Overgaard Homes with Buy Down Subsidy New Financing

Overgaard Homes with Buy Down Subsidy New Financing

Welcome to Overgaard, Arizona – a hidden gem nestled in the heart of Navajo County. This charming mountain town, located at an elevation of 6,500 feet, offers stunning views, crisp air, and a welcoming community. Overgaard is surrounded by the breathtaking beauty of the Apache-Sitgreaves National Forest, making it a paradise for outdoor enthusiasts. Whether you enjoy hiking, fishing, or simply soaking in the serene landscapes, Overgaard is the perfect backdrop for your next adventure.

The real estate market in Overgaard is thriving, and there has never been a better time to explore your options. One of the most exciting opportunities available is the Homes with Buy Down Subsidy New Financing program. This innovative financing option allows homebuyers to reduce their monthly mortgage payments, making homeownership more accessible and affordable. By utilizing this program, you can enjoy the comfort of your new home without the burden of high upfront costs.

Imagine settling into a cozy cabin or a charming single-family home, surrounded by towering pines and the sounds of nature. With the Buy Down Subsidy, your dream of owning a piece of Overgaard can become a reality. Whether you’re looking for a year-round residence or a seasonal retreat, the homes here cater to a variety of tastes and budgets.

Overgaard is not just a place to live; it's a lifestyle. Embrace the tranquility and beauty of this enchanting town while enjoying the benefits of modern financing options. Come discover your new home in Overgaard, where adventure and comfort await!

Newest Overgaard Homes with Buy Down Subsidy New Financing

$335,000
2 Beds ⋅ 2 Baths ⋅ 7038618 MLS ⋅ 971 SqFt.
Charming cabin retreat in Heber-Overgaard's cool pines. 972SF with soaring ceilings, loft, river rock wall, hardwood floors & clerestory windows. Metal roof, large composite wrap-around deck with tree views. Detached log-sided garage, 2-story Tuff Shed, greenhouse & garden area. Listing includes add'l lot behind w/12,087 SF (~0.55 acres combined) -- adjacent lot 12,189 SF also available. A full L-shaped assemblage possible for a total of nearly an acre. Star-filled skies, fresh mountain air & endless recreation -- hiking, fishing, lakes & off-road trails. Room for your RV & toys. Owner financing & lease-purchase available. Two hours from Phoenix. White Mountains at their best! They are calling, and the cool pines are waiting! At 6,600 feet in the White Mountains, Heber-Overgaard runs 25+ degrees cooler than the Valley -- close enough for a weekend, far enough to actually decompress. This is where Phoenix comes to breathe. Step out the door and you're minutes from world-class fishing at Woods Canyon, Willow Springs, and Show Low lakes. Hundreds of miles of hiking and off-road trails wind through the Apache-Sitgreaves National Forest. Hunting, stargazing, snowshoeing in winter -- outdoor recreation here isn't a weekend activity; it's a way of life. Star-filled skies cap every evening. Room for the RV, ATVs, and all the gear that makes mountain life actually work. The greenhouse and garden beds support a slower, more intentional lifestyle many are specifically seeking when they head up the mountain. The back lot connects directly to the home's existing setup -- privacy, breathing room, and options including building an additional home. Separate parcel already. There is also an adjacent lot available from the same owner for a full L-shaped assemblage of 3 lots. One seller, clean title, creative terms available. Owner financing and lease-purchase terms negotiable. Free and clear--if conventional financing has been a barrier, this is worth a conversation. Some escapes are temporary. This one can be permanent!

2758 Zane Grey Boulevard, Overgaard
$670,000
3 Beds ⋅ 3 Baths ⋅ 6989206 MLS ⋅ 1,886 SqFt.
A Brand New Roof has been installed with 30 year architectural shingles with 30 year transferable workmanship warranty By Right Way Roofing. Beautifully Maintained 3 bed 2.5 bath 1886 Sq Ft 2 story house with master down stairs. Lots of storage. On a approximate .50 acre in a NO HOA area. with Covered deck on three sides and 12x35 patio cover on the back. Fenced back yard . Crawl space has walls spray foamed Lots of Tall Pine trees. Also has a detached 30x42 garage/shop that is heated and insulated , Owner Agent.

2010 Christmas Pine Road, Overgaard
$1,099,000
3 Beds ⋅ 3 Baths ⋅ 6854195 MLS ⋅ 2,744 SqFt.
Looking for your perfect escape from triple-digit summers? This modern mountain retreat in Overgaard sits at 6,600 feet elevation, where cool pines replace scorching pavement and the Mogollon Rim becomes your backyard. And getting here just got easier: the seller is offering private financing at 4% interest with 25% down, and is open to trading for a home in the Phoenix metro area. Two creative paths to ownership, one extraordinary destination. The unforgettable Mogollon Rim views steal the show in this modern mountain retreat, designed to bring nature to your doorstep, which is best experienced in person. Perched on a private, firewise corner lot, this south-facing stunner features expansive glass doors, multiple wood balconies, and sleek interior finishes including solid oak flooring, peacock slate bathrooms, and a premium LG kitchen with induction range. A full guest studio with private entry, kitchen, and bath offers flexible living for guests, multigenerational households, or even summer cooking. Step inside and you'll feel it immediately: this is not just a home... it's a retreat. A place to reset, reconnect, and unwind. South-facing windows frame an ever-changing panorama of the Mogollon Rim, with sunlight dancing through the trees and into the heart of the home. The open-concept great room flows seamlessly to outdoor decks perfect for sipping coffee at sunrise, sharing wine at sunset, or simply breathing in the fresh mountain air. Whether you're entertaining or savoring quiet solitude, nature is always in view. The main kitchen is as refined as it is functional, featuring granite counters, sleek cabinetry, and top-of-the-line LG appliances including an induction cooktop with air-fry feature. A second full kitchen on the lower level offers added convenience, doubling as a summer kitchen or a fully independent suite for long-term guests. Planning to age in place, accommodate varying mobility levels, or just enjoy an easier way to bring up your gear and groceries? The built-in elevator provides smooth access to the upper level -- perfect for second homeowners, multigenerational living, or those who simply prefer an effortless lifestyle. Bathrooms are elevated with spa-like slate and granite finishes, walk-in showers, river rock floors, upgraded fixtures, and fan timers. From the heated, epoxy-coated garage and programmable thermostats to the seamless rain gutters and leveler blinds, no detail was overlooked. A central vacuum system, 200-amp electric service, and electric water heaters with timers add to the home's quiet efficiency. Roof is composite with a lifetime manufacturer's guarantee. Outside, fire-resistant native landscaping blends beauty with safety, while a rounded driveway ensures ease of access year-round. Central A/C keeps you comfortable through every season. Whether you're seeking a high-end primary residence or a lock-and-leave second home, this one-of-a-kind property offers the lifestyle you've been dreaming about. Photos can't fully capture the calm. Drive through the neighborhood. Sit on the balcony. Feel what it's like to live above it all.

2943 E Lookout Lane, Overgaard
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.