Payson Homes with Cash to Loan New Financing

Welcome to Payson, Arizona – a hidden gem nestled in the heart of Gila County, where the stunning landscapes of the Mogollon Rim meet the charm of a close-knit community. Known for its breathtaking natural beauty, Payson offers a unique blend of outdoor adventure and small-town warmth, making it an ideal place to call home.

Surrounded by towering pines and pristine mountain views, Payson is a paradise for nature lovers. Enjoy hiking, fishing, and camping in the nearby Tonto National Forest, or take a leisurely stroll through the town’s picturesque parks. With a mild climate and four distinct seasons, residents can relish the beauty of nature year-round.

Payson boasts a vibrant community spirit, with local events and festivals that bring residents together. From farmers' markets to art shows, there’s always something happening in this lively town. The friendly atmosphere and welcoming residents make it easy to feel at home.

For those considering a move to Payson, the real estate market is thriving. With homes available for cash-to-loan financing, it’s never been easier to make your dream of living in this enchanting town a reality. Whether you’re seeking a cozy cabin in the woods or a modern family home, Payson offers a range of options to suit every lifestyle and budget.

Explore the possibilities of homeownership in Payson, where the beauty of nature meets the comforts of community living. Your dream home awaits amidst the serene landscapes of Arizona’s Gila County!

Newest Payson Homes with Cash to Loan New Financing

$917,000

4 Beds ⋅ 4 Baths ⋅ 7085759 MLS ⋅ 3,976 SqFt.

Experience breathtaking views of Payson and the Mogollon Rim from this beautifully upgraded custom home on a .55 acre hilltop cul de sac lot. A dramatic wall of windows fills the living room with natural light, complemented by a cozy gas fireplace. The main level offers two private primary suites with updated baths and walk in closets, plus an office/den, grand foyer, and oversized utility room with pantry and workspace. Upstairs features two spacious bedrooms with a modern Jack and Jill bath and a versatile loft--ideal as a media or game room. The entertainment center conveys. Major improvements include owned solar, Andersen windows (2019), new siding and exterior paint (2019), roof replacements (2020-21), recessed LED lighting, three heat pumps (two new in 2023-24), additional mini splits, 2025 flooring, new washer/dryer, RV gate with 6 ft fencing, and added 220 power to the deck and garage. Outdoor living shines with a large west facing composite deck, new exterior doors and stairs, mature landscaping, pergola, and fully fenced yard with double gate. Extra gravel parking and an oversized two car garage with built ins add convenience. This home blends luxury, privacy, and panoramic mountain views for exceptional Payson living.

1002 N Hillcrest Drive, Payson

$435,000

3 Beds ⋅ 2 Baths ⋅ 7060783 MLS ⋅ 1,523 SqFt.

Move-in ready and in true mint condition! This beautifully maintained single level NO HOA, 2-bedroom, 2-bathroom home also features a versatile office/den, perfect for remote work or a quiet retreat. A charming walkway welcomes you inside, where rich flooring flows throughout an open, light-filled living area. The updated kitchen impresses with a stylish island, tile backsplash, and stainless-steel appliances, opening to a cozy breakfast nook with deck access ideal for morning coffee or evening sunsets. The primary suite offers a private en-suite bath and plenty of natural light, while a second spacious bedroom and dedicated office/den add valuable flexibility. The oversized 2-car garage provides extra storage and workspace. Tucked away in a peaceful, tree-lined setting, this home is a true gem!

1105 N Bavarian Way, Payson

$569,000

3 Beds ⋅ 3 Baths ⋅ 7051848 MLS ⋅ 1,838 SqFt.

Welcome home to this meticulously maintained 1,838 SF cream puff on a quiet, private cul-de-sac. Bright, cheery interior with 3-bdrms/flexible den, and 2.5 baths, all with ample storage and deep closets throughout. The kitchen shines with updated quartz countertops, the living room centers around a lovely fireplace, and outdoor living is effortless with a covered rear patio, gazebo and large storage shed. Garage includes built-in storage cabinets. Move in ready and lovingly cared for. Roofing replaced in 2019 on the home, storage shed and gazebo, HVAC unit replaced in 2021.

