85541 Homes with Owner May Carry New Financing

85541 Homes with Owner May Carry New Financing

Welcome to the charming community of Payson, Arizona, nestled in the heart of Gila County, where the zip code 85541 offers a unique blend of natural beauty and small-town charm. Known for its stunning landscapes, Payson is surrounded by the majestic Mogollon Rim and the Tonto National Forest, making it a haven for outdoor enthusiasts. Whether you enjoy hiking, fishing, or simply soaking in the breathtaking views, this area provides endless opportunities for adventure.

In addition to its scenic allure, Payson is a welcoming community with a rich history and a vibrant local culture. The downtown area is dotted with quaint shops, delightful eateries, and friendly neighbors, creating a warm and inviting atmosphere. Residents enjoy a slower pace of life, with a strong emphasis on community and connection.

For those looking to invest in this idyllic locale, homes in the 85541 area present an exciting opportunity, particularly with the option for Owner May Carry New Financing. This flexible financing option can make homeownership more accessible, allowing buyers to negotiate terms directly with sellers. Whether you're a first-time homebuyer or looking to downsize, this financing option opens the door to a variety of charming properties that reflect the unique character of Payson.

Imagine waking up to the sound of rustling leaves and the crisp mountain air, all while knowing you’ve made a wise investment in a community that feels like home. Explore the possibilities that await in Payson, AZ 85541, where your dream home is just a heartbeat away.

Newest 85541 Homes with Owner May Carry New Financing

$19,900
7079207 MLS
Beautiful 0.19-acre vacant lot in Payson. Located in Tonto Creek Shores and conveniently situated near the Tonto National Forest, with plenty of nearby outdoor recreation including hiking, fishing, and camping

XXXX S Cottonwood #460 Lane Unit -, Payson
$19,900
7079193 MLS
Beautiful 0.18-acre vacant lot in Payson. Located in Tonto Creek Shores and conveniently situated near the Tonto National Forest, with plenty of nearby outdoor recreation including hiking, fishing, and camping.

XXXX S Cottonwood #459 Lane Unit -, Payson
$675,000
7071633 MLS
600 S. Pine Stream - Lot 255 The Rim Golf Club. An extraordinary opportunity to own one of the most remarkable homesites in The Rim Golf Club. At 2.33 acres, Lot 255 is the largest homesite inside the gates of the Club, offering a combination of size, privacy, location, and views that simply cannot be replicated. Ideally positioned between the 8th and 11th holes, the property captures sweeping panoramic views of the surrounding mountains, golf course, and the picturesque pond on Hole 8. The generous acreage provides exceptional flexibility for designing a custom mountain home that takes full advantage of the dramatic setting while maintaining privacy and separation from neighboring properties. With its elevated views, expansive building envelope, golf course setting, and unmatched acreage 600 S. Pine Stream represents a truly one-of-a-kind opportunity within The Rim Golf Club. If you've been waiting for the right homesite to build something exceptional, this may be the one. Immediate building solutions and even owner carry finance options are available.

600 S Pine Strm -- Unit 255, Payson
$99,000
7071128 MLS
Rare GU zoned 1.87 Acre lot that allows up to 5 residential dwellings per lot. Panoramic views through the canyon and of the Mogollon Rim, 3 level building sites with water at the lower end of the lot and power available from top and bottom. There is an additional pad below that you can access from Paint Pony. The lower 2 areas (pads) are accessible from Paint Pony Dr., look for the meter West of Munsee Dr., see the 'cliff' at the top of the hill. Water meter is already installed!

