85541 Homes with Waterfront Lot Lot Features

85541 Homes with Waterfront Lot Lot Features

Welcome to the picturesque charm of Payson, Arizona, nestled in the heart of Gila County and enveloped by the stunning landscapes of the Mogollon Rim. The zip code 85541 is more than just a number; it represents a vibrant community where nature and comfort harmoniously intertwine. Known for its breathtaking mountain views, lush forests, and serene lakes, Payson is the perfect retreat for those seeking a peaceful lifestyle away from the hustle and bustle of city life.

One of the standout features of homes in this area is their access to waterfront lots. Imagine waking up each morning to the gentle sound of water lapping against the shore, surrounded by the beauty of nature. These waterfront properties offer not just a home, but a lifestyle rich in outdoor activities. Whether you enjoy fishing, kayaking, or simply relaxing by the water with a good book, living on a waterfront lot in Payson allows you to embrace the great outdoors in your own backyard.

The homes in this area showcase a variety of architectural styles, each designed to complement the stunning natural surroundings. Many properties boast expansive decks and patios perfect for entertaining or enjoying a quiet evening while soaking in the picturesque views. With a close-knit community feel and a plethora of recreational opportunities, 85541 is an ideal location for families, retirees, or anyone looking to escape to the tranquility of Arizona’s high country.

Discover your dream home in Payson, where the serene beauty of waterfront living awaits!

Newest 85541 Homes with Waterfront Lot Lot Features

$4,500,000
7 Beds ⋅ 4 Baths ⋅ 7070441 MLS ⋅ 3,400 SqFt.
A truly rare opportunity to own a private, gated creekside retreat encompassing 4.58 acres of natural beauty, tranquility and historic Arizona charm. With approximately 400 feet of Tonto Creek frontage, this remarkable property offers the soothing sounds of the creek, a fishing pond, towering pines and thoughtfully designed gathering spaces throughout. Total square footage, bedrooms and bathrooms shown in the listing include both the main and guest cabins. The 1,800+ square-foot main cabin features 4 bedrooms, 2 bathrooms, a spacious kitchen with granite countertops and breakfast bar, and an inviting living area centered around a natural-stone fireplace. French doors open to a sunroom overlooking the pond and peaceful wooded surroundings. The separate guest cabin provides approximately 1,600 square feet with 3 bedrooms, 2 bathrooms, a large kitchen, fireplace, pellet stove, spacious family room, two separate entrances and two private patios--ideal for guests, extended stays or a variety of other possibilities. A historic barn adds distinctive character and offers flexible space for gatherings and events, complemented by an outdoor BBQ area and large ramada. Additional improvements include a detached two-car garage with an attached workshop and storage area, plus a separate additional building. Outdoor amenities include a covered pavilion and patios, hot tub, sauna, an expansive newer deck overlooking the creek, and a gas fire pit within a built-in creekside gathering area. Whether envisioned as a private retreat, multigenerational property or an extraordinary setting with future possibilities, this one-of-a-kind creekfront offering would be difficult to duplicate. Zoned General Use (GU) and Agricultural, with documented Tonto Creek water rights. Buyer to independently verify permitted uses, square footage and all facts material to the buyer. Experience this remarkable slice of heaven on earth.

2097 N Fsr 289 --, 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
$550,000
2 Beds ⋅ 1 Baths ⋅ 7063728 MLS ⋅ 862 SqFt.
ON THE YEAR ROUND TONTO CREEK! Just over an hour from the valley, the desert gives way to towering pines and the temperatures drop with every mile; the pace of life begins to change and even the air smells different as you're pulling into your own cabin tucked among the towering trees and pines. In Kohl's Ranch, the sound of the creek replaces the noise of the city. Morning starts with coffee on the deck in the crisp mountain air enjoyed with the sound of water spilling over the rocks below. Afternoons are spent fishing, hiking nearby trails, exploring the Rim Country, or simply doing nothing at all- a luxury that's becoming harder and harder to find. Cont.. Evenings end around a fire beneath a sky filled with more stars than most Valley residents ever get to see. Whether you're escaping the summer heat, creating a place where children and grandchildren will make lifelong memories, or simply looking for a retreat that allows you to disconnect without being hours away, this creekfront cabin offers something increasingly rare: peace and tranquility. This 2 bedroom, 1 bathroom cabin has been completely renovated with huge windows overlooking the river. It is located in the highly sought-after community of Kohl's Ranch, and places you in the heart of Arizona's outdoor playground while remaining an easy drive from the shopping, dining and entertainment of Payson. Here, weekends feel longer, holidays become traditions, and every visit reminds you why owning a mountain home isn't just a purchase--it's an investment in the way you want to live. Don't wait on this one- Its rare to find waterfront property in AZ and even more so to find one that is project free!!

