Payson Homes with Conventional New Financing

Payson Homes with Conventional New Financing

Welcome to Payson, Arizona—a charming town nestled in the heart of Gila County, where the beauty of nature meets a vibrant community spirit. Known for its stunning landscapes and cool mountain climate, Payson offers a unique blend of small-town charm and outdoor adventure. Surrounded by the breathtaking Tonto National Forest, residents enjoy a plethora of recreational activities, from hiking and fishing to camping and golfing. With its picturesque views and serene environment, Payson is the perfect escape for those seeking tranquility and adventure alike.

One of the most appealing aspects of Payson is its diverse real estate market, particularly for those looking to invest in homes with conventional new financing. Whether you’re a first-time homebuyer or searching for a vacation retreat, Payson has a variety of options to suit your needs. From cozy cabins tucked in the woods to modern family homes with spacious yards, the housing market here is as diverse as the natural beauty surrounding it.

With the availability of conventional financing, purchasing a home in Payson has never been more accessible. This financing option allows buyers to secure favorable terms and rates, making it easier to turn your dream of mountain living into a reality. Imagine waking up to the crisp mountain air, sipping your coffee on the porch, and enjoying the stunning views that Payson has to offer.

Come explore the inviting community of Payson, where your new home awaits amidst the pines and the promise of a fulfilling lifestyle. Let the adventure begin!

Newest Payson Homes with Conventional New Financing

$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
$345,900
3 Beds ⋅ 2 Baths ⋅ 7069893 MLS ⋅ 1,480 SqFt.
Welcome to this beautifully renovated home nestled in a peaceful, tree-filled lot in Payson. Surrounded by mature trees and located in a quiet neighborhood, this property offers the perfect blend of comfort, privacy, and mountain charm. Recently added new flooring throughout and a new roof provide peace of mind. The spacious floor plan offers three comfortable bedrooms and two 3/4 bathrooms, making it ideal for families, guests, or a vacation retreat. Added space includes a large loft that could be an extra bedroom space, office, or den. Let your imagination run wild. Relax and enjoy the fresh mountain air from the inviting front porch, perfect for morning coffee or evening sunsets. The oversized 24' x 24' two-car garage provides ample space for vehicles, storage, or a workshop and featur features the added convenience of a half bath.

7488 N Paloma Vista, 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
$582,000
3 Beds ⋅ 2 Baths ⋅ 7069300 MLS ⋅ 2,068 SqFt.
3-bedroom, 2-bathroom home ideally located near the Golf Course & Green Valley Park, in Payson. Spacious 2-car garage with a large workshop on the side. This home offers plenty of room for vehicles, storage, & RV parking. Large kitchen perfect for cooking & entertaining, with beautiful cabinetry, detailed countertops, newer appliances, and a BRAND NEW dishwasher and huge walk-in pantry with abundant storage throughout the home. Sunroom opens to living room and showcases beautiful mountain views. The cozy pellet stove provides warmth & ambiance during cooler months, while central heating and air conditioning ensure comfort in every season. With no HOA, this property offers both freedom and convenience. New Roof just installed July 2026 - Transferable! Make this wonderful home your own!

400 S Brassie Drive, Payson
$415,000
3 Beds ⋅ 2 Baths ⋅ 7069169 MLS ⋅ 1,358 SqFt.
There's a lot to love about this comfortable Payson home! Featuring 3 bedrooms, 2 bathrooms, and approximately 1,407 sq. ft., the split floor plan offers privacy and a practical layout for everyday living. The .18-acre property includes a 2-car garage and RV parking, providing valuable extra space for vehicles, toys, or weekend adventures. Located in Trailwood, you'll enjoy the convenience of being close to town while having easy access to the outdoor recreation that makes Payson such a special place. Perfect as a primary residence or mountain retreat.

312 N Pioneer Trail, Payson
$235,000
2 Beds ⋅ 1 Baths ⋅ 7068687 MLS ⋅ 672 SqFt.
Here is a charming 2023 Champion manufactured home featuring 2 bedrooms. The property is beautifully landscaped with gravel and pavers, and an impressive covered dog un that your pet will adore! Enjoy outdoor living on the covered patio or relax in the jacuzzi located just outside your back door. This home is short walking distance to the Tonto Creek a great spot for swimming and fishing! Additionally, a Travel Trailer is included, which, while not zoned for permanent living, conveys with the property. The property has plenty of storage space with the two storage sheds

857 S Tonto Creek Drive, Payson
$19,500
7068349 MLS
Build your dream mountain retreat on this beautiful .25-acre vacant homesite located within the prestigious gated golf community of Chaparral Pines in Payson, Arizona. Currently the second-lowest-priced lot available in the community, this property presents an exceptional opportunity to own in Chaparral Pines at an attractive price point. Tucked along a quiet cul-de-sac, the homesite offers peaceful surroundings, quiet privacy, mature pines, and a wonderful sense of seclusion while still being part of one of Payson's most desirable communities. Design a custom home perfectly suited to the lot and enjoy the beauty and tranquility of Arizona's Rim Country. Chaparral Pines is known for its stunning mountain scenery, private golf course, clubhouse amenities, and relaxed four season lifestyle. Located just minutes from the heart of Payson, residents can enjoy nearby dining, shopping, hiking, lakes, and endless outdoor recreation. A rare opportunity to secure one of the most competitively priced homesites in Chaparral Pines and create your own private mountain escape in the cool pines of Payson.