1375 W Munsee Drive Unit 28, Payson
$550,000
7 Beds ⋅ 5 Baths ⋅ 7071112 MLS
Rare three unit opportunity in Payson ideal for a buyer seeking to live in one home while generating income from the others to offset ownership expenses. Situated on a 17,000 square foot lot at approximately 5,000 feet elevation, the property includes three detached manufactured homes on a quiet cul de sac surrounded by mature trees. Unit A: 1 bd, 1 ba with newer HVAC, LVP flooring, stainless appliances, W/D, shed, and covered carport. Unit B: 3 bd, 2 ba with remodeled primary bath, laminate floors, dual pane windows, central heat/air, mini splits, W/D, yard, shed, and shared garage. Unit C: 3 bd, 2 ba with vaulted ceilings, remodeled primary bath, central heat/air, mini splits, tankless water heater, carport, and shared garage. Conveniently located within walking distance to restaurants +

205 S Ponderosa Street, Payson
$750,000
3 Beds ⋅ 2 Baths ⋅ 7069934 MLS ⋅ 2,081 SqFt.
Beautiful Spruce Lam Beam log home with almost 2,100 sq. ft. on 1.61 acres surrounded by tall Ponderosa Pines and large windows showcasing the mountain views. The great room features a gas fireplace with custom log mantel, large windows, and access to the covered composite deck. The home has alder cabinets throughout, beautiful tongue-and-groove ceilings, and spruce accent walls. The spacious Primary Bedroom has an en-suite full bathroom with jetted tub, separate travertine-tiled shower and floors, and a large walk-in closet. The kitchen offers alder cabinets, granite countertops, a large island, RO system, space for a breakfast table, and access to the covered deck. There is also a separate formal dining area. Approximately 2+ years old are the roof, wood floors, carpet, and 50-gallon water heater. New HVAC installed February 2026. South side of home repainted May 2026. The 24' x 30' garage has two walls of floor-to-ceiling quality storage cabinets, plus room for a workbench or freezer and a sink. A 500-gallon grey water tank with electric pump provides water for shrubs and trees. Come sit on the large covered deck, enjoy the mountain views, and take in the cool Rim Country weather.

24 E Saddleback Trail, Payson
$749,000
4 Beds ⋅ 3 Baths ⋅ 7069738 MLS ⋅ 3,334 SqFt.
Don't Miss This Mountain Retreat! Back on market no fault of the home!! Tucked away in the pines yet only 30 minutes from downtown Payson, this stunning 3-story, 5 bedroom, 2.5 bath home is your ticket to escape the valley heat and embrace mountain living. Whether you're looking for a family getaway, a full-time residence, or a turnkey Airbnb investment, this property delivers comfort, space, and incredible lifestyle potential A home built for memories. The main floor offers a spacious primary suite with a cozy fireplace, while vaulted ceilings and a wall of windows flood the living room with natural light and serene forest views. Upstairs you'll find a roomy loft with its own bedroom and full bath, while the finished walkout basement provides two more bedrooms, a half bath.

199 S Greystone Circle, Payson
$1,158,000
9 Beds ⋅ 8 Baths ⋅ 7059923 MLS ⋅ 4,800 SqFt.
The property consists of a 1,800 SF, 3-bedroom/2-bath single-family home, six cabins, and two RV sites. 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
$210,000
7048235 MLS
APPROVED CUSTOM HOME PLANS WITH HUGE GARAGE INCLUDED! Desirable 1+/- acre lot in Chaparral Pines, with Tall Trees, unparalleled home plans included. Sewer tap fee already paid and transfers to buyer. Terrain conveniently slopes to the rear to accommodate custom home with walkout basement. Current home plans approved by Architectural Committee and the Town of Payson convey with the sale. Chaparral Pines is a guard gated golf community offering golf, fitness center, hiking, tennis, multiple pools and a dog park. Buyer must purchase a minimum Trailhead membership from Chaparral Pines Golf Club. Owner/ Agent

