Sell Your Land Note in Bexar County, Texas — Complete Guide

Bexar County sits at the heart of South Central Texas, anchored by the vibrant city of San Antonio, the second-largest city in the state and the seventh-largest in the nation. If you hold a promissory note secured by land in Bexar County, you are sitting on an asset backed by one of the most stable and steadily growing real estate markets in Texas. The decision to sell your land note in Bexar County, Texas is a financial move that can convert years of future monthly payments into a lump sum of cash you can use right now, and the strength of the local market means you are in a favorable position to receive a competitive offer.

San Antonio and the broader Bexar County area have experienced remarkable growth over the past two decades. The county's population has surged past two million residents, driven by a combination of military expansion, healthcare industry growth, tourism, technology sector development, and a cost of living that continues to attract families and businesses from across the country. This population growth translates directly into demand for land, which in turn supports property values and makes Bexar County land notes attractive to buyers who are looking for reliable, Texas-based investments.

Whether your note is tied to a residential lot in one of San Antonio's sprawling suburbs, a rural tract on the county's southern or western edge, or a small commercial parcel along one of the city's major corridors, this guide will walk you through everything you need to know about selling your land note in Bexar County, Texas. From understanding what drives your note's value to knowing what to expect at closing, we'll cover the entire process so you can make a well-informed decision.

The Bexar County Real Estate Landscape and What It Means for Your Note

Bexar County encompasses roughly 1,256 square miles of diverse terrain, ranging from the developed urban core of San Antonio to the rolling Hill Country landscapes on the county's northwestern edge and the flatter, more agricultural land to the south and east. This geographic diversity creates a wide range of land types and property values within the county, and each sub-market has its own characteristics that influence how note buyers evaluate deals.

San Antonio's Growth Engine

San Antonio is the economic engine that drives Bexar County's real estate market. The city is home to multiple military installations, including Joint Base San Antonio, which encompasses Fort Sam Houston, Lackland Air Force Base, and Randolph Air Force Base. The military presence alone supports tens of thousands of jobs and generates billions of dollars in economic activity each year. Beyond the military, San Antonio's economy is powered by healthcare — with institutions like the South Texas Medical Center, University Health System, and Methodist Healthcare — as well as a growing technology sector, a thriving tourism industry centered on the Alamo and the River Walk, and a robust logistics and distribution network fueled by the city's strategic location along Interstate 35 and Interstate 10. All of this economic activity creates sustained demand for land and supports the property values that back your note.

Suburban Expansion and Master-Planned Communities

Like many Texas cities, San Antonio has experienced dramatic suburban expansion, particularly to the north and northwest along the Interstate 10 and Highway 281 corridors. Communities like Helotes, Fair Oaks Ranch, and the area around the Rim and La Cantera have transformed from rural ranchland into bustling suburban centers with new housing, retail, and entertainment options. On the northeast side, communities like Schertz, Cibolo, and Converse have also seen significant growth, though much of Schertz and Cibolo technically fall in Guadalupe and Comal counties. Within Bexar County itself, the growth along Loop 1604 and the ongoing expansion of the outer suburbs continue to push land values upward, particularly for parcels that are in the path of development.

South and East Bexar County — Emerging Opportunities

While the north and northwest parts of the county have historically attracted most of the development attention, the southern and eastern portions of Bexar County are increasingly drawing interest from developers and investors. Areas around the Toyota manufacturing plant on the south side, the new developments along Interstate 37, and communities like Von Ormy and Somerset are beginning to see increased activity. Land values in these areas are generally lower than in the northern suburbs, but the trajectory is positive, and note buyers recognize the long-term potential. If your note is backed by property in south or east Bexar County, you can still get a competitive offer, though the discount may be somewhat larger than for a note in a more established area.

How to Sell Your Land Note in Bexar County, Texas — Step by Step

Selling a land note is a financial transaction, not a real estate transaction, and that distinction matters. You are not selling the property — you are selling your right to receive the future payments that the borrower owes you under the promissory note. The process is straightforward, but knowing what to expect at each stage can help you move through it with confidence and avoid unnecessary delays.

Gathering Your Documents

Before you reach out to a note buyer, it's helpful to gather the key documents related to your note. These typically include the original promissory note, the deed of trust (which secures the note against the property), a payment history or ledger showing all payments received, the title insurance policy from the original transaction, and any correspondence with the borrower. Having these documents organized and ready will speed up the evaluation process and demonstrate to the buyer that the note is well-documented and professionally managed. For a complete checklist, take a look at this resource on documents needed to sell a land note in Texas.

Getting a Quote from a Reputable Buyer

Once your documents are in order, the next step is to contact a note buyer for a quote. A reputable buyer will ask you for the key details of your note — balance, interest rate, payment amount, remaining term, and payment history — along with basic information about the property. Based on this information, they'll provide you with a preliminary cash offer. It's important to work with a buyer who specializes in Texas notes and understands the nuances of the Bexar County market. National brokers and aggregators often lack the local knowledge to properly value notes backed by Texas land, which can result in lowball offers or deals that fall apart during due diligence.

