Payson Homes with Cash New Financing

Payson Homes with Cash New Financing

**Discover the Charm of Payson, Arizona: Your Ideal Home Awaits!**

Nestled in the heart of Gila County, Payson, Arizona, is a hidden gem that offers a unique blend of natural beauty and small-town charm. Surrounded by the stunning landscapes of the Mogollon Rim, this picturesque town is renowned for its breathtaking mountain views, lush forests, and abundant outdoor recreational opportunities. Whether you’re an avid hiker, a fishing enthusiast, or simply someone who enjoys the serenity of nature, Payson has something for everyone.

The community boasts a warm, welcoming atmosphere, making it an ideal place for families, retirees, and anyone looking to escape the hustle and bustle of city life. With a rich history and a vibrant local culture, residents can enjoy various events throughout the year, from the Payson Rodeo to local art fairs. The town's charming downtown area features unique shops, delightful eateries, and friendly locals, creating a sense of belonging that is hard to find elsewhere.

If you’re considering making Payson your home, you’ll be pleased to know that many properties are available with cash new financing options. This flexibility opens the door for buyers to secure their dream home in this idyllic setting without the constraints of traditional financing. Whether you’re looking for a cozy cabin in the woods or a modern home with stunning views, Payson’s real estate market has something to fit every lifestyle and budget.

Explore the possibilities and let Payson, Arizona, be the backdrop for your next chapter. Your dream home is waiting!

Newest Payson Homes with Cash New Financing

$499,900
3 Beds ⋅ 2 Baths ⋅ 7078801 MLS ⋅ 1,600 SqFt.
Welcome to this well-maintained three-bedroom, two-bath home in Trailwood, a desirable community in the heart of Payson. Offering approximately 1,600 square feet, the home features a spacious living and dining area with vaulted ceilings and a cozy gas fireplace. The updated kitchen includes all appliances and a convenient pass-through that keeps you connected with guests while cooking and entertaining. The primary suite features a vaulted ceiling, a generous walk-in closet with built-in storage, and a beautifully remodeled en-suite bathroom with dual vanities and a spacious walk-in shower. An adjoining private retreat provides versatile bonus space for a home office, reading nook, or hobby area. Two additional bedrooms, a guest bathroom, and a laundry room with a utility sink complete the interior. The oversized two-car garage includes a workbench and additional storage. Outside, the covered patio opens to a spacious yard with mature pine trees, multiple sitting areas, low-maintenance artificial turf perfect for pets or play, an RV gate, and a storage shed. An existing 220-volt electrical connection offers the option to add a spa and create your own relaxing backyard retreat.

310 N Mogollon Trail, Payson
$320,000
2 Beds ⋅ 2 Baths ⋅ 7078760 MLS ⋅ 1,188 SqFt.
Welcome to this light and bright 2-bedroom, 2-bathroom condo offering approximately 1,188 sq. ft. of comfortable living space. Both bedrooms are generously sized, with the primary suite featuring a walk-in closet and an upgraded bathroom with granite countertops, updated cabinetry, and a beautiful new shower. The kitchen features granite tile countertops and a newer electric range. Beautiful luxury vinyl plank flooring throughout provides a warm, updated feel. Additional updates include a new heat pump in June 2025 and a newer water heater and a whole-house water filtration system. Enjoy an easy-care lifestyle in a desirable location within walking distance of beautiful Green Valley Park and its lakes. Golf enthusiasts will appreciate being close to the Payson Golf Course, while the surrounding area offers plenty of opportunities to enjoy the outdoors. This condo is a wonderful opportunity to enjoy easy comfortable living in Payson.

