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- #81
- Apr 15, 2011
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I've got 18.5 acres that I bought in 2006, inbetween New Waverly & Coldspring Texas. It backs up to the Sam Houston National Forest, so I'll never have to worry about neighbors on that side. I used Capital Farm Credit, since they do house length loans for just land. It's great - they're also a co-op, so once a year, I'll get a dividend check that's pretty much one month's payment. I refinanced in 2009 and doubled the loan amount so I could do some improvements: cut trees (solid woods), dig up the stumps, fence (hog fence plus 2 strands barbless wire), driveway, water well, electric and a pole barn. THAT completely tripled my yearly taxes and the county had recently changed the ag-exemption rules and it now states that property must be at least 20 acres. In any case, I'm just biding my time until I can afford to build a house. Could be another 5-10 years. I'm in no real rush. I've got a good set up currently - I live with my folks, 20 minutes from downtown Houston, where I work, and they have 4 acres and plenty of room for my horses and chickens. Dad's already stated that when they do sell their house, he's going to move with me. Mom is unsure. She's got multiple myeloma, so doesn't want to get too far from MD Anderson, but she loves country living. So, no one's going anywhere just yet.
My dream is a log home. Not too big, but with a wraparound porch.
Thanks so much for that NP! Really helpful info here, especially since TX is one place we are looking at land wise. Is the change to 20 acres for ag-exemption state wide, or county? Any other tips for TX lands?
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