Payson Homes with Owner May Carry New Financing

Welcome to Payson, Arizona—where stunning natural beauty meets small-town charm! Nestled in the heart of the Mogollon Rim, Payson is a picturesque community surrounded by towering pines, sparkling lakes, and breathtaking mountain vistas. Known for its mild climate and four distinct seasons, this delightful town offers residents a perfect escape from the hustle and bustle of city life.

Payson boasts a rich history and a vibrant local culture, making it an inviting place for families, retirees, and outdoor enthusiasts alike. With a plethora of recreational activities at your doorstep, including hiking, fishing, and camping, adventure awaits just beyond your front door. The town is also home to a variety of shops, restaurants, and community events that foster a close-knit atmosphere.

For those looking to call Payson home, the real estate market here is as diverse as the landscape itself. One exciting option for prospective homeowners is the availability of homes with Owner May Carry New Financing. This unique financing arrangement can make purchasing a home in this beautiful area more accessible, allowing buyers to negotiate terms directly with sellers. It’s an excellent opportunity for those who may not qualify for traditional financing or are looking for more flexible payment options.

Whether you’re searching for a cozy cabin, a spacious family home, or a charming retreat, Payson has something to offer everyone. Explore the possibilities and discover your dream home in this enchanting Arizona town, where the beauty of nature meets the warmth of community. Your new adventure awaits in Payson!

Newest Payson Homes with Owner May Carry New Financing

$159,900

2 Beds ⋅ 2 Baths ⋅ 7082042 MLS ⋅ 780 SqFt.

Tall Pine trees, large .45 acre lot with 2 bed, 2 bath mobile centrally located. A couple storage sheds, awning, seller is motivated for a quick sale.

311 E Juniper Street, Payson

$1,200,000

3 Beds ⋅ 3 Baths ⋅ 7079683 MLS

TO BE BUILT - NEW CONSTRUCTION IN BEAUTIFUL RIM COUNTRY! Build The Ironwood by Platinum Edge Homes on a unique 2.37-acre homesite at approximately 6,000 feet elevation, overlooking a beautiful canyon and surrounded by the natural beauty of Arizona's Rim Country. Enjoy the best of both worlds--a brand-new home designed for today's lifestyle combined with acreage, privacy and mountain surroundings. The Ironwood offers approximately 2,444 square feet of single-level living with 3 bedrooms, dedicated office, 2.5 bathrooms, 3-car garage and an impressive RV garage/workshop. The thoughtfully designed floor plan features 10-foot ceilings and an open great room, dining area and spacious kitchen that create an inviting setting for everyday living and entertaining. The primary suite includes a private bath and walk-in closet, while two additional bedrooms and a separate office provide flexibility for guests, family or working from home. A covered outdoor living area takes advantage of the peaceful mountain setting, while the RV garage/workshop provides exceptional space for recreational vehicles, equipment, hobbies and all your Rim Country toys. Unlike starting with completely raw land, this property already offers valuable infrastructure, including two working wells, a third water source with Payson, two electrical sources--one underground and one overhead--and a working septic system currently designed for a 3-bedroom, 2-bath home. Approximately 2 acres are fenced, with additional land extending west beyond the ravine. An established orchard with apple, pear, peach and plum trees adds character to the property. GU (General Unclassified) zoning and NO HOA provide added flexibility for rural residential and agricultural uses, including horses, animals, gardening and accessory structures where permitted. Work with the builder to personalize The Ironwood with available selections and finishes and create the mountain home you've been dreaming about. Potential for a full-time residence, second home or future vacation rental, subject to applicable Gila County requirements. New construction, acreage, existing infrastructure, RV garage/workshop, canyon views and no HOA--an exceptional opportunity in Arizona's beautiful Rim Country. Pricing depends on square feet and finishes and can range from 900K to 1.2 million depending on what you decide to build more than one model offered by this builder. Buyer should directly speak to this builder and account for the cost of the land.

1248 S Running Elk Road, Payson

$474,900

7079676 MLS

RARE 2.37-ACRE, FENCED, IMPROVED MOUNTAIN HOMESITE! Discover a truly unique opportunity at 1248 S Running Elk Road, situated at approximately 6,000 feet in elevation and overlooking a beautiful canyon in Arizona's spectacular Rim Country. Approximately 2 acres are fenced, with additional land extending west beyond the ravine, creating an appealing combination of usable space, privacy, views and natural mountain terrain. The lot is GU (General Unclassified) zoned with NO HOA, offering flexibility for rural residential and agricultural uses and possibilities such as a custom home, horses, animals, gardening and accessory structures, subject to Gila County requirements. This is much more than vacant land. COMPANY--along with TWO ELECTRICAL SOURCES, one underground and one overhead, and a WORKING SEPTIC SYSTEM DESIGNED TO SERVE A FUTURE 3-BEDROOM, 2-BATH HOME. An established orchard features apple, pear, peach and plum trees, and raspberries have also been grown on the property. Previous residential structures have been removed, leaving a cleared site ready for a buyer's vision. A 40-FOOT SHIPPING CONTAINER provides substantial secure storage and conveys with the property. The lower portion of the parcel also includes covered parking and a large covered work area, offering valuable space for equipment, projects and recreational vehicles. ALSO INCLUDED WITH THE SALE is a 2016 OPEN RANGE FIFTH-WHEEL RV, 3X RATED FOR COLDER-WEATHER USE, providing an additional valuable feature for enjoying the property and the Rim Country setting. HOUSE PLANS AND BUILDING CONCEPTS ARE AVAILABLE TO SHARE WITH INTERESTED BUYERS. A separate residential listing is also available in conjunction with a builder who can help create a new home on the property, giving buyers the opportunity to explore a new-build option designed to take advantage of this special mountain setting. With much of the essential infrastructure already in place, imagine creating a brand-new mountain home surrounded by the natural beauty of Rim Country. The property may also offer potential as a second home, full-time residence or future vacation rental, subject to applicable Gila County requirements. Surrounded by tall pines and close to the recreational opportunities of the Mogollon Rim, this property offers privacy, usable space, views and the opportunity to create a truly unique Arizona mountain lifestyle. Bring your vision and make this special piece of Rim Country your own. Buyer to independently verify water sources and availability, elevation, septic capacity/design, zoning, building requirements, utilities, fifth-wheel/RV information and permitted use, builder/new-construction options, vacation-rental use, intended uses and all material facts.

1248 S Running Elk Road, Payson

XXXX S Cottonwood #460 Lane Unit -, Payson

$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

XXXX S Cottonwood #459 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

$725,000

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

$699,000

4 Beds ⋅ 3 Baths ⋅ 7069738 MLS

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

$1,011,000

9 Beds ⋅ 8 Baths ⋅ 7059923 MLS

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 $113,000 per door at a 8.82% cap rate. 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

1806 E Cliff Rose Drive Unit 839, Payson

$200,000

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

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.