Plans starting at just $183/month or $33,900 in full
From $999 down. $183/month is with $6,780 down, 8.99% APR, amortized up to 20 years; some contracts include a balloon payment, typically due after three years
Jade Pass Tract 12 is a 6.10 acre property located in the Appalachian Mountains of Whitley County, Kentucky. This tract features heavily wooded, mountainous terrain with natural elevation changes that provide privacy and a true backcountry feel. The land offers a quiet, rural setting ideal for a hunting camp, off-grid cabin, or long-term homestead, with ample space to enjoy outdoor recreation and seclusion. Jade Pass Tract 12 is well suited for buyers seeking rugged mountain land with the freedom to build, explore, and invest in Eastern Kentucky’s natural landscape.
Land Specifics
County / State
Whitley County, Kentucky
Acreage & Dimensions
6.10 acres
Terrain
Wooded hillsides and rolling terrain in the Appalachian Mountains, with wet-weather creeks flowing through select parcels.
Utilities
Undeveloped, off-grid setting — no utilities indicated.
Property Map
Owner financing is available on Jade Pass Tract 12: $999 down, then $339/month for 20 years at a 10.99% annual percentage rate (APR). Payments are calculated on full amortization over that term; some contracts include a balloon payment, typically due after three years. Cash price: $33,900. A credit check is not required.
Financing Plans
Every plan for this tract, side by side. Pick one and the due-today total follows.
PlanDown paymentAPRMonthly
Total Due Today
Down payment $3,390+Doc prep fee $249
$3,639
Purchase price $33,900.
$3,390 down, 9.99% APR, amortized up to 20 years; some contracts include a balloon payment, typically due after three years
APR = annual percentage rate. Payments are calculated on full amortization over the stated term, up to 20 years. Some contracts include a balloon payment, typically due after three years, when the remaining balance is refinanced or paid. Your contract states your exact terms.
Rates, discounts and down-payment minimums shown are current terms and are subject to adjustment without notice.
Our team answers this in detail for every property — call 972-649-6200 or send a message using the form and a representative will walk you through it.
What improvements have been made?
Our team answers this in detail for every property — call 972-649-6200 or send a message using the form and a representative will walk you through it.
What about utilities?
Our team answers this in detail for every property — call 972-649-6200 or send a message using the form and a representative will walk you through it.
What will the road surface be like?
Our team answers this in detail for every property — call 972-649-6200 or send a message using the form and a representative will walk you through it.
Financing
What is the minimum down payment amount to purchase and are there closing costs?
A minimum of $999 down payment is required for purchase. Closing costs are currently a nominal $249.00 for us to prepare all of the legal documents required for the contract for deed.
If I finance the property, to whom do I make my payments and how will I know I have received proper credit for my payments?
We do not do credit checks and you are instantly qualified to purchase. We have our own in-house financing available. Your payments will be made to Classic Country Land, LLC. You can choose to make your monthly payments online on our Make A Payment (https://www.classiccountryland.com/payment/card/) portal or sign up for Autopay.
May I use the land while I'm paying for it and when do I receive a deed to my property?
Yes, beginning the very day you sign the purchase contract, the land is yours to use and enjoy. You will receive your Warranty Deed once you pay off your property.
Is there a penalty for paying off my land early?
There is absolutely no prepayment penalty. Your monthly payment is applied to your account balance using simple interest on the unpaid balance. All extra monthly payments will be applied directly to the principal. All extra payments will directly lower your balance, reducing the overall interest you pay on your purchase.
Does a buyer have to build a house within a certain time frame?
A buyer is never obligated to a timeframe to build on their property.
Can I resell my property in the future and make a profit?
While there is no guarantee of profit from any land sale, historically land prices have increased in value. We believe there are many reasons for this upward trend, including inflation, population growth, a decreasing land supply, the public’s desire for a more natural environment, the trend toward movement away from urban areas, and the increasing popularity of outdoor recreational activities.
Can I make an offer and what kinds of discounts are available?
Offers are discouraged as the properties are priced for immediate sale under our “No Haggle” pricing policy. Discounts are based on the finance plan that you choose.
Why are some properties more expensive than others?
The properties have been priced according to our “A B C” analysis and consideration of the proximity of the parcels to existing electricity. “A B C” stands for Access, Beauty, and Character. In other words, how good, quick, or easy is the access to the property from the main highway or county road. The beauty of the property mainly pertains to the vegetation and scenery. The character of the property refers mainly to its topography, for example: Is the parcel flat, rolling, steep, etc.
How does the contract-for-deed process work?
Once you and CCL agree on a property and payment plan, we send you a contract for deed to sign. After both parties sign, the land is yours to use while you make payments directly to us — no bank, no middleman. We hold the deed until the contract is paid in full, then convey it to you, completing your ownership.
Elevation & Weather
What is the average elevation of the property?
The average elevation is approximately 1150 feet.
What is the average temperature throughout the year?
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec; 35° 37° 50° 54° 64° 72° 73° 75° 68° 56° 45° 40°
Zoning & Taxes
What zoning applies to the property, and what are the property taxes for the parcel?
The zoning allows Residential/Recreational. Property taxes on rural, undeveloped land are generally very inexpensive; however, the amount can vary based on location and the value of surrounding properties. Please ask your sales associate if you need a more accurate estimation of a given tract.
Land Use & Rights
Are mineral rights included?
By default, Classic Country Land retains the mineral rights where we hold them, so they don't automatically transfer with the land. But here's the good news: on many of our properties we do hold the mineral rights — and we're happy to sell them with your tract. If owning the minerals under your land matters to you, ask us: we'll tell you exactly what's available for this property and what it would add.
Is there an hoa or poa?
Not every property in our inventory carries the same restrictions. Many of our tracts have no HOA or POA at all, while some developments do include a property owners' association with its own dues and covenants. The recorded restrictions for your specific property control here — check the Restrictions document on this page, or give us a call and we'll walk you through exactly what applies to the parcel you're looking at.
Can I camp or park an rv on my land?
It depends on the property. Plenty of our land welcomes recreational camping and RV parking, especially while you're getting to know it before building — but some developments' recorded restrictions limit or prohibit it. Check the Restrictions document on this page for your specific property, or reach out and we'll tell you plainly what's allowed on the tract you're interested in.
Are mobile or manufactured homes allowed?
This varies by development. A number of our properties allow mobile or manufactured homes, while others' recorded restrictions call for site-built construction only. The Restrictions document on this page spells out what applies to your specific property — or just ask us and we'll give you a straight answer before you buy.
Is hunting allowed?
Many of our rural tracts are well suited to hunting, and plenty of owners use their land that way. Some developments' recorded restrictions do limit it, though, so this varies property to property. Check the Restrictions document on this page for your specific tract, or call us and we'll tell you exactly what's allowed.
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