Let's Dig In

Buying land is different than buying a home. Here's what you should know before making an offer.

Land Questions, Answered

Buildability depends on several factors, including zoning, property restrictions, road access, utility availability, and soil conditions. Every property is different, and I'd be happy to help you evaluate a property before you buy.

If a property isn't connected to a public sewer system, soil testing helps determine whether the land can support a septic system and what type of system may be needed. This is one of the most important steps when buying vacant land for a future home.

Not always, but surveys are highly recommended. Especially if property lines are unclear or you're planning to build, install fencing, or subdivide the land. A survey can help avoid future boundary disputes.

It depends. Not all properties allow mobile homes, so it's important to verify any deed restrictions, HOA rules, zoning regulations, and local requirements before purchasing. You'll also want to make sure the property has access to the necessary utilities and, if public sewer isn't available, that the soil is suitable for a septic system. 

Utility availability varies by property. Before purchasing land, it's important to verify whether electricity, water, sewer, gas, and internet are available or if they'll need to be installed. If you're considering a specific property, I'd be happy to help you research the available utilities.

Yes! Many buyers finance land through local banks, credit unions, Farm Credit, or other lenders. Loan terms, down payment requirements, and interest rates vary depending on the property and your plans for it. If you need lender recommendations, I'd be happy to connect you with professionals who regularly finance land purchases.

Road frontage determines how your property is accessed. It can affect buildability, property value, and even financing. Some properties have direct access to a public road, while others may require an easement or shared driveway agreement.

Every transaction is different, but most land purchases close within 30–45 days. The timeline can vary depending on financing, inspections, surveys, soil testing, and any due diligence needed before closing. Cash purchases may close more quickly, while financed purchases can take a little longer.

Your Land Buying Toolbox

Click on each option below to learn more about available programs. 

Farm Credit Mid-America

Wilson Bank & Trust

First National Bank of Tennessee

One Bank of Tennessee

Local credit unions

Follow this link to find a list of available Soil Consultants in TN

Browse Tennessee's official list of approved soil consultants to find a professional in your area for perc tests, septic evaluations, and soil mapping.

Always contact Tennessee 811 before digging to have underground utility lines marked. It's free and can help prevent costly or dangerous accidents.

 

Search for recorded deeds, restrictions, and easements by contacting The Register of Deeds Office. Click on your designated county below to find contact information.

White County
Dekalb County
Coffee County
Warren County
Putnam County
Cumberland County

You can also request copies from me before writing an offer.

Your Home Buying Roadmap

Looking for Land? Tell me what you're looking for and I'll help you find it.

✔ Acreage

✔ Lake Property

✔ Building Lots

✔ Hunting Land

✔ Investment Property