695 S Meadow Lane, Payson
$888,000
4 Beds ⋅ 2 Baths ⋅ 7050219 MLS ⋅ 1,711 SqFt.
ON THE CREEK is more than a phrase--it's a lifestyle, and this remarkable property brings that dream to life. Full of charm and character, this cabin sits directly on Tonto Creek, where the soothing sound of flowing water becomes part of your everyday experience. Enjoy your morning coffee at a creek side table, unwind with an evening beverage on the back deck, or simply relax while taking in the peaceful beauty that surrounds you. The setting feels like something out of a movie, yet it is absolutely real--and it can be yours. Inside, the spacious great room creates the perfect gathering place for family and friends, offering warmth, comfort, and an unforgettable creek side ambiance. The bedrooms in the finished basement provide a restful retreat, where you can drift off to sleep with the gentle sounds of the creek just steps away. The location offers endless opportunities for outdoor adventure and recreation. Explore hiking trails along the creek, visit the top of the Mogollon Rim just 15 minutes away, enjoy nearby lakes for kayaking and fishing, or spend the day at the local fish hatchery. Surrounded by the beauty of the Tonto National Forest, you'll have countless opportunities to experience nature at its finest. Owning property on a creek is a dream for many, and opportunities like this are rare. The combination of flowing water, towering forest, and unmatched tranquility creates an atmosphere that is difficult to describe--you truly have to experience it for yourself. Once you do, you'll understand why this property is so special. This property has been an AirB&B for many years and has been a very successful cash flow property. There is an option for someone to continue this successful business. Don't miss your chance to make this extraordinary creek side retreat your own. It awaits you today--this one is not expected to last long.

350 S Buenagua Road, Payson
$815,000
3 Beds ⋅ 2 Baths ⋅ 7044860 MLS ⋅ 1,720 SqFt.
Come see your perfect mountain getaway! Located in the golf club of chaparral pines this 3 bed 2 bath home has one of the most serene settings in the area. Two different patios enhance your outdoor living with a water feature out the back and a covered area to enjoy the summer rains. The list of updates truly allows you to move in and enjoy. New interior paint updated bathrooms, landscaping, kitchen and primary bedroom makes this home a must see!!

406 N Pine Island Drive, Payson
$2,275,000
4 Beds ⋅ 5 Baths ⋅ 7031983 MLS ⋅ 3,572 SqFt.
SELLER ADDED A CREDIT AT CLOSING TO THE BUYER -A FULL GOLF MEMBERSHIP INITIATION FEE OR A 2/1 BUY DOWN RATE Experience refined mountain living in this exceptional custom home by WTM Construction, completed in 2022. This stunning single-level residence begins with a striking custom front door and offers 4 bedrooms, all with custom designed ensuite bathrooms, 3,572 square feet of thoughtfully designed living space, including a spacious office perfectly positioned to capture serene views of the surrounding Ponderosa Pines. Expansive windows throughout the home flood the interior with natural light while seamlessly connecting the indoors with the beauty outside including the surrounding irrigation lake. Rich solid wood flooring, custom alder wood doors, and designer finishes create a warm yet sophisticated atmosphere throughout. The kitchen is a true showpiece, featuring a custom-designed oversized 10-foot seamless quartzite island with prep sink with garbage disposal, Wolf and Sub-Zero appliances, warming drawer, and beautifully upgraded custom cabinetry extending into the laundry room, wet bar, and luxurious primary bath. Entertaining is effortless with the wet bar complete with two under-counter Sub-Zero wine refrigerators and a commercial-grade Sub-Zero ice maker. The primary suite offers a spa-like retreat with heated bathroom floors, skylight, Kohler designer sinks, upgraded shower doors, and Brizo plumbing fixtures. Additional highlights include a one-of-a-kind custom dining table light fixture, high-end lighting throughout, Ecobee thermostats, entire house is wired with cat8 cables to all TV's and WIFI connections, Three Wi-Fi Wayport locations for added connectivity, Built in Sonos speakers with four separate zones - including outdoor patio, multiple windows with automatic blinds, Remo Halo UV air purification system, fresh air ERV unit, custom barn doors & metal roof accents. Outdoor living is equally impressive with a built-in BBQ featuring a grill and smoker combo, outdoor Sub-Zero refrigerator, storage, and integrated trash area -- all designed to enjoy the peaceful mountain setting year-round. An amazing, rare opportunity to own of these special homes in Chaparral Pines Community.