929 W Madera Lane, Payson
$475,000
3 Beds ⋅ 2 Baths ⋅ 7078322 MLS ⋅ 2,000 SqFt.
Mountain Modern Charm Meets Panoramic Mogollon Rim Views Perched on one of Payson's premier view lots, this character-rich 1963 rock and adobe brick residence seamlessly blends Mid-Century architecture with authentic mountain living. Frame every season against breathtaking backdrops of Green Valley Park, Green Valley Lake, and the majestic Mogollon Rim--whether watching autumn leaves shift, crisp winter snowfalls, vibrant spring blooms, or cool summer sunsets. Upper-Level Living & Entertaining Great Room: Soaring vaulted, wood-beamed ceilings, an expansive wood-burning fireplace, and massive picture windows that flood the room with natural light. Outdoor Deck: A giant elevated deck opening directly off the main living area, perfect for year-round morning coffee, crisp alpine air, and sunset gatherings. Formal Dining: An architectural focal point wrapped in rich adobe brick texture, featuring its own cozy wood fireplace and sweeping window views. Galley Kitchen: Functional and well-appointed with wood cabinetry, a dedicated pantry, and full appliances, plus stepless rear entry access for easy grocery trips. Bedrooms & Bath: Two light-filled upstairs bedrooms, a full bathroom, and a dedicated laundry area complete with washer and dryer. Flexible Lower-Level Retreat Private Suite: A massive downstairs bedroom suite featuring a private entrance, dedicated bathroom, durable tile flooring, and a third warming fireplace--ideal for an primary suite, guest quarters, or high-yield rental space. Covered Patio: Walk directly out from the lower level to a shaded outdoor sanctuary. Exterior & Property Highlights Workroom & Parking: Enclosed single-car space currently optimized as a custom workshop (fits a compact vehicle), complemented by a seamless circular driveway off Rim View Rd. Bonus Storage: Detached backyard shed featuring vaulted overhead storage for gear, tools, and outdoor toys. Efficiency & Freedom: Fully electric home powered by a central heat pump, free from any HOA restrictions or fees. An unrepeatable piece of Payson heritage offering true four-season mountain lifestyle just minutes from town trails and lakes.

901 W Rim View Road, Payson
$1,048,000
5 Beds ⋅ 3 Baths ⋅ 7078120 MLS ⋅ 3,505 SqFt.
Welcome to this beautiful private mountain retreat, perfectly situated on approximately one acre in the desirable Manzanita Hills neighborhood of Payson. Showcasing unobstructed mountain views, a large fenced yard, and approximately 3,500 square feet of comfortable living space, this impressive residence offers five bedrooms, three bathrooms, a spacious family room, and an oversized three-car garage. Step inside the inviting great room, where engineered wood flooring, a wood-burning fireplace, and dramatic vaulted tongue-and-groove ceilings create warmth and classic mountain character. Numerous windows fill the home with natural light while beautifully framing the surrounding scenery. Designed for both everyday living and entertaining, the well-appointed kitchen features granite ... counter tops, a breakfast bar, center island, custom maple cabinetry with soft-close drawers and rollout shelving, and a Café six-burner range with a warming feature. Exceptional storage and thoughtful functionality make this kitchen the heart of the home. The spacious primary suite is a private retreat, complete with a thermostatically controlled gas fireplace and an impressive en-suite bathroom featuring a jetted soaking tub, travertine walk-in shower, raised sinks, and separate closets. A second main-level bedroom features hardwood flooring, sliding glass doors leading to the covered deck, and beautiful mountain views--making it equally well suited as a home office or den. The main level also includes a generously sized third bedroom, a full guest bathroom, and a spacious laundry room with custom cabinetry, ample counter space, and a utility sink. Downstairs, a generous family and recreation room offers additional space for entertaining, relaxing, and gathering with family and friends. Complete with a pool table, abundant natural light, and direct exterior access to a covered outdoor area, this level also includes two large bedrooms and a full bathroom--ideal for guests, multigenerational living, or a private secondary living space. Outdoor living is equally inviting, with covered decks overlooking the mountain surroundings, an expansive fenced yard, and a greenhouse for gardening enthusiasts. Offering classic mountain character, generous indoor and outdoor living spaces, privacy, and exceptional Payson views, this home is truly a must-see. The roof, water heater, main-level HVAC system, and numerous additional features have been replaced or upgraded within the past six years. Ask for the complete list of improvements.

