22 Acres with Seller Financing Near Waxhaw

Opportunities like this are becoming increasingly rare—substantial acreage with flexibility, natural water features, wildlife habitat, and proximity to a thriving small town. This ±22-acre property in Union County, just outside Waxhaw, offers the perfect balance between privacy and convenience. Even more appealing, seller financing is available, allowing you to secure the property now by paying only a portion upfront.

Whether you are seeking a private estate setting, a recreational retreat, a long-term land investment, or a future homesite surrounded by nature, this property provides the foundation for all of it.

A Diverse Landscape with Natural Character

One of the most compelling features of this tract is its natural diversity. The front portion of the property consists of dry, usable land—ideal for a homesite or future development. This area offers accessibility, flexibility, and the opportunity to design your ideal living space without the constraints often found in subdivision lots.

Picture a custom-built farmhouse with a wraparound porch. Imagine a modern barndominium with large windows overlooking wooded acreage. Or perhaps a more modest cabin tucked into the tree line for peaceful weekend escapes. The open, buildable section at the front provides the canvas. Your imagination supplies the blueprint.

Toward the rear of the property, approximately ±16 acres transition into wetlands that back directly up to Waxhaw Creek. This natural feature creates a stunning and ecologically rich environment. Wetlands serve as natural filtration systems, flood buffers, and wildlife sanctuaries. Rather than limiting the property, they enhance it—offering privacy, beauty, and long-term environmental value.

The presence of Waxhaw Creek adds another layer of appeal. Water features have historically increased land desirability, and creek frontage creates both visual and recreational benefits. The soothing sounds of flowing water, the movement of wildlife, and the ever-changing seasonal landscape make this more than just land—it becomes an experience.

A Haven for Wildlife and Outdoor Recreation

The combination of dry upland areas and wetlands creates what is known as “edge habitat,” where two ecosystems meet. These transition zones are highly attractive to wildlife.

This property regularly attracts:

Whitetail deer

Waterfowl

Small game

Songbirds and native wildlife

For outdoor enthusiasts, hunters, or those who simply appreciate observing nature, this setting offers exceptional opportunity. The wooded areas provide cover and travel corridors, while the wetlands and creek supply water and food sources.

Imagine early mornings watching deer move along the tree line. Picture setting up a small blind during waterfowl season. Consider the potential for trail systems winding through the property for walking, ATV riding, or quiet exploration.

Unlike heavily cleared parcels, this tract offers a natural landscape that feels untouched and peaceful. It is the kind of setting where weekends are spent outdoors, where children can explore safely within your own boundaries, and where privacy is preserved.

No Deed Restrictions – Freedom to Build and Design

One of the most powerful aspects of this offering is the absence of deed restrictions. In today’s market, many rural properties come tied to architectural guidelines, minimum square footage requirements, HOA rules, or usage limitations.

Here, you have freedom.

No HOA oversight.
No design mandates.
No imposed timelines to build.

That flexibility allows you to develop the property on your schedule and according to your vision. Whether you choose to build immediately or hold the land for future appreciation, the choice remains yours.

A soil test has already been completed and is available upon request, giving you a valuable head start in evaluating septic feasibility. Buyers should conduct independent verification of zoning, septic, well, and development requirements, ensuring that plans align with county regulations.

Seller Financing – A Strategic Advantage

Seller financing significantly enhances this opportunity. Traditional land loans can be difficult to secure, often requiring substantial down payments and strict lending terms. With seller financing available, you may be able to acquire the property with only a portion paid upfront.

This flexibility can allow you to:

Preserve cash for improvements

Invest in clearing or grading a homesite

Install utilities or access roads

Maintain liquidity while securing long-term land ownership

For buyers who understand the value of land as a long-term asset, seller financing can make ownership accessible without the immediate burden of full conventional financing.

Location: Rural Tranquility Minutes from Town

While the property offers privacy and natural surroundings, it is conveniently located just minutes from downtown Waxhaw.

Waxhaw has become one of the most desirable small towns in the greater Charlotte region, known for its historic charm, local boutiques, dining options, and vibrant community events. Living near Waxhaw means enjoying small-town character without sacrificing convenience.

Residents appreciate:

Local restaurants and coffee shops

Seasonal festivals and farmers markets

Access to regional highways

Proximity to the Charlotte metropolitan area

Being situated in Union County adds long-term value appeal, as the county continues to experience steady growth. Yet properties offering this level of acreage and privacy are becoming increasingly scarce.

You can enjoy wide-open space, wildlife, and creek frontage while still being close to daily necessities and community amenities.

Investment Potential and Long-Term Value

Land near expanding communities often holds strong long-term appeal. As surrounding areas develop, larger tracts with natural features become more difficult to find. Wetlands and creek frontage also discourage dense neighboring development, which can help preserve privacy over time.

This property offers multiple strategic possibilities:

Build now and create a private estate

Hold as a long-term investment

Develop a recreational retreat

Establish a multi-generational family property

Unlike residential subdivisions where homes sit tightly together, this acreage provides breathing room. Space has intrinsic value—especially in regions experiencing growth.

A Property That Offers More Than Just Acreage

Owning land like this is about more than square footage. It is about stewardship. It is about investing in something tangible. It is about creating a place where memories can unfold naturally over time.

Imagine:

A gravel driveway leading to your future home

A cleared homesite overlooking wooded acreage

Evenings by a firepit beneath open skies

Morning walks along the creek’s edge

Trails cut through the trees for recreation

This ±22-acre tract offers versatility rarely found in a single property. It combines buildable land, ecological diversity, wildlife habitat, and location advantages—all enhanced by seller financing availability.

Important Buyer Considerations

As with any land purchase, buyers should conduct independent verification of:

Zoning regulations

Septic requirements

Well installation feasibility

Building permits and development guidelines

The completed soil test provides helpful preliminary information and is available upon request. Proper due diligence ensures that your plans align with county and environmental regulations.

Rare Opportunity Near Waxhaw

Large, unrestricted acreage near Waxhaw does not remain available for long—especially when paired with seller financing. The combination of dry buildable ground, creek-backed wetlands, wildlife habitat, and proximity to town creates a unique offering.

Whether you are seeking privacy, recreation, investment potential, or a future homesite surrounded by nature, this property delivers.

Land waits patiently—but opportunities do not.

Secure your ±22 acres in Union County and create the space, freedom, and lifestyle you have been searching for.

Listed on Zillow