1802 E Senna Point, Payson
$649,500
4 Beds ⋅ 3 Baths ⋅ 7031458 MLS ⋅ 2,304 SqFt.
Discover this stunning cabin on the East Verde River in Whispering Pines, just north of Payson. Sitting on a generous .63 acres, this 4-bedroom, 2.5-bathroom residence perfectly exudes mountain charm. A spectacular 670 sq. ft. Arizona room directly overlooks the water, while the inviting living room is anchored by a magnificent stone fireplace. Two extra-large bedrooms upstairs offer the perfect layout for hosting family and guests. A wide variety of recent updates have been made throughout, including fresh paint. For the outdoor enthusiast, a detached 720 sq. ft. garage with workshop provides ample room for all your mountain toys. The river-facing side of the home features significant recent engineering enhancements. Come take a look today!

461 W Scott Drive, Payson
$1,885,000
4 Beds ⋅ 5 Baths ⋅ 7019004 MLS ⋅ 3,609 SqFt.
Mountains, water and boulders, OH MY! Set on a coveted near one-acre waterfront homesite in the gated community of Chaparral Pines, this exceptional property showcases striking boulder outcroppings and truly panoramic scenery. Take in sweeping views of the Mogollon Rim to the north, Diamond Point to the east, and the iconic Granite Dells to the south--all while overlooking the tranquil water below. Tucked away on a quiet cul-de-sac and gently sloped, the lot offers both privacy and endless design potential, making it a rare opportunity for those seeking a one-of-a-kind setting. This 4-bed, 4.5-bath home features 10-foot ceilings, granite countertops, and a rare 3-car garage. This remarkable property is now an incredible opportunity to own a stunning home in a truly unforgettable.. Mountains, water and boulders, OH MY! Set on a coveted near one-acre waterfront homesite in the gated community of Chaparral Pines, this exceptional property showcases striking boulder outcroppings and truly panoramic scenery. Take in sweeping views of the Mogollon Rim to the north, Diamond Point to the east, and the iconic Granite Dells to the south--all while overlooking the tranquil water below. Tucked away on a quiet cul-de-sac and gently sloped, the lot offers both privacy and endless design potential, making it a rare opportunity for those seeking a one-of-a-kind setting. This 4-bed, 4.5-bath home features 10-foot ceilings, granite countertops, and a rare 3-car garage. This remarkable property is now an incredible opportunity to own a stunning home in a truly unforgettable setting where architecture and nature come together in perfect harmony. Plans pending approval by the ARC. Minimum trailhead membership required to be purchased with the property.

1703 E Redbud Court, Payson
$994,000
4 Beds ⋅ 4 Baths ⋅ 7004298 MLS ⋅ 3,681 SqFt.
Welcome to this mountain retreat located in the highly sought-after Chaparral Pines Golf Community. Designed for both relaxation and entertaining, this spacious 4-bedroom, 4-bath home offers multiple gathering areas perfect for hosting friends and family. Upon entering, you'll immediately notice the impressive interior wood beams accenting the vaulted ceilings, creating warmth and character throughout the main living space. Expansive windows fill the home with natural light, while plantation shutters throughout provide privacy and a cozy ambiance when desired. The main level features an open kitchen and living area that flows seamlessly onto an oversized deck complete with a built-in grill -- ideal for outdoor dining and enjoying the mountain setting, featuring views of the golf course and multiple water features. Downstairs, a second large living area provides additional space for entertaining, featuring its own bar area along with two additional bedrooms, including a secondary master suite. Step outside to a walkout patio where tranquil water features create a peaceful outdoor escape. This home offers a wonderful opportunity to add your personal style and modern touches while enjoying its great layout and location. A combination of comfort, space, and mountain charm -- perfect as a full-time residence or getaway retreat. Easy to Show.