912 W Wagon Trail, Payson

$1,275,000

5 Beds ⋅ 4 Baths ⋅ 7049148 MLS ⋅ 3,946 SqFt.

Tucked away at the end of a cul-de-sac in the sought-after Chaparral Pines community, this exceptional mountain retreat blends rustic elegance with the comfort and functionality of a thoughtfully designed home. Inside, the spacious open-concept design is ideal for both everyday living and entertaining. The expansive Great Room flows into the gourmet kitchen, where a large center island naturally becomes the heart of every gathering. Whether hosting family for the holidays or enjoying a quiet weekend in the mountains, this home is designed to bring people together. With 5 bedrooms and 4 bathrooms, there's room for everyone. The split floor plan on the main level features a spacious primary suite with private access to the deck and charming gazebo, creating the perfect place to enjoy your morning coffee or unwind beneath the pines. A second main-level guest suite is thoughtfully positioned on the opposite side of the home, providing exceptional privacy for family and visitors. Upstairs, you'll find three additional bedrooms, including another guest suite, while the remaining two bedrooms share a well-appointed bathroom. Outside, the expansive deck with steamy hot tub overlooks a private, fully fenced backyard framed by towering pines, creating a serene setting for entertaining, relaxing, or enjoying cool mountain evenings. The oversized three-car garage has ample room for vehicles, a golf cart, ATVs, and all the gear that comes with mountain living. Extensive storage throughout the home, including a dedicated attic storage room, ensures everything has its place. Whether you're golfing at Chaparral Pines or The Rim Club, or just enjoying life in the tall pines, this home offers the perfect balance of mountain charm, generous living spaces, and modern convenience. This is more than just a home, it's a place to create lasting memories in one of Payson's premier gated golf communities.

304 N Grapevine Drive, Payson

$99,500

7001685 MLS

1.62-acre homesite located in the prestigious Rim Club in Payson. This wooded parcel offers a private setting among the tall pines and backs to the golf course, providing beautiful views and a serene environment. Ideal for a custom site-built home, with ample space to design and build. Enjoy cooler temperatures, natural surroundings, and access to one of the area's premier golf communities. Priced at $125,000.

203 S Rim Club Drive Unit 44, Payson

$600,000

4 Beds ⋅ 3 Baths ⋅ 6976791 MLS ⋅ 2,376 SqFt.

Seller Financing Available. Conventional, VA, FHA, DSCR. Only 9 years old (Built 2017) Quick move-in. Well maintained multigenerational Payson home offers panoramic mountain views and flexible living for today's lifestyle. The main living area is conveniently located on one level with laundry and access to a wraparound deck showcasing beautiful views. The lower level features a private suite with a walk-in shower, separate entrance, workshop, office, and kitchenette potential - ideal for multigenerational living, guests, a home office, or additional income potential. Extended length 2 car garage. No HOA. Enjoy peaceful mountain living and nearby schools and outdoor recreation while remaining within easy driving distance of shops, dining, golf-- and more.

102 N Lookout Point, Payson

$289,900

3 Beds ⋅ 2 Baths ⋅ 6817417 MLS ⋅ 1,770 SqFt.

Fully remodeled Home. New flooring, countertops, paint, ceilings, 3 bedroom, 2 baths, laundry, interior storage room, workshop, new exterior storage shed, enclosed front porch, open floorplan with kitchen, dining and greatroom. Nice 1/3 acre lot on a cul-de-sac. Open to property trade. 7/24/25 Competitve Market Analysis Value of $378,338 for similar properties within 2 miles. Adding two (2) HVAC units.

301 N Budweiser Circle, 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.