Forest Lakes Homes with VA Loan New Financing

Forest Lakes Homes with VA Loan New Financing

Welcome to Forest Lakes, a charming community nestled in the heart of Coconino County, Arizona. This picturesque town offers a tranquil escape from the hustle and bustle of city life, with its serene forests and stunning natural landscapes.

For those looking to make Forest Lakes their home, there are plenty of options available, including homes that qualify for VA loans. With VA loan financing opportunities, eligible homebuyers can take advantage of favorable terms and benefits to make their dream of homeownership a reality.

Whether you're looking for a cozy cabin retreat or a spacious family home, Forest Lakes has a diverse range of properties to suit every lifestyle. Imagine waking up to the fresh mountain air, surrounded by tall pines and the sounds of nature – this is the everyday reality for residents of Forest Lakes.

In addition to its natural beauty, Forest Lakes offers a close-knit community atmosphere, where neighbors become friends and every day feels like a retreat. With easy access to outdoor activities such as hiking, fishing, and camping, there's always something new to explore in this idyllic town.

If you're ready to make Forest Lakes your home, let us help you find the perfect property to suit your needs. Contact us today to learn more about available homes with VA loan financing options and start your journey to living in this enchanting Arizona town.

Newest Forest Lakes Homes with VA Loan New Financing

$2,495,000
4 Beds ⋅ 3 Baths ⋅ 7061426 MLS ⋅ 3,000 SqFt.
Nestled within the serene embrace of the Sitgreaves National Forest in Forest Lakes, Arizona, discover a truly exceptional custom single-level cabin home currently under construction, offering an unparalleled blend of rustic elegance and modern luxury. This is more than a home; it's a private sanctuary where the majestic towering Ponderosa Pine trees are your neighbors and the whisper of the wind through the pines is your soundtrack. Exquisite Craftsmanship and Unrivaled Quality From the moment you arrive, the attention to detail is evident. The home's facade boasts over 3700 square feet of stone accents and facade, creating a striking and harmonious connection with its natural surroundings. A grand custom wrought iron and steel entry

500 Mule Springs Trail, Forest Lakes
$425,000
2 Beds ⋅ 1 Baths ⋅ 7054277 MLS ⋅ 960 SqFt.
Escape the Phoenix heat to this charming mountain retreat in Forest Lakes. Located just an easy two-hour drive from the Valley, this high-elevation getaway offers scenic beauty and refreshing summer temperatures in the mid-70s. Tucked off the beaten path and away from the busier neighborhood roads, this property enjoys minimal traffic and low dust, offering true peace and quiet. The cabin delivers that perfect, cozy cabiny aesthetic alongside a complete interior remodel. The inviting living space features warm spruce walls and ceilings, new luxury vinyl plank flooring throughout, a new wood-burning stove, and new windows that fill the home with natural light. Practical updates provide absolute peace of mind, including a new water heater, a beautifully tiled shower, and a fully fire-w ... lot. Outside, the attached deck is perfect for enjoying the cool mountain weather, and the property includes two storage sheds. Whether you are looking for a weekend escape or a turnkey mountain getaway, this adorable Forest Lakes gem is ready for its next chapter.

2486 Bailey Drive, Forest Lakes
$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
$499,900
2 Beds ⋅ 1 Baths ⋅ 7032419 MLS ⋅ 1,152 SqFt.
Tucked away on the quiet loop of Mineral Drive, surrounded by stunning multi-million dollar cabins and towering ponderosa pines, this true log cabin is the kind of place people dream about when they imagine escaping to Forest Lakes. From the moment you arrive, the cabin vibes are undeniable...warm wood tones, the scent of pine in the air, and that cozy feeling that instantly makes you want to slow down & stay awhile. The covered front deck invites lazy mornings with coffee while the rear open deck is perfect for cool summer evenings under the stars. Inside, the cabin lives just right..a welcoming family room centered around a wood-burning stove, a charming kitchen, bathroom, & French doors leading into the main bedroom. Upstairs, the spacious sleeping loft offers additional room for guests game nights, or peaceful afternoons listening to the wind through the trees. This is the perfect weekend getaway..large enough to enjoy comfortably, yet small enough that you won't spend your weekends cleaning and maintaining. A storage shed onsite provides extra room for your mountain gear and outdoor essentials. If you've been searching for the epitome of cabin living in Forest Lakes, this is it.

1448 Mineral Drive, 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
$800,000
3 Beds ⋅ 3 Baths ⋅ 7027350 MLS ⋅ 2,500 SqFt.
Your new mountain retreat is waiting in Forest Lakes. Turn out of the cul de sac and be welcomed by an expansive deck perfect for your morning coffee but is large enough for family gatherings. A walk-out basement serves as both a second living space and bunk house with four single beds and two double beds. The main level features an open concept kitchen, dining and living room flooded with natural light from floor to ceiling windows. A full bathroom and two generous sized bedrooms complete the main level. Up the stairs to the loft area master bedroom and sitting room with dual closets and a spacious bathroom with separate shower and garden tub. The fenced backyard allows space for pets and kids to roam. The detached two car garage provides space for parking and your mountain toys.

2233 Mulberry Drive, Forest Lakes
$399,900
3 Beds ⋅ 2 Baths ⋅ 7021764 MLS ⋅ 1,207 SqFt.
RARE FOREST-BORDER PROPERTY WITH 1.11 ACRES OF FULLY USABLE LAND. Opportunities like this don't come around often in Forest Lakes. This 3-bedroom, 2-bath cabin sits on a premium 1.11-acre lot that directly borders the Apache-Sitgreaves National Forest..giving you unmatched privacy, breathtaking views, and true backyard access to endless miles of trails and untouched wilderness. Even better? The land is flat, fully usable, and incredibly versatile--a great find in this area. Whether you envision additional outdoor living spaces, RV/UTV parking, future expansion, or simply wide-open space to enjoy, this property delivers the flexibility buyers are searching for. Imagine stepping outside your back door into the forest... morning walks under towering pines, elk and wild horses passing through, and cool mountain air that feels worlds away from the Valley heat. This is the lifestyle people come to Forest Lakes for. Inside, the cabin offers a warm and inviting retreat: Cozy family room with a wood burning stove, Open-concept layout connecting living, dining, and kitchen areas, Split floor plan for privacy, Spacious primary suite with ensuite bath, Two guest bedrooms and full bath for family or visitors. Out front, enjoy a peaceful deck perfect for coffee at sunrise or relaxing evenings under the stars. A large storage container provides excellent space for tools, gear, or UTV parking--and both furnishings and container are negotiable, making this a potential turn-key escape. Priced near land value, this is an incredible opportunity to own a forest-border property with usable acreage, something that's becoming harder and harder to find. You truly couldn't buy the land and build for this price. Whether you're looking for a weekend escape, full-time living, or an investment in Arizona's cool pines, this property offers space, privacy, and direct connection to nature in one of Forest Lakes' most sought-after settings. This isn't just a cabin, it's your gateway to the forest.

668 Mule Springs Trail, 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
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