401 N Whitetail Drive, Payson
$1,250,000
5 Beds ⋅ 4 Baths ⋅ 7077917 MLS ⋅ 3,411 SqFt.
Tucked behind the gates of one of Payson's most exclusive communities, home to just 20 residences, this five-bedroom, three-and-a-half-bath estate plus two additional flex spaces sits on over an acre lot and delivers hard-to-find privacy and craftsmanship, backed by the peace of mind of a brand-new roof. Throughout the home, hand scraped wood floors, newer carpet, crown molding, and 7 inch baseboards create a polished, cohesive feel, while a whole-home intercom, central vacuum system, laundry chute, custom closets in every room, wooden blinds, and pull-out storage in the cabinetry add everyday convenience you won't find in a typical build. A circular driveway leads to the three-car garage, which is wired for surround sound, while a covered front porch welcomes you into a spacious foyer. The arched, stone-accented entryway opens into a living room anchored by wood beams, vaulted ceilings, and a gas fireplace with a stone surround and blower, all wired with surround sound for effortless entertaining. The kitchen is the true showstopper, featuring a custom built-in range hood with a decorative paneled front, two-tone cabinetry with white perimeter cabinets and a contrasting island topped with clear glass dome pendants, and a patterned tile backsplash that ties it all together. Marbled quartz countertops, a gas cooktop, built-in microwave and oven, under-cabinet lighting, a Sub-Zero refrigerator, and a farmhouse sink round out this chef-ready space. The adjoining dining area is set beneath a modern sputnik-style chandelier. A home office, spacious additional den, and an updated powder bath offer flexible living for work and everyday life. The primary suite offers a sliding glass door that opens to the covered patio and an electric fireplace that adds warmth on cooler nights. The spa-like primary bath includes a jacuzzi tub, a separate walk-in shower with a rainfall head, and a custom closet. One additional bedroom offers its own ensuite bath, a window nook, and a board-and-batten accent wall with direct backyard access, while the remaining bedrooms share a shared bathroom with double sinks and new faucets, each has its own custom closet. Double doors off the living and kitchen area open to an entertainer's backyard, complete with a covered patio, an extended patio with a built-in BBQ, Viking grill, outdoor fridge, and bar top, turf, a wood fire pit, dog run, irrigated garden, outdoor movie screen, in-ground trampoline, a charming playhouse, plus plumbing already roughed in for a future casita or RV garage. With fresh exterior paint and every detail considered inside and out, this rare gated retreat on over an acre backs directly to the forest, offering direct access to the surrounding wilderness right from your own backyard. This is a home you simply do not want to miss.

1006 W Rock Springs Circle, Payson
$599,900
3 Beds ⋅ 3 Baths ⋅ 7077687 MLS ⋅ 2,168 SqFt.
MOUNTAIN VIEWS & ROOM TO ENJOY! Welcome to 301 S Canpar Way, a beautifully maintained 3-bedroom, 3-bathroom home offering 2,168 square feet of comfortable mountain living. The inviting interior features warm wood flooring, an open living and dining area, and a cozy gas fireplace that creates the perfect gathering space. Large windows bring in natural light while showcasing the surrounding mountain views. The spacious primary suite offers a relaxing retreat, while two additional bedrooms provide plenty of room for guests, family, or a home office. Step outside onto the wrap-around deck and take in the beautiful views and peaceful surroundings--perfect for morning coffee or entertaining. The large 2-car garage includes a 14' x 12' shop area, providing excellent space for hobbies, projects, or extra storage. With its desirable location, mountain views, spacious floor plan, and fantastic garage/shop space, this Payson home is a must-see!

