Tucked into the oak‑filled hills of southwestern Pittsburg County, Harmony Hills sits about 20 minutes east of Kiowa, 25 minutes southwest of McAlester, and half an hour north of Atoka. Salt Creek meanders across the land, giving you year‑round water amid post‑oak and blackjack timber that shelter plenty of deer and turkey. The gently rolling ground averages 640 feet in elevation, with Lake Atoka Reservoir only 20 minutes south for boating and fishing and bigger supply runs to Ada or Durant in under an hour. Quiet gravel roads, wide‑open Choctaw‑Nation views, and sparse neighbors make this the perfect spot for a weekend cabin, hunting retreat, or off‑grid homestead.
Monthly figures are our Basic plan: $999 down, 10.99% APR (annual percentage rate), calculated on full amortization up to 20 years. Exact term is set by the property price; some contracts include a balloon payment, typically due after three years.
Monthly figures are our Basic plan: $999 down, 10.99% APR (annual percentage rate), calculated on full amortization up to 20 years. Exact term is set by the property price; some contracts include a balloon payment, typically due after three years.
Owner financing is available at Harmony Hills. Plans start at $999 down, with annual percentage rates (APR) from 8.99% to 10.99% and purchase discounts up to 20%. Payments are calculated on full amortization over terms up to 20 years; the exact term depends on the property price, and some contracts include a balloon payment, typically due after three years. Cash buyers receive 20% off, and any buyer who puts at least 20% down receives the same 20%. That is the largest discount we offer. A credit check is not required.
Financing plans
Pick a plan to estimate your monthly payment.
Most Popular
Down payment
$999
5%
10%
20%
APR
10.99%
10.49%
9.99%
8.99%
Purchase discount
None
5%
10%
20%
Best for
Lowest down payment
5% off the purchase price
The plan most buyers choose
Lowest APR · Largest purchase discount
Good to know
No purchase discount
Down payment starts at $1,999
Down payment starts at $2,999
Down payment starts at $3,999
Included with every plan
No credit check20% discount for cash buyersLow closing costsPayment date flexibility
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.
Best forLowest down paymentGood to knowNo purchase discount
Enhanced
5%down10.49%APR
DOWN PAYMENT5% down, $1,999 minimum
PURCHASE DISCOUNT5%
Best for5% off the purchase priceGood to knowDown payment starts at $1,999
Premium
MOST POPULAR
10%down9.99%APR
DOWN PAYMENT10% down, $2,999 minimum
PURCHASE DISCOUNT10%
Best forThe plan most buyers chooseGood to knowDown payment starts at $2,999
Diamond
20%down8.99%APR
DOWN PAYMENT20% down, $3,999 minimum
PURCHASE DISCOUNT20%
Best forLowest APR · Largest purchase discountGood to knowDown payment starts at $3,999
Included with every plan
No credit check20% discount for cash buyersLow closing costsPayment date flexibility
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.
Harmony Hills sits in the oak-filled hills of southwestern Pittsburg County, Oklahoma — about 20 minutes east of Kiowa, 25 minutes southwest of McAlester, and 30 minutes north of Atoka, with Lake Atoka Reservoir just 20 minutes south for boating and fishing.
What improvements have been made?
This property has been professionally surveyed. All corners have been staked and pinned. Unmaintained dirt roads have been established for access to all existing lots. Note: For road maintenance, please see covenants.
What about utilities?
People’s Electric provides power for this area. For service requests, please refer to this form. (https://d31w3hofg2vu6m.cloudfront.net/uploads/2025/05/Harmony-Hills-Housing-Development-Questions.pdf) You are entitled to drill a domestic well on your property at your own cost. Water is not guaranteed to be available at any specific depths, quantity, or quality. Contact a Licensed Oklahoma Well driller for further information and proposed costs.
What will the road surface be like?
Access into Harmony Hills is by quiet gravel roads that wind through the oak-filled hills of southwestern Pittsburg County, keeping the property peaceful with sparse neighbors, wide-open Choctaw Nation views, and Salt Creek running nearby.
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 950 feet.
What is the average temperature throughout the year?
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec; 31° 34° 43° 51° 62° 70° 74° 72° 66° 54° 44° 36°
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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