Forest Lakes Homes with FHA New Financing

Forest Lakes Homes with FHA New Financing

Welcome to Forest Lakes, a charming city nestled in the heart of Coconino County, Arizona. Known for its picturesque landscapes and tranquil atmosphere, Forest Lakes is the perfect place to call home.

If you're looking to buy a home in Forest Lakes, you'll be pleased to know that there are plenty of options available with FHA New Financing. This means that you can take advantage of low down payments and flexible credit requirements to make your dream of homeownership a reality.

Forest Lakes offers a variety of housing options to suit every taste and budget. From cozy cabins surrounded by towering pines to modern homes with all the latest amenities, there's something for everyone here. Whether you're a first-time homebuyer or looking to upgrade to a larger space, Forest Lakes has it all.

In addition to its beautiful homes, Forest Lakes also boasts a range of amenities and attractions. Nature enthusiasts will love exploring the nearby Coconino National Forest, with its miles of hiking and biking trails, camping spots, and breathtaking views. The city also offers easy access to a variety of outdoor activities, including fishing, boating, and skiing in the winter months.

With its scenic beauty, affordable housing options, and abundance of recreational activities, Forest Lakes truly is a hidden gem in Coconino County. Don't miss out on the opportunity to call this wonderful city home. Start your search for a home with FHA New Financing in Forest Lakes today and make your homeownership dreams come true.

Newest Forest Lakes Homes with FHA New Financing

$1,250,000
3 Beds ⋅ 2 Baths ⋅ 7046586 MLS ⋅ 1,952 SqFt.
Welcome to this extensively remodeled mountain retreat, offering 1,952 square feet of thoughtfully updated living space. Originally built in 1985, this home underwent a comprehensive renovation in 2025, with improvements extending from the foundation to the roof. Major structural and environmental upgrades include foundation leveling and reinforcement, professional mold remediation, asbestos remediation, repaired roof trusses, rodent-proofing and sealing, insulation throughout interior and exterior walls, and a 2025 metal roof on both the home and garage. Inside, the home has been completely transformed with drywall, fresh paint, updated electrical systems, PEX plumbing, luxury vinyl plank flooring, recessed lighting, dimmer switches, doors, smoke detectors, and four energy-efficient mini-split heating and cooling units installed in 2026. Two electric fireplaces and bathroom heaters provide additional comfort throughout the year. The beautifully updated kitchen features quartz countertops, stainless steel appliances, a dishwasher, garbage disposal, modern lighting, and abundant workspace for entertaining family and guests. A tankless propane water heater ensures efficient hot water service. Designed to accommodate large gatherings, this spacious 3-bedroom, 2-bath home comfortably sleeps 14-16 guests. Additional features include a downstairs tub, ceiling fans, screened windows, in floor electrical outlets upstairs, updated closets, and a dedicated utility room complete with a convenient dog-wash station. Outdoor enthusiasts and RV owners will appreciate the covered 40-foot RV parking area with 50-amp electrical hookups, water service, septic cleanout, and a generous 14-foot width. The property also offers grey-water plumbing for the washer and a wraparound deck, creating the perfect setting to enjoy mountain air and outdoor living. As a unique bonus, the home was professionally Feng Shui'd in September 2024 by Master Steven of Golden Spring Feng Shui, bringing intentional balance and harmony to the living environment. This is a rare opportunity to own a fully renovated mountain home where virtually every major system and component has been upgraded, providing peace of mind and modern comfort for years to come.

2186 Snow Trail, Forest Lakes
$499,900
2 Beds ⋅ 1 Baths ⋅ 7041803 MLS ⋅ 1,152 SqFt.
Welcome to your dream mountain escape! Nestled on a rare, sprawling 1-acre lot in the highly sought-after Forest Lakes community, this charming 2-bedroom, 1-bathroom cabin offers the perfect blend of rustic comfort and pristine nature. Built in 1981, the home features a cozy, timeless cabin feel with plenty of room to breathe. The crown jewel of this property is its unbeatable location--directly backing the majestic National Forest. Step out your back door into endless scenic views, towering pines, and peaceful wildlife. The massive lot provides ultimate privacy and includes 2 large storage sheds, perfect for all your mountain toys, tools, or workshop needs. Whether you are looking for a cool summer getaway or a cozy winter retreat, this forest-side gem is ready for its next chapter.

2716 Rim Loop, Forest Lakes
$735,000
3 Beds ⋅ 2 Baths ⋅ 7030892 MLS ⋅ 2,178 SqFt.
Built in 2008, this gorgeous 2178sf, single level, ranch style home sits on one acre amongst towering pine trees. Kitchen offers an abundance of custom wood cabinetry and granite countertops. There is a gas range, refrigerator, dishwasher, pantry and kitchen island with eat-in dining area, so plenty of room for all your friends and family! The living area has a pellet stove. Master bedroom is spacious and has a walk-in closet. Bathroom has a 2 person jetted tub, steam shower and single vanity. Two additional bedrooms with this split floor plan and the second bedroom has dual purpose with craft cabinets. Third bedroom and the guest bathroom has a tub-shower combo and both bathrooms have urinals. Enjoy a bonus room that is currently utilized as a home gym. There is a whole house central vacuum system, water purifier, sourrond sound speakers and security system with cameras. Large laundry room includes the washer and dryer. You will enjoy outdoor living with a covered front porch and a massive covered back deck. Children will enjoy their own custom built tree house! Metal building is 32x25, 800sf with a large generator, which can be your 4 car garage or workshop. House and playhouse have metal roofs. This is a beautiful place to call home!