Due Diligence and Title Work

After you accept a preliminary offer, the buyer will conduct due diligence on the note and the property. This includes a title search to confirm that the deed of trust is properly recorded, that there are no competing liens on the property, and that the chain of title is clean. The buyer will also verify the borrower's payment history, typically by contacting the servicing company or reviewing the records you've provided. In Bexar County, the title search process is generally efficient thanks to the county's well-maintained records and the large number of title companies operating in the San Antonio area. The due diligence phase usually takes one to two weeks.

Closing and Getting Paid

Once due diligence is complete, the transaction moves to closing. The closing agent — usually a title company — will prepare an assignment of the note and deed of trust, which you'll sign to officially transfer your rights to the buyer. The buyer will then wire the purchase price to your bank account. The entire process, from first contact to funding, typically takes two to four weeks for a clean, performing note in Bexar County. If the note has complications — such as missing documents, title issues, or payment disputes — it may take longer, but an experienced buyer will work through those issues rather than walking away from the deal.

Factors That Determine the Value of Your Bexar County Land Note

Every land note is unique, and the price a buyer will offer depends on a combination of factors specific to your note and the underlying property. Understanding these factors gives you a realistic sense of what to expect and helps you evaluate whether an offer is fair. For an in-depth look at note valuation, you might find this article on what determines note value in Texas helpful.

Note Terms — Rate, Payment, and Remaining Balance

The financial terms of your note are the starting point for any valuation. A higher interest rate means a better return for the buyer, which translates into a smaller discount for you. The monthly payment amount, the remaining balance, and the number of payments left all factor into the calculation as well. Buyers use these numbers to calculate the yield they'll earn on their investment, and they compare that yield to alternative investments to determine how much they're willing to pay. Notes with standard amortization schedules are generally easier to value and sell than notes with unusual structures like balloon payments, variable rates, or interest-only periods.

Payment History and Seasoning

A note with a strong, consistent payment history is worth more than a note with spotty or inconsistent payments. Buyers want to see that the borrower has demonstrated a pattern of on-time payments over an extended period. The industry refers to this as "seasoning," and more seasoning generally means a higher price for your note. A note with 24 or more months of on-time payments is considered well-seasoned and will typically receive a better offer than a note with only a few months of history. If your borrower has been paying consistently for years, that track record is one of the most valuable assets in the transaction.

Property Value and Location

The current market value of the land securing your note is a critical factor in the buyer's evaluation. A higher property value relative to the note balance means a lower loan-to-value ratio, which reduces risk and increases the note's worth. In Bexar County, property values vary significantly depending on location. A lot in a desirable neighborhood on the north side of San Antonio will appraise differently than a similar-sized lot in a more rural area south of Loop 410. Proximity to major roads, schools, shopping, and employment centers all influence value, as does the land's zoning, utility access, and topography.

Borrower's Creditworthiness

While not every note buyer will pull a fresh credit report on the borrower, the borrower's overall financial health does play a role in the evaluation. A borrower with a stable income, low debt levels, and no recent bankruptcies or judgments is considered a better credit risk, which means the buyer can offer a higher price for the note. If you have any information about the borrower's financial situation — such as their employment status or whether they occupy the property — sharing that information with the buyer can help you get a better offer.

Bexar County Sub-Markets — Where Your Property Sits Matters

Bexar County is a large and diverse county, and the specific sub-market where your property is located will have a meaningful impact on how a note buyer values your deal. Here is a closer look at some of the key sub-markets within the county and what makes each one unique from a note buyer's perspective.

North Side and Hill Country Edge

The northern portion of Bexar County, including areas along Highway 281, Stone Oak, and the communities approaching the Comal County line, represents some of the most desirable real estate in the San Antonio metro. Property values here are among the highest in the county, driven by excellent schools, upscale retail and dining options, and proximity to the Hill Country. Land notes backed by property in this sub-market tend to receive favorable valuations because the collateral is strong and the demand for land in the area remains consistently high. The development activity along the Highway 281 corridor and the expansion of Loop 1604 continue to push values upward.

West Side and Helotes

The western edge of Bexar County, including the city of Helotes and the area around Government Canyon State Natural Area, offers a mix of suburban development and rural acreage. This area has attracted families seeking a quieter lifestyle with relatively easy access to downtown San Antonio. Land values in Helotes and the surrounding area have appreciated considerably over the past decade as the city's growth has pushed westward. Notes backed by property in this sub-market benefit from the area's strong quality of life reputation and the ongoing demand for residential land.

South Side and Somerset Area

The southern portion of Bexar County, including areas around Somerset, Von Ormy, and the land south of Loop 410, has historically been one of the more affordable parts of the county. However, development pressure is beginning to reach this area, with new infrastructure projects, the presence of the Toyota manufacturing plant, and the expansion of Texas A&M University-San Antonio all contributing to rising interest and investment. Land notes in this sub-market may carry a slightly larger discount due to lower property values, but the area's growth trajectory is working in favor of note holders who are patient or willing to sell now to buyers who recognize the long-term potential.

