Flagstaff Homes with Cash to Loan New Financing

Welcome to Flagstaff, Arizona – a vibrant city nestled in the heart of Coconino County, where the stunning beauty of the surrounding mountains meets a rich tapestry of culture and community. Known for its breathtaking landscapes and outdoor adventures, Flagstaff is a haven for nature lovers, offering easy access to the San Francisco Peaks, the Coconino National Forest, and the iconic Route 66. With an elevation of 7,000 feet, this charming city boasts a four-season climate, making it an ideal destination for skiing in the winter and hiking in the summer.

Flagstaff isn’t just about its natural beauty; it’s also a thriving hub for education and innovation, home to Northern Arizona University, which adds a youthful vibrancy to the community. The downtown area is filled with unique shops, delightful restaurants, and a rich arts scene, ensuring there’s always something to explore.

For those considering a move to this enchanting city, the real estate market is as diverse as its residents. Whether you're looking for a cozy cabin in the woods, a modern family home, or a charming historic property, Flagstaff has something for everyone. One of the exciting aspects of buying a home here is the availability of financing options, including cash to loan new financing. This flexibility allows potential homeowners to navigate the market with ease, ensuring they find the perfect place to call home.

Embrace the Flagstaff lifestyle, where adventure meets community spirit, and find your dream home in this picturesque mountain city!

Newest Flagstaff Homes with Cash to Loan New Financing

$699,000

4 Beds ⋅ 3 Baths ⋅ 7086669 MLS ⋅ 2,111 SqFt.

Explore DOWNTOWN Flagstaff living at its best with this hilltop mountain-modern residence, positioned perfectly just blocks from the NAU, Aspen Place at The Sawmill, and Historic Downtown. The exceptional location is ideal for a full-time resident or an investor looking for long term and short term opportunities (NO restrictions). The owner notes high interest from university students and professionals year-round! The top level features an open-concept kitchen, dining, and living area with expansive windows and a spacious deck overlooking the Northern Arizona University campus and surrounding treetops. The MAIN LEVEL includes a full bedroom and bath - ideal for guests, home office or separate rental space, while the SECOND FLOOR offers two guest bedrooms and an oversized primary suite with its own private balcony. Built for comfort and efficiency, this Energy Star-rated home features an owned 2.0 kW solar system, high-density spray foam insulation, a continuous hot water system, hardwood floors, custom cabinetry, and stainless steel appliances. With no neighbors directly above or below, this condo lives like a single-family home while offering low utility costs and an UNBEATABLE LOCATION in one of Flagstaff's most desirable neighborhoods.

538 S Fountaine Street Unit 2, Flagstaff

$4,000,000

7082248 MLS

The offering consists of approximately 4.06 acres across three contiguous parcels** in west Flagstaff, zoned LI-O (Light Industrial-Open). The property is located along S. Thompson Street immediately south of Historic Route 66 and benefits from partial Route 66 visibility, substantial street frontage, completed survey and geotechnical work, and convenient access to the regional transportation network, including Interstate 40 approximately 2.5-3 miles from the site. LI-O zoning provides a comparatively broad range of potential commercial and light-industrial applications. In addition to traditional light-industrial, manufacturing, warehousing and distribution uses, the district also permits or conditionally allows selected retail, restaurant, service, The combination of 4.06 acres, three contiguous parcels, flexible LI-O zoning, proximity to Historic Route 66 and I-40, completed preliminary due-diligence work, and continued residential and commercial growth in west Flagstaff positions the property for a range of owner-user, development and investment strategies.

1863 S Thompson Street Unit 23, Flagstaff

$1,490,000

7 Beds ⋅ 5 Baths ⋅ 7065265 MLS

Discover a rare investment opportunity in the heart of Historic Downtown Flagstaff. The iconic circa 1906 Lindemann House occupies a high-profile corner lot and includes an expansive paved parking lot--an exceptional amenity in downtown Flagstaff. Rich in history, character, and income potential, this unique property offers flexibility for investors, business owners, or those seeking a mixed-use opportunity. The property features five residential units, including two 2-bedroom, 1-bath apartments, two 1-bedroom, 1-bath apartments, and one studio apartment. Currently operated with a combination of short- and long-term rentals, all units are transitioning to long-term rentals, providing stable income with additional upside potential. SELLER FINANCING is available to qualified Buyers, and the Seller prefers a Seller Financed sale. Flagstaff's desirable Community Commercial (CC) zoning allows for a wide variety of commercial and residential uses. Over the years, the property has successfully housed a retail running store, hair salon, attorney's office, engineering office, and residential apartments, creating exceptional flexibility for future ownership. The oversized paved parking lot provides abundant off-street parking--an increasingly valuable asset in Historic Downtown Flagstaff. Whether you continue its successful income-producing history, establish your own business, redevelop the site within zoning allowances, or create a unique live/work environment, the possibilities are extensive. This is a one-of-a-kind historic downtown property offering character, strong income potential, outstanding visibility, abundant parking, flexible zoning, and exceptional long-term investment value. Owner/Agent.