1806 E Cliff Rose Drive Unit 839, Payson
$3,295,000
7044954 MLS
Exceptional opportunity to acquire approximately 320 +/- contiguous acres with commanding Highway 87 frontage in the highly desirable Slate Creek / Mount Ord corridor, just south of Payson in Arizona's Rim Country. Rarely does a property of this scale, visibility, and zoning diversity come to market in this region. The site encompasses multiple zoning designations (C2, C1, and GR), providing outstanding flexibility for a wide range of commercial, mixed-use, recreational, and long-term investment concepts. Recreational property, Cabin sites, Nature Preserve, Hiking/Camping, Ranching, Mining, Forest Exchange, etc. C2 zoning supports highway-oriented commercial uses such as retail, office, medical, hospitality, and food and beverage, while C1 zoning allows neighborhood-scale retail and pro fessional services. GR zoning further enhances flexibility with allowances for low-density residential, agricultural, recreational, and specialty rural uses, creating a uniquely versatile entitlement profile across the property. The land offers dramatic Rim Country scenery, featuring varied topography, natural drainage corridors, existing access paths, and sweeping mountain and canyon views. Combined with substantial frontage and visibility along Highway 87, the property is well-positioned for phased development, creative site planning, or strategic land banking in a growing regional corridor. Located in unincorporated Gila County. Buyer to verify zoning, permitted uses, access, utilities, water availability, and development potential.

NKA Highway 87 -- Unit -, Payson
$350,000
3 Beds ⋅ 2 Baths ⋅ 7030286 MLS ⋅ 1,264 SqFt.
SELLER FINANCING AVAILABLE!! Escape to the cool pines with this low-maintenance, lock-and-leave retreat, perfect for a second home or weekend getaway. Featuring clean, modern finishes throughout, this home offers a fresh and inviting interior that's move-in ready. Designed with convenience in mind, the property allows you to spend more time enjoying Rim Country and less time on upkeep. Whether you're seeking a peaceful personal retreat or exploring the option of a long- or short-term rental when you're away, this property offers the flexibility to fit your lifestyle. A great combination of style, simplicity and investment potential, all in a desired location just outside of The Rim Golf Club! This is a twin home with a shared common wall. Seller Financing available for qualified buyer with minimum of 20% down payment - call listing agent for details.

2007 E Thunder Mountain, Payson
$699,000
4 Beds ⋅ 3 Baths ⋅ 7005804 MLS ⋅ 2,812 SqFt.
Partial Seller Financing Available for Qualified Buyers. Welcome Home to Panoramic Mountain Views in the Cool Pines of Payson! Located in the sought-after Elk Ridge subdivision, 601 E Hunter Dr is a spacious 2,812 sq. ft. split-level home built in 2001 that blends comfort with breathtaking mountain scenery. This meticulously maintained 4-bedroom, 3-bathroom residence offers unobstructed vistas of the Mazatzal Mountains from nearly every room. The main level features an open-concept layout with vaulted ceilings, a cozy living room, and a gourmet kitchen equipped with double wall ovens, a glass electric cooktop, and a breakfast bar. The primary suite is a private retreat on the main floor, boasting a walk-in closet, split sinks, a jetted tub, and its own private covered deck. A front sitting room provides the perfect space for a home office or library. The lower level is designed for entertainment or multi-generational living, featuring a large family room and two additional guest bedrooms with Jack and Jill bath access. Step outside to a large, fenced yard that borders undeveloped land, offering ultimate privacy. Space for Toys: Includes a 2-car attached garage plus a 700 sq. ft. "toy garage" workshop area with a roll up door in the backyard. Outdoor Living: Two levels of covered decking to enjoy the cooler summer temperatures and scenic beauty. Modern Comforts: New interior paint, Dual pane windows, reverse osmosis system, balcony sun shades, and a split floor plan. Prime Location: Situated on an elbow lot in the heart of Payson, close to town amenities while maintaining a quiet, rural feel. ***HOME WARRANTY INCLUDED WITH ACCEPTABLE OFFER*** PARTIAL SELLER FINANCING AVAILABLE.

601 E Hunter Drive, Payson
Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.