301 S Canpar Way, Payson
$450,000
3 Beds ⋅ 1 Baths ⋅ 7077333 MLS ⋅ 1,459 SqFt.
COMPLETELY REMODELED • SINGLE LEVEL • NO HOA • RV ACCESS • 0.26 ACRE LOT Welcome home to a completely transformed Payson property where you can leave the projects behind and start enjoying the lifestyle you've been looking for! This beautifully remodeled 3-bedroom, 2-bath, 1,459 sq. ft. single-level home offers easy living with no interior steps, a spacious 0.26-acre lot, and no HOA. From the moment you arrive, you'll appreciate the fresh, modern transformation. The home features new interior and exterior paint, new flooring, new interior doors, new siding and trim, a new roof and fascia, new exterior lighting, new plumbing fixtures, new ceiling fans throughout, and all-new appliances--including a matching washer and dryer. The kitchen has a new backsplash, while both bathrooms have been beautifully remodeled with new fixtures and floor-to-ceiling tile. The improvements continue outside with a custom paver driveway and entryway, extensive new hardscape, new Redwood privacy fencing, and a rear ranch-style gate providing RV access. The 354 sq. ft. rear deck has been completely redone, creating an expansive outdoor living space perfect for morning coffee, summer barbecues, entertaining friends, or simply relaxing in the beautiful Payson climate. Comfort is built in with a new 3-ton central heating and air-conditioning system, five new dual-pane windows, and a new dual-pane sliding glass door. Even the crawl space has been upgraded with Water-Barrier underlayment. Need extra space? The 144 sq. ft. detached shed is far more than ordinary storage, with a new roof, stained concrete floor, power, and A/C--perfect for a workshop, hobby room, storage, or creative space. And the location makes everyday living easy. You're conveniently close to schools, shopping, dining, and the new Granite Dells Park Complex and Granite Dells Trailhead, putting recreation and everyday amenities close to home. This is the kind of home that lets you spend your time living instead of renovating. Come see the transformation for yourself--you may have just found your perfect Payson retreat!

809 E Frontier Street, Payson
$25,000
7077098 MLS

TBD S Tonto Creek Dr Lots 387 & 400 -- Unit -, Payson
$575,000
3 Beds ⋅ 2 Baths ⋅ 7076830 MLS ⋅ 1,824 SqFt.
Rare opportunity to own an incredible three-lot property with breathtaking views with a main home and a guest retreat studio in one of the area's most desirable neighborhoods! This unique property offers space, flexibility, and an amazing mountain lifestyle, all while being surrounded by the beauty of the East Verde River community. The main home, 1164 sqft, features 3 bedrooms and 1 bathroom, with a beautifully updated kitchen showcasing new granite countertops, a gas range, kitchen island, and plenty of workspace. Step outside onto the covered deck and take in the spectacular views -- the perfect place to enjoy your morning coffee or relax in the evening. The second building is a 660 sqft studio, no kitchen, with its own bathroom, clawfoot tub, walk-in closet, and covered deck. Whether you're looking for a full-time residence, multi-generational setup, guest accommodations, or a peaceful getaway, this property offers an exceptional combination of homes, land, views, and lifestyle.

1194 W Beaver Flat Road, Payson
$499,900
3 Beds ⋅ 1 Baths ⋅ 7076385 MLS ⋅ 1,653 SqFt.
An amazing workshop/man cave that just happens to have a turnkey 3/2 upgraded home attached! This Rim Country property features recent upgrades throughout. A complete primary suite renovation in 2025 boasts tray ceilings, plantation shutters, barn door walk-in, and a 6' snail shower. Walk out onto your peaceful covered full length rear deck in the mountain air, or enjoy inside the open and functional floorplan with 10' ceilings, crown molding throughout, and a custom gas fireplace! The kitchen is accented with a bay window for eat-in or sitting, and a breakfast bar. All newer appliances & an abundance of cabinet & counter space. The RV gate opens to an extra wide RV or toy pad with retaining wall and a separate clean-out. Or you can drive your SxS around to the walk-in basement workshop/man-cave and park under the rear deck. There is abundant protected storage here indoors and out! The garage has wall and ceiling storage, freezer pocket, utility sink, and central vac for the whole house or garage. Owner is a licensed agent in AZ.

