Payson Homes with Conventional New Financing

Payson Homes with Conventional New Financing

Welcome to Payson, Arizona – a hidden gem nestled in the heart of the majestic Mogollon Rim. Known for its breathtaking landscapes, Payson is a picturesque town that offers a perfect blend of outdoor adventure and small-town charm. With a population of just over 15,000, this vibrant community is surrounded by stunning pine forests, sparkling lakes, and an abundance of wildlife, making it an ideal destination for nature enthusiasts and those seeking a tranquil lifestyle.

Payson is not only a haven for outdoor activities like hiking, fishing, and camping, but it also boasts a rich cultural scene with festivals, art galleries, and local dining experiences that celebrate the unique spirit of the Southwest. The town's mild climate allows residents to enjoy all four seasons, making it a year-round paradise.

For those looking to call Payson home, the real estate market offers a variety of options, including homes that qualify for conventional new financing. Whether you’re seeking a cozy cabin in the woods, a modern family home, or a charming cottage, Payson has something to suit every taste and budget. The availability of conventional financing options makes it easier than ever for potential homeowners to invest in this beautiful area and enjoy the benefits of living in such a welcoming community.

Discover the allure of Payson, where stunning natural beauty meets a vibrant lifestyle. Explore the possibilities of making this enchanting town your new home, and experience the warmth and hospitality that make Payson truly special. Your dream home awaits amidst the pines!

Newest Payson Homes with Conventional New Financing

$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
$564,900
3 Beds ⋅ 2 Baths ⋅ 7075488 MLS ⋅ 1,764 SqFt.
Welcome to a rare opportunity offering nearly ½ acre (.476 acres) of fully usable, fully fenced property with incredible parking, RV access, a permitted shop, and endless possibilities! Spacious 1,764 sq. ft. single-family home features 3 bedrooms and 2 full bathrooms, along with a comfortable living room featuring a wood-burning fireplace with a recently cleaned chimney, ready for use. The home has been freshly painted and offers central heating and air conditioning, a laundry/utility room, and a welcoming entry. The home also features newer (2026) windows and sliding doors, including a convenient doggie door. Providing incredible functionality and space, both front and back yards are fully fenced, with 3 RV gates in the front and a massive 20-foot RV gate providing easy access to the backyard. Bring your RVs, motorhomes, boats, trailers, off-road toys, and equipment! A 30' x 30' permitted shop provides an outstanding workspace and includes two 12' x 10' roll-up doors and a 15,000-pound vehicle lift, delivering exceptional versatility for automotive enthusiasts, hobbyists, contractors, or those needing serious workspace at home. The backyard also features RV hookups with power and sewer connections. A 40-foot High Cube Connex container provides substantial additional storage, while the expansive flat lot offers countless possibilities for additional parking, recreation, projects, or equipment storage. Enjoy outdoor living under the new approximately 42-foot covered back patio, a fantastic space for entertaining, relaxing, or enjoying Payson's beautiful weather. Additional improvements include a new 225-amp electrical panel, with the rear portion of the home re-roofed within the past year. A carport provides additional covered parking and includes outdoor storage, a storage closet, and a utility area. Connected to city water, sewer, trash, and utilities, this property combines the convenience of in-town living with the freedom and space that nearly half an acre provides. Conveniently located near shopping and highways while also being close to hiking, camping, and outdoor recreation.

323 W Roundup Road, Payson
$399,000
2 Beds ⋅ 1 Baths ⋅ 7075072 MLS ⋅ 965 SqFt.
VIEWS... VIEWS... VIEWS - FULLY REMODELED. Overlooking East Verde Park, this hilltop cabin sits on 1.10 acres backed up to the National Forest. There are 5 lots included, 2 of which are buildable giving plenty of room to add your dream home and turn this cabin into a guest suite. Fully Remodeled with a front and back deck so views all around. New kitchen and appliances, new bathroom, all new flooring and paint, new A/C unit, artificial turf and Trex decking for long lasting with no maintenance. Laundry room outside with storage off of back deck. Enjoy relaxing along the East Verde River that is within walking distance from the home. This property has an internet pole on the back of lot 1 that provides internet to East Verde Park and has a contract to pay the seller monthly.

234 W Kings Drive, Payson
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