Resources

Frequently Asked Questions

Q:

How can I look at the property?

A:
  • For each property on our website we have provided the tools necessary to determine the geographical location. There is a detailed map, survey plat, aerial map, topographic, and Google maps. 
  • Directions can be obtained by entering your starting address in the “Get Directions” located below the Google maps. The directions will provide the latitude/longitude parameters which can be useful to those who have a GPS system available. 
  • When viewing one of our properties, we recommend that you take the plats and maps that are available on our website. Another useful tool is a basic handheld GPS system which can interact with mapping software on a laptop or handheld device. This will provide a fully functioning multi-color interactive GPS system. In such a system, the latitude/longitude measurements provided in the “Get Directions” can be entered to find the exact location.  It may be difficult to locate the property relying only on the maps from our website due to the lack of detailed information on what is surrounding the property.
  • All of our properties are clearly marked with a sign that states the acreage amount and lot number. In addition, if the property has been surveyed by a licensed contractor then there are PVC post at each corner pin. 
  • Our properties are professionally bush-hogged with a John Deere 6110 so you can see what you are buying. We clean up as much of the land as possible with our farm tractor so you don’t have to.
  • For our larger acreage tracts, we can drive you over the property on our Kawasaki Mule. We would be happy to setup a private showing for any of our properties. Call us any day of the week at 1 (877) 331-4888. 
Q:

Am I allowed to cut trees off the property?

A:

You may cut trees for the purpose of clearing a driveway or garden. If you plan on selling the timber, written permission from the developer must be obtained. If we grant permission while holding a mortgage, we will require the money received to go towards your loan balance.   The trees are considered a part of the mortgage.  Timber companies are required (by a higher authority than us) to contact the mortgage holder to get permission as well. 

Q:

Are the mineral rights guaranteed for the properties?

A:

When it comes to mineral rights the rules and regulations can vary for each state. We are not experts pertaining to this matter. All the information we have on the property is included on the listing page. We recommend you call the county assessor’s office and provide them with the APN to obtain additional information. If you do not see a phone number for the assessor’s office in the listing, you can find it in the State and County Agencies section of our website. 

Q:

Are the pictures on the website the actual pictures of the property?

A:

Most of our pictures are the actual property. Although our inventory changes so often it is hard to provide photos of every parcel of land available. That is why a site visit is required before purchasing from us. Pictures are great, but they do not replace actually viewing the property.

Q:

Are there any usage restrictions on the land?

A:

Each parcel of land is unique, and usage restrictions may vary. All the information we have on the property is included on the listing page.

Q:

Are there time limitations to build?

A:

Unless specified in the posting, there are no time limits in which an owner must build on the property.

Q:

Can I buy more than one property?

A:

Yes, you may buy multiple properties; however we reserve the right to restrict any buyer from entering into too many loan agreements. The amount that can be purchased by an individual can vary and depends on that person’s financial strength. 

Q:

Can I make a larger down payment for an In-House financing purchase?

A:

Yes, as the down payment increases the interest rate decreases. A larger down payment will save you interest expense and lower the monthly payment. We have flexible financing  packages to fit your needs. Our goal is to make payments affordable to fit your budget. In addition, extra payments can be made without a pre-payment penalty or fee.

Q:

Can I step back from buying the property after the purchase agreement is signed?

A:

We are committed to your 100% satisfaction guarantee. If you are not satisfied we are not satisfied. If you change your mind for any reason prior to taking title to the property, we will void the purchase agreement and return your deposit.  No questions asked!

Q:

Do you have to use our In-House financing?

A:

You can choose to finance the property thru us or any lender of your choice. We encourage you to shop for the best financing arrangement possible. In fact, we can provide you with a referral list of lenders that provide loans on Land

Q:

How do I know what is actually on the Land?

A:

Most of what we sell is raw land, which means it is completely undeveloped and has no buildings or any physical structures on it. If you want to learn more about the terrain or features of the land that are not provided in our description, you should use the Assessor’s Parcel Number to call the county assessor’s office and obtain additional specifics. If you do not see a phone number for the assessor’s office in the listing, you can find it in the State and County Agencies section of our website. 

Q:

How does DGSchell acquire properties?

A:

Basically, we acquire quality properties in large quantities and in turn offer them to the ultimate property owner–YOU.  There are a variety of different resources that we obtain these properties

Q:

If I use the In-House financing, when will the deposit, down payment, and monthly payment be due?

A:

If In-House Financing is being provided, you will need a $300 deposit at the time the purchase agreement is written.   The down payment is due at the time of closing, which takes place within 72 hours or if more time is needed we can work with you.  Once the parcel of land is closed the first monthly payment will be due in 30 days.

Q:

Is there a penalty for paying off a property early?

A:

You can pay off your property at any time with no pre-payment penalty whatsoever. Just call us at 1 (877) 331-4888 and we will let you know your pay-off amount.

Q:

Should I visit the property before buying?

A:

YES, we strongly recommend that you do an onsite inspection of the property before purchasing.  We will do our best to tell you everything we know, but nothing replaces the value of doing your own research and due diligence. 

Q:

What form of payment do you accept?

A:
  • For monthly payments we accept Cash, Personal Checks, Business Checks, and Electronic Fund Transfers. 
  • Payments can be mailed to:  508 Farrell Drive Fort Wright, KY    41011
  • To make an Electronic Fund Transfer for a one-time payment or to setup an automatic monthly withdrawal, go to Make Payment.
Q:

What is a percolation test and has it been completed?

