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Owner's Will Finance! Rare .38-acre lot in coveted Horsetooth Lake Estates with small creek running through it offers the perfect blend of foothills tranquility and city convenience- just 10 minutes from Taft & Harmony and minutes from Horsetooth Reservoir, Inlet Bay Marina, and Blue Sky Trail. The driveway is already in, and utilities-water, sewer, phone, and electricity-are all at the property line, ready for your dream build. Imagine mornings with red cliffs glowing in the sunrise, and evenings under a canopy of stars beside your own seasonal creek, framed by towering cottonwoods that shade your future backyard oasis. Enjoy dramatic foothills views, paved street access, and the freedom of no HOA and no covenants. Horses are welcome, and this property offers the rare opportunity to own a spacious foothills lot while staying close to Fort Collins' amenities. Bring your own builder and create your mountain retreat, modern farmhouse, or weekend getaway-this is outdoor living at its finest, with hiking, biking, boating, fishing, and paddleboarding just outside your door. Whether you're looking for a peaceful full-time residence or a recreation-based escape, this parcel captures the essence of Colorado living-mountain views, water nearby, and endless skies above. Ask for our ILC and the Larimer Residential Building Information from Agent. Park and enter the buildable area of this expansive lot via the concrete driveway that's already complete and ready for the next owner. Seller's are motivated and may consider owner financing with a down payment/short term for a builder. Seller will consider all offers. Proximity to the Reservoir and town make this lot very desirable and small drainage /creek is separate from flat building area accessible by the driveway which is adjacent to the neighbors driveway. Amazing flat building area with tons of privacy, close proximity to town and water.