305 N Mogollon Trail, Payson
$1,250,000
3 Beds ⋅ 3 Baths ⋅ 7076306 MLS ⋅ 2,292 SqFt.
TURTLE ROCK HOME WITH VIEWS! Perched above it all on 2.19 acres, this exceptional 3-bedroom, 3-bath home offers 2,292 sq. ft. of thoughtfully designed living space and breathtaking 360-degree views of the Mogollon Rim, Boulders, Granite Dells, and surrounding mountains. The main level features a spacious living room with a gas fireplace, a well-appointed kitchen, and a beautiful primary suite complete with two walk-in closets, double sinks, a jetted tub, private toilet room, and separate shower. Upstairs, you'll find two additional bedrooms, guest bathroom, and a loft with a wet bar, providing plenty of space for family and guests. An unfinished 728 sq. ft. basement offers endless possibilities for additional living space, storage, a workshop, or hobbies. Step outside and take in the spectacular surroundings from the wrap-around decks and multiple patios, or gather around the fire pit and enjoy the peaceful setting. With backyard access to nearby hiking trails, outdoor adventure is right at your doorstep. The property is equally impressive when it comes to garage and workspace accommodations, featuring an attached 3-car garage PLUS a detached 805 sq. ft. garage/shop. The detached building includes a shop/office on one side and a garage bay with an 11,000-lb. vehicle lift on the other--perfect for car enthusiasts, hobbyists, or anyone needing additional workspace. A 3-zone geothermal heating and cooling system provides efficient year-round comfort. With expansive views, 2.19 acres, exceptional garage and workshop space, versatile living areas, and direct access to the outdoors, this is truly a one-of-a-kind Turtle Rock property.

1409 E Phoenix Street, Payson
$1,699,000
4 Beds ⋅ 5 Baths ⋅ 7075642 MLS ⋅ 4,520 SqFt.
Mountain luxury meets golf-course living in the prestigious, gated Chaparral Pines. Enter through the 24/7 guarded gates and wind through the towering Ponderosa pines to this beautifully appointed 4-bedroom, 5-bath home overlooking the 12th fairway of the private Golf Club at Chaparral Pines. Offering over 4,500 square feet on a 0.39-acre golf-course lot, the home features gorgeous walnut floors, tall ceilings, custom shutters throughout and expansive wraparound patios on both the main and lower levels. The gourmet kitchen showcases custom cabinetry, Carrera marble countertops, Wolf gas stove and microwave, Sub-Zero fridge, and a walk-in pantry with a coffee bar, wine refrigerator, and abundant storage. The main level includes a luxurious primary suite with a large walk-in closet and spa-like bath with a jetted soaking tub, separate shower, and dual vanities. A second ensuite bedroom, powder room, laundry room, and an enclosed heated Arizona room complete the main level. The upstairs suite is home to the 3rd bedroom, bathroom, and private patio. Downstairs boasts stained concrete flooring throughout and offers incredible flexibility. Enjoy a large entertainment area with a built-in media center, kitchenette, private laundry, and two additional rooms with a second kitchenette of their own, all opening to a patio overlooking the golf course. Recent 2026 updates include a brand-new roof, fresh exterior and deck paint, and a Tesla EV charger installed in the garage. Only 90 minutes from the valley, enjoy this refreshing mountain climate, typically 20-25 degrees cooler. Chaparral Pines offers an award-winning private 18-hole championship golf course, an 8-acre recreation complex with a fitness center, heated pool and spa, tennis, pickleball & basketball, miles of private hiking trails, an on-site lake & guarded entry. Golf and sports memberships are available separately. Come experience the privacy, beauty, and exceptional lifestyle of Chaparral Pines!

2201 E Grapevine Drive, Payson
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