1233 Merzville Road, Forest Lakes
$444,900
3 Beds ⋅ 1 Baths ⋅ 7028045 MLS ⋅ 1,056 SqFt.
Nestled among towering Ponderosa Pines this charming 1,056 square foot cabin at 2190 Old Rim Rd offers a perfect blend of rustic character and practical living. Set on a generous 1.05-acre lot, this three bedroom, one-bathroom retreat provides ample space to create your mountain escape. The cabin's great room serves as the heart of the home, featuring a wood-burning fireplace that creates a warm, inviting atmosphere during cool Arizona evenings. The eat-in kitchen provides functionality while maintaining the cabin's cozy aesthetic. A spacious storage room offers versatility - envision transforming it into an indoor laundry area or expanding the primary suite with an additional bathroom. Outdoor living is emphasized with a welcoming porch perfect for morning coffee while taking in the natural surroundings. The property's expansive grounds provide numerous opportunities for gardening, outdoor recreation, or simply enjoying the forest setting. Gather around the backyard fire pit on summer evenings for storytelling and stargazing with family and friends. Practical amenities include a convenient storage shed for outdoor equipment, circular driveway & covered carport offering abundant parking for residents and guests. Plus an RV spot with 30amp hook up, water access and rv dump. The property includes laundry hookups, ensuring modern convenience in this mountain setting. Forest Lakes Estates presents an idyllic location for nature enthusiasts, with nearby lakes providing exceptional opportunities for fishing, boating, and waterfront relaxation. The absence of HOA restrictions allows homeowners complete freedom to personalize their property according to their vision. There is also a full time Fire Dept. / EMS, community center, library, 2 general stores and restaurant/bar. If you need more options make the 20-30 min commute to Heber or back to Payson. Act now to own a piece of Arizona's mountain heritage while creating new memories in a tranquil forest setting. The home is rich in history yet ready for new beginnings, this cabin awaits your personal touch to transform it into your ideal mountain retreat.

2190 Old Rim Road, Forest Lakes
$695,000
3 Beds ⋅ 2 Baths ⋅ 7016644 MLS ⋅ 1,834 SqFt.
Unique four-season home nestled in the Sitgreaves National Forest at ~7,500 ft, just 125 miles from downtown Phoenix. Features include a 4-car garage, circular driveway, 2 sheds, and a cleared Ponderosa Pine lot with post & rail fencing. Inside offers a family room, wood-burning fireplace, pellet stove, baseboard heat, a dedicated dining area seating 8-10, and an enclosed 4-season porch. Located approx. 1/10 mile from Tom Tank ponds for fishing. Enjoy a community center, library, year-round activities, Chevelon Butte School with bussing, full-time fire department, USPS, and county-maintained roads. No HOA; voluntary association.

2499 Canyon Drive, Forest Lakes
$535,000
3 Beds ⋅ 2 Baths ⋅ 6998408 MLS ⋅ 1,392 SqFt.
Secluded rustic cabin on the coveted south side of Forest Lakes Estates. Tucked away at the end of a quiet cul-de-sac on the highly sought-after South Side of Forest Lakes Estates, this charming 3-bedroom, 2-bath cabin offers the perfect blend of rustic character, modern comfort, and exceptional privacy. Set on just over an acre of towering pines, it's the ideal retreat from the hustle and heat of city life. Inside, the open-concept layout welcomes you with a spacious great room featuring soaring vaulted ceilings, warm wood-slat paneling, and dramatic dark wood beams that add both charm and architectural interest. The kitchen, which opens directly to the great room, is designed with ample counter space and cabinetry--perfect for meal prep while still staying connected to family and guests. Whether you're cooking up breakfast or entertaining a crowd, the space is both functional and social. An elevated front porch provides a serene perch to take in stunning views of the property and the surrounding forest, where you can regularly spot deer, elk, and other wildlife. Downstairs, the guest bathroom includes a separate stand-alone shower and an oversized spa tub for the ultimate in relaxation. Upstairs, the private primary suite features a walk-in closet with a built-in safe and an ensuite bathroom with a shower/tub combo. The beautifully wooded grounds are dotted with garden beds ready for planting, and a chicken coop is already in place for those interested in raising hens. Additional features include a separate storage shed and a stand-alone, oversized heated garage ideal for a workshop, storing off-road toys, or tackling projects year-round. Located just a scenic two-hour drive from Phoenix, Forest Lakes offers a refreshing escape with average summer temperatures in the mid-70s. Known for its strong sense of community and family-friendly events, it's a place where you can truly unwind and reconnect with nature. Whether you're looking for a weekend escape or a full-time residence, this secluded cabin checks all the boxes. Come experience the peace, cooler climate, and endless outdoor recreation that make Forest Lakes such a treasured mountain destination. *Please note that one or more photos in this listing have been virtually staged to illustrate furniture layout options. The home is currently vacant and ready for your personal touch.