East Side and Converse Area

The eastern portion of Bexar County, including Converse, Kirby, and the area around Randolph Air Force Base, offers a blend of established suburban neighborhoods and newer development. The military presence at Randolph provides a stable economic base, and the ongoing growth of the northeast suburbs has extended into this area. Property values here are moderate compared to the north side, but demand for land is steady, and notes backed by property in this sub-market are generally well-received by buyers who understand the dynamics of military-adjacent real estate markets.

Why Sell to a Direct Buyer Instead of a Broker

When you decide to sell your land note in Bexar County, Texas, you have two basic options: work with a direct buyer or go through a broker. Both approaches can get the job done, but they come with different trade-offs that are worth understanding before you commit.

Direct Buyers Offer Simplicity and Better Pricing

A direct buyer is a company or individual that purchases your note using their own capital. Because there is no middleman, the transaction is simpler, faster, and typically results in a higher net payout for you. Direct buyers make their money from the return they earn on the note over time, not from transaction fees or commissions. This means more of the purchase price goes into your pocket. Longhorn Note Buyers, based right here in San Antonio, is a direct buyer that has been purchasing Texas notes since 2007. We use our own funds to close deals, and our A+ BBB rating reflects our commitment to fair, transparent transactions.

Brokers Add Cost and Complexity

A broker, on the other hand, acts as an intermediary between you and the actual buyer. The broker shops your note to their network of investors, and when they find a buyer, they take a commission or fee for facilitating the deal. This commission comes out of the purchase price, which means you receive less than you would if you had gone directly to the end buyer. Additionally, working through a broker can add time to the process and introduce uncertainty, because the broker needs to find a buyer who agrees to the terms, and that buyer still needs to complete their own due diligence. For a more detailed comparison, check out this article on direct buyers versus brokers for Texas land notes.

Ready to Sell Your Note?

Selling your land note in Bexar County, Texas is a decision that can provide immediate financial relief, reduce your risk exposure, and simplify your financial life. The Bexar County market is strong, and notes backed by local land are in demand from experienced buyers who understand the value of San Antonio-area real estate.

Longhorn Note Buyers has been purchasing promissory notes in Texas since 2007, with more than $46 million in total purchases and a 100% close rate on quoted deals. We are based in San Antonio, which means we know the Bexar County market inside and out. Whether your note is backed by a lot in Stone Oak, acreage near Helotes, or a parcel on the south side, we can evaluate it quickly and provide you with a fair, no-obligation cash offer within 24 hours.

Reach out today by calling (210) 828-3573 or visiting longhornnotebuyers.com to start the process. When you sell your land note in Bexar County, Texas with a trusted local buyer, you get the peace of mind that comes from working with someone who knows the territory and has the track record to prove it.

Frequently Asked Questions About Selling a Land Note in Bexar County, Texas

How much can I get for my Bexar County land note?

The amount you can receive depends on several factors, including the interest rate, remaining balance, payment history, loan-to-value ratio, and the specific location and type of property securing the note. Most performing land notes in Bexar County sell at a discount of 10% to 30% from the remaining balance. Notes with strong payment histories, favorable terms, and collateral in desirable areas will receive offers closer to the higher end of the range. The best way to find out what your specific note is worth is to request a free, no-obligation quote from a reputable Texas note buyer.

Can I sell just a portion of my note instead of the whole thing?

Yes, partial note sales are a viable option for note holders who want to access some cash without giving up their entire income stream. In a partial sale, you sell a specified number of future payments to the buyer and retain the right to the remaining payments after that period. For example, if your note has 120 payments remaining, you might sell the next 60 payments and keep the final 60 for yourself. Partial sales typically result in a smaller total payout than selling the entire note, but they allow you to maintain some future income. You can learn more about this option in our guide on full versus partial land note sales in Texas.

What happens to the borrower when I sell my note?

The borrower's obligations do not change when you sell your note. They will continue to make the same payments, at the same interest rate, on the same schedule. The only difference is that the payments will be directed to the new note holder or their servicing company instead of to you. The borrower will receive a notification informing them of the change in ownership and providing new payment instructions. The borrower does not need to approve the sale, and the transfer does not affect their credit or their rights under the original agreement.

Is Longhorn Note Buyers a direct buyer or a broker?

Longhorn Note Buyers is a direct buyer, which means we purchase notes using our own capital. We are not a broker and we do not shop your note to other investors. When we give you a quote, that quote is backed by our own funds, and our 100% close rate on quoted deals means that if we say we'll buy your note at a certain price, we follow through. This direct approach eliminates the uncertainty, delays, and additional costs that come with working through a broker, and it ensures that you receive the maximum possible payout for your note.

How does the San Antonio military presence affect my note's value?

The military presence in Bexar County is generally a positive factor for note valuation. Military installations like Joint Base San Antonio provide a large, stable employment base that supports consistent demand for housing and land. Communities near military bases tend to have steady property values because there is always a population of service members and civilian employees who need places to live. If your note is backed by property near one of the Bexar County military installations, the stable demand environment can work in your favor by giving note buyers additional confidence in the long-term value of the collateral.