85541 Homes with Conventional New Financing

85541 Homes with Conventional New Financing

Welcome to Payson, Arizona, a hidden gem nestled within the stunning landscapes of Gila County, ZIP code 85541. Known for its breathtaking natural beauty, this charming city offers a unique blend of outdoor adventure and small-town warmth, making it an ideal place to call home.

Payson is surrounded by the majestic Tonto National Forest, providing residents with endless opportunities for hiking, fishing, and camping. The vibrant community hosts a variety of events throughout the year, including the popular Payson Rodeo, which showcases the rich Western heritage of the area. With its picturesque views, mild climate, and friendly atmosphere, it’s no wonder that many are drawn to this enchanting locale.

For those considering a move to Payson, the housing market is thriving with options that cater to a wide range of buyers. Homes in the 85541 area are not only charming but also come with the added benefit of conventional new financing options. This means that whether you’re a first-time buyer or looking to invest, you can find a suitable property that fits your budget and lifestyle.

Imagine waking up to the serene sounds of nature, with the stunning Mogollon Rim as your backdrop. Whether you’re seeking a cozy cabin, a modern family home, or a spacious lot to build your dream retreat, Payson has it all. Experience the perfect blend of tranquility and adventure in this beautiful Arizona town, where your dream home awaits! Come explore the possibilities in Payson, and discover why so many are choosing to make this vibrant community their home.

Newest 85541 Homes with Conventional New Financing

4 Beds ⋅ 2 Baths ⋅ 7061144 MLS ⋅ 1,152 SqFt.

Discover mountain living at its finest in the highly desirable Woodland Meadows community of Payson. Nestled among towering pines on a quiet cul-de-sac, this beautifully maintained home offers the peaceful lifestyle you've been dreaming of--where cool mountain air replaces triple-digit temperatures and local deer are frequent visitors right outside your back door. Just 90 minutes from the Valley, this home is the perfect full-time residence, weekend retreat, or summer escape. Spend your mornings on the back patio with coffee as wildlife wanders through the neighborhood, and your evenings enjoying crisp mountain air beneath Arizona's stunning star-filled skies. Inside, you'll find a thoughtfully designed floor plan with spacious living areas, abundant natural light, and numerous updates.

124 S Birchwood Circle, Payson

5 Beds ⋅ 3 Baths ⋅ 7061119 MLS ⋅ 2,587 SqFt.

Enjoy breathtaking views from this versatile 2.2-acre horse property featuring a 2,587± sq. ft. home with a private guest house and an attached 3-car garage. The main home offers a split floor plan with 3 bedrooms and 2 baths, including a spacious primary suite with an en-suite bath, separate tub and shower, and private access to the covered patio. The great room features custom Mesquite wood flooring and opens to a well-appointed kitchen with granite countertops, gas range, pantry, center island, and breakfast bar. The attached guest house has its own private entrance and includes 2 bedrooms, 1 bath, a family room, and a kitchenette with refrigerator, stove, and microwave--ideal for guests or multi-generational living. Outside you'll find a horse pen, a dog run, room for RV parking and all your toys, plus plenty of space to enjoy the beautiful surroundings. The spacious 3-car garage provides ample room for vehicles, storage, or workshop space. Two separate A/C units provide independent comfort for the main home and guest house.

