dig a well
- No HOA, no city setbacks — rural zoning gives you room to grow your own
- Affordable $999-down entry beats saving for years for a "someday" homestead
Common questions about Stone Creek Phase II — Tract 234
Can I homestead on Stone Creek Phase II Tract 234?
Yes. Stone Creek Phase II Tract 234 is rural acreage suited for a long-term homestead — gardens, livestock, a well, a barn, a homestead-scale cabin. Most rural counties allow agricultural use without permits; refer to the property page for any local restrictions.
What is the closing process for Stone Creek Phase II Tract 234?
Stone Creek Phase II Tract 234 is sold via direct purchase agreement: you pay $999 down, sign the paperwork by email, and take possession. There is no realtor, no escrow officer, no underwriter — just a recorded deed and a simple installment agreement.
How do I buy Stone Creek Phase II Tract 234 without a bank?
Simple: put $999 down and sign a direct purchase agreement with Zero Credit Land. No bank, no underwriter, no realtor. The paperwork goes by email and you can take possession within days.
Can I build a primary home on Stone Creek Phase II Tract 234?
Stone Creek Phase II Tract 234 is rural acreage; most counties allow stick-built homes, modular homes, cabins, or homestead structures with standard permits. Confirm specific build requirements with the county before pouring a foundation.
Explore more
More Tracts at Stone Creek Phase II
Explore other available tracts in Stone Creek Phase II. Each offers its own acreage, price and features.
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More Land in Latimer County
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Stone Creek Phase III
Latimer County, Oklahoma
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