151 Deer Trail, Forest Lakes
$699,900
3 Beds ⋅ 2 Baths ⋅ 6994856 MLS ⋅ 1,350 SqFt.
Escape to the high country and discover this beautifully upgraded mountain cabin tucked away in Forest Lakes, Arizona -- the most coveted four-season retreat just two hours from the Valley. Situated on a peaceful lot backing to the Forest Service and surrounded by towering pines, this move-in-ready getaway blends rustic charm with thoughtful modern upgrades, including off-grid capability thanks to a full solar system with inverter and battery backup. This charming cabin has been extensively renovated inside and out, ensuring peace of mind and comfort in every season. Major improvements include a new roof (2021), rebuilt septic system, upgraded drainage with stem walls and concrete apron, and new vapor barriers to protect the foundation. A newly added stone exterior, spark arrestor, and security system with night-vision cameras, motion sensors, and Starlink internet offer both style and safety. Inside, the home features a stunning new kitchen with raised ceilings, recessed lighting, new appliances, cabinets, and countertops, the perfect space to entertain or unwind. The living room boasts a gorgeous reclaimed "wormy chestnut" wood ceiling from Tennessee, treated in a kiln for preservation, plus a new fireplace with swing-arm cooking feature for off-grid adventures. New flooring, updated electrical and plumbing, fresh paint, and insulation upgrades ensure year-round comfort. Both bathrooms have been tastefully improved, including a new vanity downstairs. Additional features include new security screen doors, motion floodlights, rodent- and bird-proofing, and a fully cleaned landscape with dead tree removal. Whether you're looking for a weekend hideaway or a self-sustaining full-time mountain home, 341 Pinto Rd offers the rare combination of rustic style, high-end upgrades, and the freedom to live off the grid in Arizona's most pristine alpine community.

341 Pinto Road, Forest Lakes
$649,900
3 Beds ⋅ 2 Baths ⋅ 6992996 MLS ⋅ 1,339 SqFt.
Welcome to your perfect tall-pines retreat in Forest Lakes -- a beautifully updated 3 Bed / 2 Bath cabin that is truly move-in ready and designed for easy, relaxed mountain living. Set on a coveted south-side corner lot (with fewer homes and added privacy), this lovingly maintained cabin offers thoughtful upgrades and a layout that simply works. The property features a 3-way entry driveway with pull-through access, making camper or trailer storage simple and stress-free. The large detached garage provides plenty of room for your forest toys -- ATVs, kayaks, bikes, and all the gear that comes with cabin life. The spacious front porch is made for slowing down. Morning coffee in the cool mountain air, summer dinners with friends, or quiet evenings listening to the breeze through the... ... pines, this is where memories are made. Inside, the home offers an open-concept layout where the kitchen, dining, and family room all flow together comfortably in one welcoming space. The newly remodeled kitchen is perfect for gathering -- imagine the kids lined up at the island for weekend pancakes while you cook in your beautifully updated kitchen. From here, you can easily watch the family in the living area or keep an eye on the kids heading in and out to the porch. The family room is warm and inviting, anchored by an adorable freestanding wood-burning stove and offering another easy access point to the porch -- ideal for entertaining, hosting holidays, or simply cozying up after a day outdoors. Rustic wood walls add authentic cabin charm while maintaining a clean, refreshed feel throughout. The owner's bedroom suite is a rare and special feature for the area. Generously sized, it includes dual "his and hers" closets and its own private bathroom -- something not commonly found in Forest Lakes. The en-suite bath has been newly remodeled with a beautiful walk-in shower and a convenient laundry/storage area. Two additional bedrooms share a separate guest bath with a tub/shower combo, offering comfort and convenience for family and visitors. Major updates have already been completed, including a tankless water heater, so you can enjoy modern efficiency with mountain charm. The home is being offered mostly furnished (a detailed list will be provided), making your transition into cabin life simple and seamless. Beyond the home itself, the lifestyle is what truly sets this property apart. Just a two hour scenic drive from Phoenix, you can revel in the world's best summer weather with average temps in the mid 70's and a true 4 season climate to enjoy year round. Forest Lakes is surrounded by towering pines, scenic hiking trails, nearby streams, peaceful lakes for fishing, and abundant wildlife. The community is welcoming and close-knit, hosting frequent family-friendly social events throughout the summer -- adding to the true vacation feel of the area. If you've been dreaming of a well-cared-for cabin where everything has been thoughtfully updated and meticulously maintained -- a place where you can simply unpack and start living -- this Forest Lakes retreat delivers the relaxing mountain lifestyle you've been waiting for.

1777 Forest Trail, Forest Lakes
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