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. Just 35 mins from 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!