A:
  • A percolation test determines the absorption rate of the soil for a septic drain field or "leach field". The results of this test are required to properly design a septic system. In its broadest terms, percolation testing is simply observing how quickly a known volume of water dissipates into the subsoil of a drilled hole of known surface area. While every jurisdiction will have its own laws regarding the exact calculations for the length of line, depth of pit, etc., the testing procedures are the same. 
  • The percolation test has not been completed on most of our properties. The reason is because we are selling large parcels of land and we do not know where the home will be placed. It is necessary to know the placement of the home in order to test the appropriate area. The percolation test can be conducted prior to purchasing the property if the buyer desires to know what type of system is necessary. 
Q:

What is the APN for a parcel of land?

A:

APNs, or Assessor’s Parcel Number, are assigned to real estate to identify and track property. In the U.S., APNs are typically assigned by the local taxing authority, such as the city or county within which the property is located. Maps showing the parcel numbers are maintained in map books by the county assessor.

Q:

What is the legal description of land?

A:
  • The legal description of land, or a parcel of land, is the exact location of the parcel of land according to an established system.  The description is legally sufficient if a competent surveyor can locate the parcel of land using that description.  If someone is interested in conveying property to another person, there needs to be a detailed way of describing the boundaries of the property.  A typical street address is not legally sufficient as it does not describe the boundaries of the property, only the general location.
  • There are three systems currently used to legally describe property.  The first is the “Metes and Bounds” system.  This system uses permanent landmarks with “Metes” (distance and direction) and “Bounds” (a boundary object - a tree, a road, a creek, etc.).  The surveyor would have a particular “Point of Beginning”.  Then the surveyor would use measured distances and compass directions (metes) to describe the boundaries of the property, proceeding in a uniform direction around the property and ending back at the “Point of Beginning”.
  • The next system is the “Rectangular Survey System”.  This system uses Meridian (North and South lines) and Base (East and West lines) lines to create a grid.  The grid is broken down into 6 mile by 6 mile blocks called “Townships”.  These townships are further divided into 1 by 1 mile blocks called sections.  A parcel of land is described by using township names and section numbers, then specific portions of each section.  For example “the North West ¼ of the 14th section of Newtown Township”.
  • The last system of legally describing land is the “Lot and Block” system.  Almost all modern subdivisions use this system.  A surveyor creates a “Plat Map” that shows the dimensions of each property.  A plat map will also show any easements used by the utility companies and the governing municipality for the property.
Q:

What is the property zoned?

A:

Most of our properties are zoned either residential or agricultural. Some rural properties have no zoning at all. Please check with the county for the zoning status.

Q:

What kind of purchase agreement will I be signing when purchasing land through DGSchell?

A:

We use a standard Purchase Agreement for vacant land which lays out the terms of the transaction including the sale price, the financing arrangement, the deposit amount, and other pertinent details common in such a document.  

Q:

When are my property taxes due?

A:

The way property taxes are billed varies from state to state. Generally, the property taxes are sent to whoever the owner of record was on January 1 of each year. Usually after the property is transferred we will get the first tax bill. We will make payment directly to the county and send you a copy of the tax statement along with a bill for your pro-rated share that you will have to reimburse us for. The next year, you will receive the bill directly from the county and will be responsible for paying it. The property taxes are not included in the mortgage payment.

Q:

Where can I find information about a specific location?

A:

A complete list of our Land is found in the Find Land section on our website. Specific information such as maps, pricing, and regional information is available for each location. We want to provide you with the best information available to make an informed decision when buying land. 

Q:

Where is our office located?

A:

We are located in Fort Wright, KY. Visit our Contact Us page to obtain detailed directions.

Q:

Who do I contact if I have questions about the purchase process?

A:

Our 5 Easy Steps to Purchase Land! is straightforward and hassle free. If you have any questions, please do not hesitate to call us any day of the week at 1(877) 331-4888 and we will be happy to help you. We are a full service land company and are committed to outstanding customer service. 

Q:

Who owns the properties being sold on the DGSchell.com website?

A:

All properties sold through this website are owned by DGS Development, Ltd unless otherwise stated. It must be specifically noted that DGSchell.com is not a real estate brokerage company, but only a marketplace and brand name through which these properties are being sold by the Seller directly to the Buyer as a “For Sale by Owner” transaction.  However, we do hold a real estate broker’s license.

Q:

Who qualifies for financing?

A:

It is very simple…you want to buy a piece of land and we want to sell it to you! Our goal is to make land ownership possible for everybody. We believe that everyone deserves a chance to own and buy Land, and we treat you as if you have an A+ credit rating.  Even bankruptcies are okay. Many people with bad credit use us as a way to repair their credit. We do not report to credit agencies, but we will provide a good reference if payments are made timely. For more information go to our In-House Financing page.

Q:

Will I Be Pressured To Buy?

A:

Absolutely not!

At DGSchell our "no pressure" policy is always in effect. Our prime properties practically sell themselves. We won't be hounding you to buy. However, our friendly representatives are always available to take your call and answer any questions you might have and we welcome those calls. Be assured you'll always be treated with respect and there will be absolutely no pressure to buy. References are also available upon request. Please don't hesitate to give us a call at 877-331-4888 and one of our friendly representatives will be happy to assist you.