Large acreage. Flexible terms. Priced to move. 28.6 wooded acres (Lots 123 & 124) offered together in the established Richland Harbor development. This is a rare chance to secure a sizeable tract with owner financing available — no bank required. Includes: 15-acre tract + 13.6-acre tract (separate legal lots) Rolling terrain with multiple potential build sites Mature hardwood timber Private gravel road frontage Power and fiber internet at the road Minutes to Waverly and Kentucky Lake Lot 123 was previously approved for a 4-bedroom septic system (permit issued 2021; buyer to verify current status with TDEC). Protective covenants in place (no mobile homes; stick-built and qualifying modular homes permitted), helping preserve long-term value. Whether you’re looking to build, invest, create a private retreat, or secure land with flexible terms — this property checks the boxes. Owner financing available. Large, contiguous tracts inside protected developments at this price point don’t last.