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28.6 Acres – OWNER FINANCING AVAILABLE – Richland Harbor – Waverly, TN

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 ...

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Source:First Street

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Listing last updated: February 23, 2026 at 3:01 AM
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