309 N Humphreys Street, Flagstaff

$679,000

4 Beds ⋅ 2 Baths ⋅ 7059802 MLS ⋅ 1,631 SqFt.

**SELLER OFFERING 15K ROOFING ALLOWANCE** Beautiful single-level 4-bedroom home in the highly desirable Ponderosa Trails neighborhood. Nestled among towering ponderosa pines, this home features a sought-after split floor plan, spacious living areas, and an oversized deck perfect for entertaining or enjoying the peaceful forest setting. The fully fenced backyard offers plenty of room for pets, play, and outdoor living. Enjoy easy access to neighborhood trails and nearby forest, with Northern Arizona University just minutes away. Experience the perfect combination of comfort, convenience, and mountain living.

4808 S Bright Angel Trail, Flagstaff

$875,000

4 Beds ⋅ 3 Baths ⋅ 7037207 MLS ⋅ 2,626 SqFt.

Located in the desirable Boulder Pointe neighborhood, this beautifull 2-story home offers 2,626 sq ft of flexible living space on a .22-acre treed lot. Featuring 4 bedrooms upstairs plus a dedicated den on the main level, 2.5 baths, there's room for work, play, & everything in between. Rooms could be adjusted to make it a 5 bedroom home! Recent upgrades include fresh interior paint, a whole-house water filtration system, and a whole-house electrical surge protector. Enjoy Flagstaff's four-season lifestyle from the private backyard complete with Trex deck, tranquil water feature & lush landscaping. Attached 2-car garage, low annual HOA & convenient location near shopping, dining, trails &schools make this home an exceptional opportunity in one of Flagstaff's most sought-after communities.

2574 S Highland Mesa Road, Flagstaff

$465,000

7018383 MLS

Let your Vision become a reality when you build a Custom Dream Home on this amazing .64-acre lot in the Highly Sought-after Walnut Ridge Neighborhood! This prime parcel is conveniently located near an abundance of amenities. Enjoy a short walk to the Continental Country Club's Championship Golf Course, Swimming Pools, Fitness & Recreation Centers & is only an 8 iron away from the Par 3 Pitch & Putt. A huge bonus is you're also just moments from the popular neighborhood restaurant, ''The Oakmont.'' This lot backs State Trust Land, offering unparalleled privacy & access to all four seasons of outdoor enjoyment, including hiking & biking trails. As an owner of this parcel, you are eligible to purchase a recreational pass to the Continental Country Club. Reach out to your agent for more info!!

2197 N Running Deer Street Unit 1, Flagstaff

$469,000

1 Beds ⋅ 1 Baths ⋅ 7008711 MLS ⋅ 810 SqFt.

Exceptional investment and student housing opportunity in highly desirable Downtown Flagstaff. This luxury condo combines comfortable living with strong long-term value in one of Arizona's most in-demand markets. Located in the heart of downtown, you're just steps from renowned restaurants, boutique shopping, grocery stores, and Flagstaff's vibrant arts and entertainment scene. Walk to coffee shops, galleries, and local events--urban convenience and mountain lifestyle all in one location.

207 S Beaver Street Unit 203, Flagstaff

$610,000

3 Beds ⋅ 2 Baths ⋅ 6997791 MLS ⋅ 1,568 SqFt.

A sweet property on a larger lot in the coveted tree lined Pine Del neighborhood. This updated home has interior improvements that give true value: bright kitchen & bathrooms, LVP flooring, modern doors & windows, whole house water filtration system & stainless appliances. Two car level entry garage (read: no sliding on an icy hill in the winter!) plus covered back porch, water catchment, multiple sheds, & a fenced yard where all the birds sing to draw you home. Open a book, put your feet up, soak in the heat cranked out by that wood burning stove, & make this Flagstaff charmer yours.

73 Seneca Drive, Flagstaff

$175,000

2 Beds ⋅ 2 Baths ⋅ 6864492 MLS ⋅ 1,200 SqFt.

Located in a welcoming 55+ community, tucked among the peaceful tall pines of Northern Arizona with no neighbors on one side, this charming 2-bedroom, 2-bath home with 2 car garage offers a serene retreat for those seeking a quieter pace of life. This low-maintenance, move-in-ready home features a front and rear deck perfect for enjoying fresh mountain air, whether in the warmth of summer or the peaceful stillness of winter. Enjoy access to a clubhouse, pool and spa, with friendly neighbors and a tranquil setting just minutes from the conveniences of downtown Flagstaff. Monthly land lease is 1,495. All residents must apply with the Park Manager prior to an accepted contract. A perfect place to relax and unwind.

2401 W Route 66 -- Unit 55, Flagstaff

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.