Frequently Asked Questions
Can I use my land right away?
Yes. As soon as your Agreement is accepted, you can move right in. Build a home, pitch a tent, park your RV, or sleep under the stars. In fact, you could be enjoying your land less than two weeks from today!!
What are the terms of purchase?
You have your choice of several ways to own your land. 1) Make a down payment by cash or Paypal and get immediate rights to enjoy your ranch. 2) Get low-cost financing through the owner with a small down payment and monthly terms to fit your budget. 3) Arrange your own financing or pay cash in full. Whichever way you choose, a toll-free phone call today, or fill out the online form to reserve your choice of land.
Can I stretch out the payments?
It's all very easy. All you need is a minimum initial investment of $500.00. Monthly payments are spread out over 30 years with 3.5% intrest. Send your check for $500.00, or pay with Paypal. Upon receipt, your down payment is deposited into an account opened with an escrow company. Treasure State Ranches will then prepare a Contract For Deed, Warranty Deed, Money Back Guarantee Certificate and Escrow Instructions. Upon receipt of these documents you will inspect and read them, sign and notarize where required, and return them to Treasure State Ranches. Your first monthly payment will be due when the documents are returned and accepted by Treasure State Ranches.
Can I sell my property?
Yes. You can sell your land at any time, even if you are still making payments. You can sell to anyone for any price. While no one can predict the future value of land, prices have risen over the past few years. We're simply offering you a choice of ranches for your recreation.
What about property taxes?
Property taxes are assessed by the county and will be charged to you the first year on a pro rata basis from the date of your purchase. You'll pay only for the months you own the property. The following years the county will send us a tax bill, payable in two equal installments. We'll pay it and then bill you the same two times a year basis. Property taxes are traditionally very low. When you call, we can give you the specifics on your choice of property.
What is an escrow agent?
An escrow agent is an independent third party to whom you make all payments and which holds all documents until the instructions of the buyer and seller are completed. All purchase documents, including our Warranty Deed to you, are made out in your name and held by the escrow agent. Upon final payment, the escrow agent will record your Warranty Deed and deliver it and a Title Insurance policy to you. Treasure State Ranches pays all costs for setting up the escrow. You'll be responsible for the $7.00 monthly fee collected by the escrow agent. It will be added to your monthly payment.
What about access road easements and covenants?
Every property is provided with a 60 foot-wide route for access - a right of way. It includes room for the actual roadbed and easement space on either side to allow for any utilities you might want to install. Access easements generally follow the contours of the land to keep the roads from becoming too steep. Covenants are a few simple rules to protect the environment and ensure the continued beauty of your land.
Who maintains the roads and what is the Landowners Association?
Most of our properties already have a Landowners Association. This group is responsible (and this is really important) for maintaining the roads and the standards that ensure continued beauty and value of the land for all owners. To accomplish this, approximately $80.00 to $100.00 per lot, per year is collected from each owner. You'll be billed approximately $40.00 to $50.00 twice a year along with your property taxes.
What is a Warranty Deed?
This is the highest form of legal document showing that the land is officially transferred to your name and belongs to you. Your Warranty Deed guarantees your ownership and serves double security along with your Title Insurance Policy. You receive your recorded Warranty Deed upon final payment.
Will my property be protected by Title Insurance?
YES. When you receive your Warranty Deed, you'll also receive a policy of Title Insurance. It will show that you are the owners of record. It also shows there are no reservations or exceptions to your title other than those clearly spelled out on your original Contract for Deed.
How do I purchase my Treasure State Ranch property?
1. Choose your ranch site that appears to fit your specifications from the maps.
2. Call toll-free 1-800-592-5990 or reserve the ranch of your choice or you can use Paypal. Call for more information. We'll put your name on it for seven days until your deposit arrives.
3. Mail your $500.00 check in to Treasure State Ranches, 210 Milwaukee Avenue, P.O. Box 69, Deer Lodge, MT 59722 OR y
We'll send your Purchase Agreement documents to sign and return, along with a photo color brochure and more information on the lot you purchased. Inspect and approve your site and then you can move in or vacation on your ranch immediately!
Welcome To Montana!!!