1905 N Conifer Circle, Payson

4 Beds ⋅ 4 Baths ⋅ 7060959 MLS ⋅ 2,270 SqFt.

Looking for a spacious home with a massive hangar that can accommodate just about anything? This one-of-a-kind property features a 2,270 sq. ft., 4-bedroom, 4-bath home situated on over half an acre, along with an impressive 2,860 sq. ft. hangar/garage designed to meet all your aviation, storage, workshop with half bath, or hobby needs. Workshop with 1/2 bath in hanger not included in sq.ft. For aviation enthusiasts, this property offers the rare opportunity to taxi your personal aircraft directly from the hangar to the runway. Both the home and hangar are built with ICF (Insulated Concrete Form) construction, offering exceptional durability, energy efficiency, sound insulation, and long-term performance. The oversized paver driveway provides ample parking, with additional space along the side and rear of the property for multiple trailers, RVs, or extra vehicles. Enjoy 3 patios, covered and uncovered plus a large yard that's perfect for entertaining, gardening, or pets. Inside, you'll appreciate the tall ceilings, granite countertops, a spacious kitchen island, and an open, inviting floor plan. The generous primary suite offers private access to the back patio. The home's layout includes three bedrooms on the main level, one bedroom with en-suite bathroom upstairs, plus a separate office, providing flexibility and plenty of room for family or guests

1507 W Mooney Parkway, Payson

3 Beds ⋅ 2 Baths ⋅ 7060556 MLS ⋅ 1,344 SqFt.

This charming 3 bdrm, 2 bath home is situated in the heart of Payson on a spacious .028 acre lot in a quiet, established neighborhood. The property includes a detached 2-car metal garage and offers plenty of potential for the right buyer. With a little TLC, this home can be transformed into a beautiful residence again. Whether you are an investor looking for your next project or a homeowner ready to add your personal touch, this property is full of opportunity. Don't miss this chance to own a great property in a desirable location with endless possibilities!

504 W Johnson Drive, Payson

3 Beds ⋅ 2 Baths ⋅ 7060149 MLS ⋅ 1,632 SqFt.

Check out this gorgeous single family home just listed in the highly desirable Trailwood Community in Payson! HUGE corner lot, Single Story Home, No Interior Steps, 2 Car Garage, Closed-In Front Porch, Granite Kitchen Countertops, Stainless Steel Appliances, Gas Range, Newer HVAC, Rustic Pellet Stove, 9 Foot Ceilings, Covered Back Deck, Private Backyard, New Automated Front Drip System, Plenty of Storage and so much more! No HOA! Home has been meticulously maintained. Starlink Internet Equipment is paid in full and conveys with the sale. Optional monthly rate of approx. $120/mth. Murphy Bed in the second bedroom conveys. Vacant and available to show anytime! This home is a must see!

307 N Lakeshore Road, Payson

3 Beds ⋅ 3 Baths ⋅ 7060043 MLS ⋅ 2,304 SqFt.

Mountain Views • Private Setting • Flexible Living Space Nestled in one of Payson's most desirable neighborhoods, this beautifully maintained mountain home offers the perfect combination of privacy, comfort, and spectacular views. Surrounded by custom homes and abundant wildlife, you'll enjoy peaceful mornings with elk wandering through the neighborhood and breathtaking sunrises and sunsets from both the front and rear decks. The home features 2,304 square feet with 3 bedrooms and 3 full bathrooms on a generous 0.47-acre lot. The upper level serves as the primary living area with an open, warm mountain-cabin feel highlighted by tongue-and-groove pine throughout. The lower level includes a private bedroom, full bath, family room, and separate entrance--ideal for guests, extended family, a home office, or multigenerational living.

1103 S Stewart Pocket Circle, Payson

3 Beds ⋅ 2 Baths ⋅ 7059967 MLS ⋅ 1,485 SqFt.

Views and Privacy. Single level home that backs to undeveloped land. Enjoy the composite covered back deck while gazing at the mountains. Kitchen has stainless steel gas range, refrigerator, and dishwasher. Wood floors in kitchen plus an island. Roof was replaced approx. 6 months ago. Primary bedroom has a slider door to the covered back deck, double sinks and large walk-in closet.

