🌲 A Guide to Buying Land in Skagit County, WA: What You Need to Know

Whether you’re dreaming of building your custom home, starting a farm, or investing in property, buying land in Skagit County offers a unique opportunity. With its scenic views, rural charm, and proximity to both Seattle and Bellingham, Skagit County is an attractive location for buyers seeking space and tranquility. However, purchasing vacant land comes with its own set of considerations. Here’s what you need to know before making a move.

✅ 1. Why Buy Land in Skagit County?

Skagit County offers a blend of natural beauty and practical perks that make it appealing for land buyers:

• Stunning Scenery: From the farmlands of the Skagit Valley to the foothills of the North Cascades, the region offers breathtaking views.

• Accessible Location: Conveniently located off I-5, Skagit County provides easy access to Seattle (roughly 90 minutes) and Bellingham (30 minutes).

• Agricultural Potential: The area is known for its fertile farmland, making it ideal for farming or hobby agriculture.

• Lower Property Costs: Compared to King or Snohomish County, land in Skagit tends to be more affordable.

💡 2. Key Considerations When Buying Land

🛤️ Zoning and Land Use

Before purchasing, verify the zoning regulations to ensure the land fits your intended use.

• Residential vs. Agricultural: Some parcels may be designated as agricultural land with restrictions on residential development.

• Density and Setbacks: Confirm whether there are building restrictions, such as minimum lot sizes or setback requirements.

• HOA or CCRs: If the land is part of a planned community, check for any covenants, conditions, or restrictions.

🚰 Utilities and Infrastructure

Unlike purchasing a home, vacant land often lacks essential infrastructure.

• Water Access: Determine if the land has access to public water or if you’ll need to drill a well (can cost $10,000 – $30,000+).

• Septic Systems: For rural areas, you may need a perc test to verify if the soil can support a septic system.

• Electricity and Internet: Verify if power lines are nearby or if you’ll need to pay for installation.

• Road Access: Ensure the property has legal access to public roads or easements.

🌳 Environmental and Land Conditions

Skagit County has areas with wetlands, flood zones, and protected areas, which can affect building plans.

• Flood Zones: Parts of Skagit County, especially near rivers, are prone to flooding. Check FEMA flood maps before purchasing.

• Wetlands or Protected Land: Land with designated wetlands may have building restrictions or require mitigation efforts.

• Soil and Terrain: Consider ordering a soil test to confirm the land’s stability for building or farming.

💵 3. Understanding Closing Costs

Purchasing vacant land comes with closing costs, typically 2% – 5% of the purchase price for buyers. Here’s a breakdown:

• Title Insurance: $1,000 – $2,500

• Escrow and Recording Fees: $750 – $1,500

• Property Taxes: ~1% of the land value annually

• Survey and Environmental Tests: $500 – $3,000 (if applicable)

• Loan Costs: If financing, expect appraisal fees and loan origination charges

For example, on a $240,000 piece of land, you can expect closing costs of approximately $4,800 – $12,000.

📑 4. Financing Land Purchases

Unlike home loans, land loans often have:

• Higher Interest Rates: Typically 1–2% higher than residential mortgage rates.

• Shorter Loan Terms: Often 10–15 years instead of 30.

• Larger Down Payments: Expect to put down 20% – 50% of the land value.

💡 Tip: If you plan to build, you might qualify for a land and construction loan package, which combines the purchase and building costs into one loan.

🛠️ 5. Tips for a Smooth Land Purchase

• Work with a Local Agent: Partner with an agent who knows Skagit County’s zoning, land use, and property values.

• Get a Feasibility Study: If you plan to build, a feasibility study can confirm the land’s suitability for construction.

• Check for Easements or Liens: Ensure there are no hidden legal issues, like easements or outstanding taxes.

• Research Future Development: Check with Skagit County Planning and Development Services for future zoning changes or infrastructure plans.

🌿 Final Thoughts

Buying land in Skagit County offers incredible potential, whether you’re looking for a homesite, farm, or investment. By thoroughly researching zoning laws, land conditions, and infrastructure, you’ll be better prepared for a smooth and successful purchase.

📌 Considering buying land in Skagit County? Connect with a local expert to help you find the right property and guide you through the process. 🌲