2607 E Pine Island Lane, Payson
$1,349,900
4 Beds ⋅ 3 Baths ⋅ 6988439 MLS ⋅ 2,701 SqFt.
Exceptionally rare opportunity to own over 400 feet of year-round East Verde River frontage on a 3.42-acre private parcel featuring tranquil ponds and 100-year-old apple trees. This stunning custom home is perched approximately 300 feet above the river, offering breathtaking Mogollon Rim views while still allowing you to hear the soothing stream from the home with windows open. The home features 4 bedrooms, a theater room, living room, and great room, highlighted by exquisite granite countertops, a wood-burning stone fireplace, and laminate wood flooring throughout. The primary suite offers its own private deck with breathtaking Rim views, while the primary bath includes a jetted tub, walk-in shower, and spacious walk-in closet. An additional deck off the great room provides the perfect space to relax and enjoy the serene surroundings. The entire exterior of the house was repainted in February 2026. The lower portion of the property fronts the East Verde River and includes a barn, offering serene water views and seasonal fishing opportunities. Ideal for horses, riding quads directly from your doorstep, or simply enjoying the natural beauty. Towering Ponderosa pines surround this magical, private setting. Conveniently located just 25 minutes from Payson for shopping and dining, and 45 minutes to the lake for boating and fishing. The lower portion of the lot lies partially within a flood plain. County assessor lists the home at 2,445 sq. ft.; previous owners were informed by a builder that the home measures approximately 2,701 sq. ft. Buyer and Buyer's Agent to verify all facts and figures deemed important. Information deemed reliable but not guaranteed. Make memories here as this one-of-a-kind riverfront retreat won't last. *Some exterior photos were taken in prior seasons/years to illustrate the property's seasonal landscaping and foliage.

415 E Rim Estates Trail, Payson
$1,750,000
6 Beds ⋅ 4 Baths ⋅ 6965924 MLS ⋅ 4,378 SqFt.
OFF THE GRID in Bear Flat. The last 3 miles is not for sissies, but the reward is a gated community in the National Forest with Tonto Creek flowing through. 90 feet up from the water's edge is The Retreat on Tonto Creek. This magnificent mountain home has deck and views galore. Wild game everywhere. Redundant systems - APS electric, solar on the steel roof and a thousand-gallon propane tank to run the generator. City water, plus a well and a community water tank. Fire truck just across the road. WiFi. You are fully self-contained. Big island and dining for 8. Huge family room with double fireplace to large game room with full bar. Write that novel in the sky office off the spacious primary bedroom. Everything stays, including the golf cart and a year's supply of survival food.

4678 N Bear Flat Road, Payson
$1,690,000
4 Beds ⋅ 4 Baths ⋅ 6948001 MLS ⋅ 3,279 SqFt.
Introducing a stunning new construction opportunity in the prestigious Chaparral Pines Golf Community, perfectly positioned on a premium lot overlooking the picturesque par-3 4th hole with its shimmering lake and waterfall views. This proposed single-level residence offers timeless design, cutting-edge construction, and luxury finishes throughout and anticipated to be completed in late spring of 2026. Built with Fox Blocks Insulated Concrete Forms, the home will feature double-insulated, steel-reinforced concrete walls that deliver exceptional strength, efficiency, and peace of mind. This building system is engineered to exceed today's codes while providing superior durability, energy performance, and sound reduction, ensuring the home is as solid as it is beautiful. The thoughtfully designed floor plan offers over 3,279 square feet of livable space with four bedrooms, each with its own en-suite bath, including a luxurious primary suite with a spa-inspired bathroom and walk-in closet. Enter through a welcoming foyer and formal dining area that opens into a vaulted great room with a fireplace, seamlessly connecting to the expansive covered patio. The gourmet kitchen is the centerpiece of the home, boasting a custom hood, large island, undercounter wine refrigerator, upgraded flooring, and striking tile finishes, along with a generous pantry. Heated bathroom floors and smart-home technology, including a ''vacation mode,'' add comfort and convenience. Outside, a brick paver driveway leads to a three-car garage, while a stone-accented walkway guides you to the recessed entry porch. The home's rear elevation captures sweeping views of the golf course and pond, enhanced by cable railing on the covered deck to preserve the scenery. Combining elegance with practical design, the residence totals over 4,800 square feet under roof including porches and garage. Set within the guard-gated, master-planned Chaparral Pines community, residents enjoy access to the award-winning golf course, clubhouse dining, fitness facilities, pool, and a wide range of recreational amenities, all surrounded by the natural beauty of Arizona's Rim Country.

1004 N Scenic 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.