1003 N Purple Aster Court Unit 33, Payson
$1,200,000
3 Beds ⋅ 3 Baths ⋅ 7067868 MLS ⋅ 2,717 SqFt.
Welcome to this exceptional mountain retreat in the prestigious gated community of Whisper Ridge. This beautifully crafted custom home offers 3 bedrooms, 2.5 bathrooms, and 2,717 +/- sq. ft. on a private 0.40-acre landscaped homesite with breathtaking views and exceptional privacy. No detail was overlooked. Designed with quality and elegance throughout this home features upgraded Jeld-Wen windows, heavy-gauge metal roof, central vacuum, custom beveled hickory flooring, alder cabinetry, upgraded lighting, and designer finishes. The large gourmet chef's kitchen is perfect for entertaining family and friends. Showcasing a 36' Viking refrigerator and 36'' Viking freezer, built in oven and microwave, gas cooktop, warming drawer, beverage cooler, built-in ice maker and reverse osmosis system, and a spacious center island with abundant storage. Plenty of room for seating with a large dining area and corner banco seating with a gas fireplace built in to custom cabinetry. The luxurious primary suite offers private deck access and a spa-inspired bath featuring a Jetta soaking tub, two-way electric fireplace, oversized walk-in shower, and custom walk-in closet with built-in dresser, shoe and linen storage. Enjoy Arizona mountain living with an outdoor deck, stunning views, and a cozy fire pit with banco seating--perfect for relaxing or entertaining. Additional features include an oversized 2 1/2 car garage with built-in cabinets and work benches plus an unfinished basement offering excellent storage or hobby space. Ideally located near The Rim Golf Club and Chaparral Pines, in which residents have the opportunity to purchase a nonresident membership and enjoy premier golfing, dining, fitness, and social amenities. This meticulously upgraded home offers the perfect blend of luxury, comfort, and mountain living in one of Payson's most desirable gated communities. (SEE DOCUMENTS TAB FOR A COMPLETE LIST OF UPGRADES & FEATURES.)

414 S Whisper Ridge Lane, Payson
$475,000
3 Beds ⋅ 2 Baths ⋅ 7067865 MLS ⋅ 1,596 SqFt.
Welcome home to this beautifully updated single level 3-bedroom, 2-bath residence offering 1,596 +/- sq. ft. on a spacious, well-maintained 0.28-acre lot conveniently located near Payson Golf Course and Green Valley Park, this home offers a wonderful combination of comfort, style, and outdoor enjoyment. The gorgeous updated kitchen features new cabinetry, Quartz countertops, newer stainless-steel appliances, and a large farmhouse sink. Engineered hardwood flooring adds warmth and character throughout the living areas. The inviting great room features vaulted ceilings and a cozy stone fireplace, creating the perfect space to gather and relax. The spacious primary suite provides a comfortable private retreat with a large walk-in shower, dual vanity, private toilet room, and generous walk-in closet. Outside, the beautifully landscaped yard provides plenty of space to enjoy the seasons, while the large covered patio and deck offer inviting spots to relax, entertain, and take in the mountain views. The 2-car attached garage adds everyday convenience and storage. With its thoughtful updates, desirable mountain views, spacious lot, and proximity to golf and recreation, this well-cared-for home is a wonderful opportunity to enjoy the best of Payson living. Sellers are licensed real estate agents in the State of Arizona.

401 S Arroyo Drive, Payson
$498,999
3 Beds ⋅ 2 Baths ⋅ 7067847 MLS ⋅ 1,664 SqFt.
Welcome home to this beautifully remodeled 3-bedroom, 2-bath Modular home offering comfort, charm, and room to enjoy country living. In addition to the spacious bedrooms, you'll find a versatile bonus room that's perfect for a home office, hobby room, playroom, or guest space. Step outside and imagine entertaining family and friends on the stunning covered deck, that's ready for gatherings year-round. The lush green lawn and big, beautiful shade trees provide a peaceful setting to relax, play, or simply enjoy the outdoors. An attached one-car garage provides the perfect space for your truck, or outdoor toys, tools, or additional storage, giving you the extra room every homeowner appreciates. This property is ideal for animal lovers, with no HOA and plenty of room for horses, pigs, chickens and other livestock. Additional features include a well house and horse corral, making it easy to embrace the rural lifestyle you've been looking for. Just a quick 2-minute drive brings you to the creek, where you can spend warm summer days cooling off in the water, relaxing in the shade, enjoying a picnic, or casting a line for a little fishing. It's the perfect nearby escape for outdoor recreation and making lasting memories with family and friends Don't miss this opportunity to own a move-in-ready property that offers the perfect blend of modern updates, outdoor living, and the freedom to make it your own!

636 E Sycamore Lane, Payson
$475,000
3 Beds ⋅ 2 Baths ⋅ 7067726 MLS ⋅ 1,575 SqFt.
Welcome to this beautifully designed 3-bedroom, 2-bath custom home featuring a spacious split floor plan that perfectly balances privacy, comfort, and entertaining. The open and inviting layout is highlighted by vaulted ceilings, abundant natural light, and two extra-large patio doors that open to a covered patio and fully fenced backyard. The generously sized primary suite offers a custom walk-in closet and a beautifully appointed bathroom featuring exquisite tile work. The additional bedrooms provide plenty of space for family, guests, an office, or hobbies. Outside, you'll find a fully fenced backyard, RV parking with an electric hookup, and a versatile 10' x 16' insulated bonus building featuring R-16 soundproof insulation-- perfect for a she shed, man cave, hobby room, workshop, or private retreat. The oversized garage provides ample room for vehicles, recreational toys, storage, or just about anything else you need to bring along for your Arizona lifestyle. Located in beautiful Payson, this exceptional home offers the perfect combination of thoughtful custom details, functional living space, and outdoor versatility. Don't miss the opportunity to make this stunning home your own--schedule your showing today!

506 E Wade Lane, Payson
$685,000
3 Beds ⋅ 3 Baths ⋅ 7067724 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 2304 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,

1103 S Stewart Pocket Circle S, Payson
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