If you seller-financed land in the greater San Antonio area — whether acreage in the Hill Country, lots in booming suburbs like Helotes or Schertz, or rural parcels in Atascosa, Medina, or Comal Counties — you hold a valuable San Antonio land note.
San Antonio's stable economy (military bases, tourism, healthcare), consistent population growth, and proximity to Austin make these notes attractive to buyers. Selling direct gives you the highest net cash without broker commissions.
This San Antonio-specific 2026 guide details local market dynamics, valuation considerations unique to Bexar and surrounding counties, prevalent note structures, and the tailored selling process.
For the statewide overview, see our complete Texas guide.
Why San Antonio Land Notes Are Strong
San Antonio metro (Bexar + 7 surrounding counties) combines steady growth with affordability:
- Military installations (JBSA) drive stable demand.
- Hill Country recreation and retirement appeal.
- Spillover from Austin tech boom.
- Seller-financing common on rural/suburban tracts.
Result: Consistent buyer interest → competitive pricing (often lower discounts than remote areas).
San Antonio-Specific Valuation Factors
Beyond standard criteria:
- Military proximity premium: Notes near Lackland, Randolph, or Fort Sam Houston price higher.
- Hill Country views/water: Edwards Aquifer zone or scenic tracts command premium.
- Growth corridors: Notes along I-10, Loop 1604, or HWY 281 more valuable.
- Floodplain/ETJ: Bexar County regulations can impact, but still sellable.
Typical performing San Antonio note discount: 12-28% (solid market support).
Common Note Types in San Antonio Area
- Rural acreage in Medina/Atascosa (ranch/recreational).
- Subdivision lots in Cibolo/Schertz (military families).
- Hill Country tracts in Boerne/Kendall County.
- Contracts for deed prevalent in South Side and older neighborhoods.
The Selling Process in San Antonio
Standard steps with local advantages:
- Submit details (include Bexar CAD parcel ID for faster valuation).
- 24-hour quote using local comps.
- Due diligence: Bexar County records efficient; surrounding counties straightforward.
- Closing: San Antonio title companies experienced (see timeline).
We manage everything — including Bexar-specific records.
Local Tax & Legal Notes
Bexar Appraisal District (BCAD) values influence LTV. No unique San Antonio taxes on note sales (see state tax guide).
Partial Sales in San Antonio Market
Ideal here — cash for current needs while retaining income from appreciating area (see partial guide).
Non-Performing Notes in San Antonio
Strong resale market aids recovery — often better pricing than rural defaults (see non-performing guide).
Why Sell Direct in San Antonio
Local knowledge critical — direct buyers understand Bexar/Comal nuances better than brokers (see comparison). Avoid common mistakes.
Frequently Asked Questions - San Antonio Specific
Do San Antonio notes sell faster than other Texas areas?
Often yes — strong demand and efficient county records shave days off closing.
How does military base proximity affect price?
Positive — stable buyer pool increases value, reduces discount 5-10%.
Timeline different in Bexar County?
Efficient title searches — typically faster than rural counties.
Do you buy notes in surrounding counties?
Yes — Comal, Guadalupe, Medina, Atascosa, Kendall, Wilson, Bandera.
Special considerations for Hill Country notes?
Water rights/aquifer rules factored in — we know them well.
Best time to sell San Antonio note?
Current market strong — military transfers and retirement buyers active year-round.
San Antonio note holder? We're local and ready to help. Call Sandy at (210) 828-3573 or submit your San Antonio-area note details — fast, fair, direct offers since 1983.