Park Models: Practical Considerations and How to Choose the Right One for Your Needs

When it comes to comfortable and convenient RV living, park models are gaining popularity for good reason. These semi-permanent RVs offer more space and home-like amenities, making them a great option for seasonal living, retirement escapes, or even full-time residence. But before diving into park model ownership, there are a few important things to know. In this guide, we’ll walk you through practical considerations, how to choose the right park model for your lifestyle, financing options, zoning regulations, insurance, and maintenance tips to protect your investment.

A park model RV (PMRV) is a recreational vehicle designed for long-term placement at an RV park or private property. Typically under 400 square feet, these units are built on a single chassis and must remain towable, though they are often set up in a semi-permanent fashion. Park models are ideal for people who want the flexibility of RV living with the comforts of a small cottage or tiny home.

Before making a purchase, consider these factors to find the best fit:

1. Lifestyle Needs
Think about how you'll use the park model. Is it a weekend getaway, a snowbird retreat, or a full-time home? Your intended use will affect everything from size to layout and features.

2. Layout & Floor Plan
Look for features that match your living style—do you need a full-size kitchen, office space, or guest sleeping area? Lofts are great for storage or extra sleeping quarters but may not be ideal for those with mobility issues.

3. Climate Compatibility
If you’re placing your park model in colder regions, opt for insulated windows, upgraded heating systems, and winterization packages. For warmer climates, look for energy-efficient air conditioning and sun-blocking windows.

4. Aesthetics and Customization
Do you prefer a rustic cabin vibe or a modern minimalist feel? Many manufacturers offer customizable options, including exteriors, cabinetry, appliances, and finishes.

5. Location Matters
Know where you’ll place your park model before purchasing. RV parks may have size limits, design requirements, or restrictions on long-term stays.

Financing a park model differs from standard RV loans or traditional mortgages. Here are your options:

• RV Loans: Some lenders categorize park models as RVs and offer similar loan products. Terms usually range from 10 to 20 years.
• Personal Loans: If the unit doesn't qualify as an RV, a personal loan might be an alternative—though rates may be higher.
• Manufacturer or Dealer Financing: Many dealers (like KunesRV) offer in-house financing with flexible terms tailored for park model buyers.

Pro Tip: Always check if your park model qualifies as an RV to access better loan terms and insurance options.

Park models are not legal in all residential zones, so do your homework before you buy:

• RV Parks & Resorts: These are usually the easiest places to set up your park model.
• Private Land: Check with local zoning ordinances. Some counties allow park models as accessory dwelling units (ADUs), while others may prohibit them entirely.
• Length of Stay Limits: Some campgrounds and municipalities have seasonal or time-based restrictions on how long you can occupy a park model.

Talk to your local planning office to avoid fines, citations, or the hassle of relocating your unit.

Even though park models look like tiny homes, they require specialized RV or mobile home insurance:

• RV Insurance: If it’s titled and registered as an RV, you’ll need comprehensive RV insurance that includes liability, personal property, and weather damage.
• Mobile Home Insurance: If the unit is stationary and more home-like, consider policies designed for mobile or manufactured homes.

Shop around and compare quotes. Insurers may vary widely in how they classify and cover park models.

Like any home or RV, park models require regular maintenance to stay in top shape:

1. Seasonal Prep

• Winterize plumbing if you're in a cold climate.
• Check for water leaks and sealant wear around windows and roofs.
• Inspect heating/cooling systems before each season.

2. Roof & Exterior

• Keep the roof clean and free of debris.
• Recoat or reseal as needed to prevent leaks.
• Wash the exterior and check for signs of rust, rot, or pests.

3. Interior Care

• Clean and inspect appliances regularly.
• Use dehumidifiers in humid regions to prevent mold.
• Keep an eye on flooring and fixtures for signs of wear.

4. Foundation & Anchoring

• If your park model is skirted or set on a pad, check for settling, rodent entry, or water pooling.

Park models offer a unique blend of flexibility, affordability, and comfort. With the right planning—from financing and zoning to maintenance and customization—you can enjoy a low-stress lifestyle in a space that truly feels like home.

At KunesRV, we’re here to help guide you through every step of the park model journey. Whether you’re browsing models, looking for a place to park, or need financing advice, our team is ready to help you make the best choice for your future.

Ready to find your dream park model?

Visit your nearest KunesRV location or browse our selection online to get started.