Owner financing available for WAY BELOW market rates!!! Ask for more info! Two buildable 39+ acre parcels just 16 miles from Wiggins-surveyed and subdivided from a 116-acre legacy farm in 2024! Flat to gently rolling terrain with wide-open views, perfect for custom homes, animals, or your dream country setup. Zoned A-3 with no HOA, covenants, or metro district. Public gravel roads on two sides (Harrogate Rd & 144th Ave) provide year-round access. Electric is at the road (Morgan County REA), with estimated hookup cost of $1,750 per pole. Buyer to install well/septic-local aquifer depth is favorable (verify with well driller). Parcels have agricultural tax status and are out of crop lease. Less than an hour to Denver metro, 25 mins to Fort Morgan or Hudson, and just down the road from the small-town charm of Wiggins. Build now or hold for the future-these parcels offer space, flexibility, and true Colorado country living. Looking to build your dream home right away? Using a one-time close, or construction-to-permanent, option may combine the construction cost, price of the lot, and final mortgage into a single loan, all with only a single closing-eliminating the need to re-run credit or verify income and employment for a second time with as little as 5% down with our preferred lender-ask for details!