So I am new to this forum and notice most of the Ontario stuff is older and I wished I had found this years earlier with people offering owner financed land. My wife and I are would like about 100 acres in a unorganized township!! Our problem is like most, I do not have a large down payment for financing.
What I am looking for is land that is actually usable. It doesn't have to be all cleared as I can do that myself but we don't want a flood plain or a marsh where you can't build because its protected. I want to build our place (a small cabin) and grow our own food and raise some livestock hence the larger acreage for pastures! If anyone has a property that they would be willing to sell/sever and offer owner financing I would be interested in hearing from you!!
I have covered about all angles from ads to Real Estate agents who are not very supportive and really don't want to or even encourage clients to take these deals which is really disappointing. A land contract is a legal deal just like a conventional mortgage so I don't get the whole move against it. Banks are really anti-land loans.
We have been looking for land in unorganized townships for some time now as well. We have settled on the Port Loring area, which is a great little community. We have lived up there the last two summers working at the farmers market selling our herbal teas and getting to know the locals. Land there is reasonably priced, not as cheap as way up north near Kirkland lake, but it is only 3.5 hours from Toronto, making it the closest unorganized area in Ontario to the major cities. There is a decent amount of farmland in the area, but not a lot for sale on the market.
The best thing we have found when looking for land there is to spend some time in the area and get talking to the locals. Go knock on some farmer's doors and see if they would sell you some land. They are pretty friendly in the area and like to talk. A lot of the farmers are quite old now and some have many hundreds of acres. I think this approach is also the only way you are going to get an owner held mortgage. I highly doubt you will get that going through a real estate agent. You basically have to get the people to like you and want to help you out, which requires spending time there and talking to the locals.
There is movement happening of cool people moving to the area and looking to do cool things with the lax regulations. There is a large influx of cottages in the summer which really helps the local economy and makes the farmers market very good. Now is the time to buy up there, as things are really starting to sell in the last year or so. We are moving up there permanently coming this spring, as we get the last of our business sorted out in the city here (Windsor).
I'm happy to give you more advice or help out however I can in this space.
Thanks for the reply!! That is one area I have been looking at and have seen a few properties but they either had something I didn't like (on MLS) or didn't seem to have enough land. I am willing to over look somethings as it may be hard to find the perfect acreage but there are things that is must and must not have to make it work. Ya I agree that real estate agents aren't very open to the idea. I have contacted many up there and only one has said he would keep an eye out but nothing has come from that. The others either said I would be wasting my time and there's as no one will do that or after reading my email or hearing my voice mail I get no response back!! Talk about professionalism!!
Rather than going up and knocking on doors (may irritate some. No one likes unsolicited visitors..lol) , is there an area where they mostly gather or an event where I could go and speak to a bunch at once??
I think I know the group you are talking about but when I contacted them the individual I had correspondence with made me aware they where not a fan of dogs (I have 3) and the price per acre/limit was not what I was looking for!! I could get more for less and I really want livestock to provide organic meat to my family and possibly others! When I inquired about this possibility it was if the community wanted it however they were leaning to more a vegan lifestyle for people growing. Again not for me. Meat that is store bought is full of crap and very expensive. Hence again why I want my own livestock. This would definitely be great for some but ultimately not for my family!!
What is your plan for income up there?? Will you be farming also or opening up another business??
As far as places where the local farmers gather, I'm not sure. They have community events, like bingo, cards, and fundraising dinners at the legion, but different people show up to different events. There are the churches in town as well, which many people attend. This would probably be a good place to meet and chat with folks. We basically told everyone we met that we were looking for a place and if they knew of anything to let us know. But that requires spending significant amounts of time in the area. There are a few rich people there who own a significant amount of different properties who you could track down and ask if they might sell something.
I don't know what your situation is, but it would be good if you could get up there and spend time talking to folks. It's best to do that when all the cottagers aren't there, so after labour day or before July.
I think the group you had contact with, who are looking to buy a very large piece of land and create an intentional community on, are farther south into the bush from South River off highway 11. That is a different area from where we are looking. The people I was referring to are just random folks who have moved to the area and purchased their own respective properties and are doing their own thing, but still getting together and trading, talking, making community. Port Loring is on highway 522, north more, closer to North Bay. Google map it. It is still part of the same large section of unorganized area that the other folks are looking to purchase in, but it is more in the "middle of nowhere".
For income we are going to be running our herbal tea business at local area markets in the summer and selling online all year. We are also going to be farming/gardening to provide ourselves with food and sell some down the road. We are also going to be setting up an education space where we will teach about herbalism, permaculture, wild plants/foraging, all that good stuff. There is a group of us who have just formed an organization to get some government funding to get some cool things going, focused on, arts, history, environment, and recreation, so this may lead to other income streams.
We are looking for a smaller scale set up, around 10 acres, probably with a home already built, so we can jump right in a get the things going we want to see happen.
Are you in a position to be able to go spend some time in the area talking to folks? I still think knocking on doors is a good idea. If not knocking, then driving by and looking for farmers who are outside and then walking up and talking to them. They are really quite friendly in the area and do like to talk.
Yep definitely able to get up there and knock on some doors. It's probably about 5 hours away. I use to go up to Port Loring when I was a child/teenager as my grandfather belonged to a hunt camp there. We would hit the boat launch on one of the lakes and then it was an hour and a half ride to the cabin. Use to be great for deer and moose and fishing back then. I haven't hunted there in over 20yrs though.
Maybe also when I come up if you have some free time we could get together for a drink. Can you PM me the name of that group or contact info so maybe when I come up I can meet some more people who are like minded??