621 E Phoenix Street, Payson

3 Beds ⋅ 2 Baths ⋅ 7059935 MLS ⋅ 1,456 SqFt.

Move right into this immaculate 3-bedroom, 2-bath home in the heart of Payson! Designed with a desirable split floor plan and an open great room concept, this home offers comfortable living with plenty of space to entertain. The spacious kitchen features a breakfast bar, two pantries, and abundant cabinet storage, making it the perfect gathering place for family and friends. Enjoy Payson's beautiful weather from the welcoming covered front porch or relax on the large covered back patio overlooking the expansive fenced backyard. The property also includes multiple outbuildings, a separate workshop or craft room, and a carport, providing plenty of space for hobbies, storage, and outdoor living. This move-in-ready home has been exceptionally maintained and features numerous major upgrades, including a new A/C and furnace (2016), replumbed with PEX (2018), new flooring throughout (2019), a new roof (2023), and a new water heater (2025), offering peace of mind for years to come. Furniture is negotiable, making this an outstanding opportunity whether you're looking for a full-time residence or a mountain getaway. Don't miss this beautiful Payson property with room to live, work, and play!

613 W Arabian Way, Payson

3 Beds ⋅ 2 Baths ⋅ 7059923 MLS ⋅ 1,800 SqFt.

HIGH PERFORMING OPPORTUNITY - 8 current units on 2.7 acres, priced under $150K per door at a 7.5 CAP. This high performing property includes an 1,800 sf rental house with a 850 sf deck overlooking the Rim plus 6 additional STR cabins and a full hookup RV spot, with room on the land to expand further.

1075 E Ranch Road, Payson

3 Beds ⋅ 2 Baths ⋅ 7059757 MLS ⋅ 1,344 SqFt.

Views! No HOA! Vacation Rentals Allowed! Large front yard with parking room for your RV and all of your toys. Tucked in a very quiet Payson neighborhood, this Completely updated home home on a mountainside is ready to be your mountain town dream. Enjoy Fantastic views of the Mogollon Rim from a large wrap around deck. The North facing deck is large enough for outdoor patio furniture, gas fire pits, outdoor dining, BBQ and Smoker This 3 bedroom 2 bath home has many updated features: New roof 2024, New Commercial grade Luxury Vinyl flooring, Kitchen Cabinets, Baseboards and trim, Painted inside and out in 2026. Updated tile Shower on second floor, Newer backsplash and industrial shelving in the kitchen. Wide 2 car garage with workspace. Storage shed on the side. Owner is a licensed realtor in the state of Arizona.

313 E Pine Street, Payson

2 Beds ⋅ 2 Baths ⋅ 7059637 MLS ⋅ 966 SqFt.

Rare opportunity to own an affordable home on its own lot in town, no space rent or RV park! Nestled among beautiful tall pines, this well-maintained 2-bedroom, 2-bath home offers 966 square feet including a site-built addition for added space and functionality. Recent improvements include a new metal roof, new flooring throughout, fresh interior paint in the addition, exterior paint and a newer HVAC system installed in 2017. Enjoy the peaceful .15-acre fenced lot with room to relax on the front or back patio while you appreciate the mountain setting. Just minutes from local shopping, dining, and outdoor recreation. Whether you're looking for a full-time residence, weekend retreat, or investment property, this home offers exceptional value in a desirable in-town location.

215 E Airline Boulevard, Payson

3 Beds ⋅ 1 Baths ⋅ 7059510 MLS ⋅ 1,188 SqFt.

Charming farmhouse-style retreat on a private, oversized lot in Star Valley! Tucked behind a fenced and gated entry, this eye-catching home features a vibrant blue metal roof, dormer windows, and a covered front porch with classic white columns. Inside, rich cherry cabinetry, granite countertops, and stainless steel appliances make the kitchen a standout, flowing effortlessly into an open dining and living area with warm wood-look flooring throughout. main level spacious primary suite offers private patio access, The updated bathroom shines with a jetted tub and elegant fixtures. while additional bedrooms upstairs boast vaulted ceilings and charming dormer nooks perfect for an office or reading corner. Step outside to your own private oasis paver patio, artificial turf play areas, and a detached workshop/garage with its own metal roof, all set on a spacious lot with mature trees for ultimate privacy that provides plenty of room for all the toys. Whether you're entertaining, relaxing, or working on your next project, this backyard has it all. Move-in ready with designer touches throughout, this is the perfect blend of comfort, character, and space.

10 E Mars Lane, Payson

Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.