85541 Homes with FHA New Financing

Welcome to the charming community of 85541, nestled in the heart of Gila County, Arizona. This picturesque area offers a unique blend of natural beauty and small-town charm, making it an ideal destination for those seeking a peaceful retreat or a new place to call home. Surrounded by stunning mountain ranges and lush landscapes, residents enjoy a wealth of outdoor activities, including hiking, fishing, and exploring the breathtaking scenery that Arizona is renowned for.

The real estate market in 85541 is particularly appealing for first-time homebuyers and those looking to invest in property, as many homes qualify for FHA financing. This means that purchasing a home here is not only attainable but also a smart financial decision. With the FHA's flexible lending options, buyers can take advantage of lower down payments and more accessible credit requirements, making homeownership a reality for many.

In addition to its affordability, the community boasts a friendly atmosphere, where neighbors become friends and local events bring everyone together. Whether you're enjoying a weekend farmer's market or participating in seasonal festivities, you'll find that 85541 has a strong sense of community spirit.

If you're looking for a place that combines the serenity of nature with the conveniences of modern living, look no further than 85541. With homes available for FHA financing, now is the perfect time to explore your options and discover the perfect property in this enchanting Arizona locale. Your dream home awaits!

Newest 85541 Homes with FHA 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

$1,250,000

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

$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

$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

$1,699,000

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

$468,900

3 Beds ⋅ 2 Baths ⋅ 7074341 MLS ⋅ 1,562 SqFt.

Beautiful Elk Ridge Home with Privacy & Outdoor Living! Welcome to this beautifully maintained 3-bedroom, 2-bathroom home in the desirable Elk Ridge Subdivision! Offering 1,562 square feet of comfortable living space, this home sits on a corner lot with a fenced yard, mature landscaping, and plenty of privacy. The inviting living room features a gas fireplace, creating a warm and welcoming space to relax and gather. The kitchen offers generous cabinet and counter space, while the home's new carpet adds a fresh feel throughout the living areas. Step outside onto the large covered deck, the perfect spot for morning coffee, outdoor dining, or entertaining while enjoying the peaceful surroundings. The fenced yard is filled with many fruit trees, adding charm and functionality to the outdoor space. A 2-car garage provides convenient parking and storage. With its desirable location, private corner lot, fenced yard, fruit trees, spacious covered deck, and comfortable interior, this Elk Ridge home is ready to welcome you home!

1119 S Mountain View Drive, Payson

$378,000

2 Beds ⋅ 3 Baths ⋅ 7073605 MLS ⋅ 1,436 SqFt.

Majestic Views & Mountain Living at Mountain View Manor! Enjoy breathtaking views overlooking beautiful Green Valley Park from this well-appointed 2-bedroom, 3-bathroom condo. Featuring two spacious master suites, this home offers comfort and flexibility for full-time living or a mountain getaway. The inviting living room features a gas fireplace, creating a warm and cozy atmosphere, while beautiful wood flooring adds timeless character throughout. Step outside onto the deck and take in the stunning park and mountain views--perfect for morning coffee or evening relaxation. A 2-car garage provides plenty of space for vehicles and storage. Located in the desirable Mountain View Manor, this condo offers the perfect combination of comfort, views, and convenient mountain living.

951 W Ensenada Lane, Payson

$275,000

2 Beds ⋅ 2 Baths ⋅ 7073455 MLS ⋅ 1,334 SqFt.

.Welcome home to this clean 2-bedroom, 2-bathroom residence designed for comfortable, low-maintenance living. Inside, the spacious owner's suite features a private ensuite bathroom complete with a separate walk-in shower and a Grecian soaking tub. The chef-friendly kitchen comes equipped with a dedicated cooktop, built-in wall oven, and a functional peninsula. Everyday convenience is made easy with a large laundry room offering extra room for storage and organization. Step outside to unwind on the screened-in patio overlooking a beautiful seasonal creek with serene year-round views, complete with a 1-car attached garage for secure parking and extra storage.

1103 W Birchwood Road, Payson

$859,000

3 Beds ⋅ 2 Baths ⋅ 7073440 MLS ⋅ 1,680 SqFt.

HORSE LOVERS DON'T MISS THIS ONE!!This spacious 3-bedroom, 2-bath manufactured home on NON HOA 1.22 acres in Payson offers horse owners the perfect blend of comfortable living space and land to support your equestrian lifestyle. With the thoughtfully designed interior and generous outdoor acreage, this property delivers the room and flexibility you need for both family life and your animals. Inside, the home provides three well-proportioned bedrooms and two bathrooms, all custom painted, creating a practical layout that accommodates everyone comfortably. The open floor plan offers plenty of space for daily living, with room to spread out, entertain, and enjoy the peace that comes with rural property ownership. Offering nice windows and decks connecting you to the surrounding landscape and creating a warm, welcoming atmosphere year-round. Property offers an oversized 3 bay garage with extended height for lift system or change the door to make the 3rd bay an RV garage.Don't miss the little studio or office room in the back of the garage with great windows for lighting. You don't want to miss the possibilities of this garage/man cave. The true value of this property lies in its impressive 1.22-acre lot, giving you ample space for horses, outbuildings, pen, toys and more. Property offers stables/covered stalls for your horses to escape the weather and still room for your horses to graze and roam, this lot size provides the freedom and flexibility that serious horse owners require. The expansive outdoor space also offers privacy, room for outdoor projects, gardening, or simply enjoying the open Arizona skies, sit on your back porch and enjoy the views of the Granite Dell Mountains. Location is easy accessible and convenient to the center of town. The combination of usable land, comfortable living space, and a location that supports an equestrian lifestyle makes this home a rare find for buyers seeking both practicality and potential. (Seller also has the adjacent lot available for purchase giving you the space to build the infrastructure your horses need while enjoying a home that offers modern comfort and convenience. This is an opportunity to secure acreage and a move-in-ready home in one package, ideal for horse owners who want to establish or expand their equestrian setup without compromise. Come see it & walk the property, envision your plans, and see firsthand how this home and land can support the lifestyle you've been working toward.

1211 N Heather Circle, Payson

$559,900

3 Beds ⋅ 3 Baths ⋅ 7072524 MLS ⋅ 1,928 SqFt.

Pride of ownership in this spacious custom built home in the beautiful mountain community of Payson, AZ can now be yours! The main level features a bright and open living room, dining area, breakfast bar, kitchen, 1/2 bathroom, large main bedroom & main bathroom with dual vanity, soaking tub and shower and large laundry room with utility sink. The lower level has it's own exterior access, 2 bedrooms, full bathroom, family room, storage room and additional closet space. Both the main level and lower level have their own covered porch/deck areas. Views of the Mazatzals from the main level are awesome! Don't miss the large workshop/craft/storage room on the East side of the home! This is a great opportunity for a primary, second home! Close proximity to shopping, dining& park

206 N Stagecoach Pass, Payson

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