Payson Homes with Conventional New Financing

Located in Gila County, Arizona, Payson is a charming city that offers a perfect blend of natural beauty and modern amenities. Situated amidst the breathtaking landscapes of the Mogollon Rim, Payson is a haven for outdoor enthusiasts and nature lovers. With its mild climate, stunning mountain vistas, and proximity to national forests, this city is a paradise for those seeking an active and adventurous lifestyle.

Payson is known for its welcoming community, making it an ideal place to settle down and call home. The city offers a range of housing options, including homes with conventional new financing. Whether you're a first-time buyer or looking to upgrade your current home, Payson has a variety of properties to suit your needs.

With conventional new financing, homebuyers can enjoy the benefits of flexible loan terms, competitive interest rates, and the ability to customize their home to their liking. Payson's real estate market offers a diverse selection of homes, from cozy single-family houses to spacious luxury estates. No matter your budget or preferences, you're sure to find a home that fits your lifestyle in Payson.

In addition to its real estate offerings, Payson boasts a vibrant downtown area with a range of shops, restaurants, and entertainment options. The city also hosts numerous events and festivals throughout the year, providing residents with ample opportunities for community engagement.

If you're looking for a place that combines small-town charm with natural beauty, Payson, Arizona, is the perfect destination. With its homes with conventional new financing and an abundance of outdoor recreational activities, this city offers a quality of life that is hard to beat.

Newest Payson Homes with Conventional New Financing

$424,000

3 Beds ⋅ 2 Baths ⋅ 7085959 MLS ⋅ 1,433 SqFt.

211 N Heritage Lane, Payson

$429,000

3 Beds ⋅ 2 Baths ⋅ 7085957 MLS ⋅ 1,582 SqFt.

Beautifully updated 3-bedroom, 2-bathroom home tucked into the pines of Payson North. Sitting on a spacious, fully-fenced double lot with no HOA, this property offers the space, privacy, and flexibility that's tough to find at this price point. Inside, you'll find fresh, modern updates throughout, making this home truly move-in ready. The versatile Arizona room adds bonus living space perfect for a home office, sunroom, or extra entertaining area, while the attached garage and additional carport provide ample covered parking and storage for vehicles, toys, or a workshop. The fully fenced double lot is a rare find in this price range plenty of room for pets, kids, RV/boat parking, gardening, or future expansion. Enjoy Payson's Payson's cool pine-country climate, with easy access to hiking, the Rim Country, and small-town charm just a short drive from the Valley. Whether you're looking for a primary residence, a mountain getaway, or an investment property, this home checks all the boxes: updated interior, extra covered parking, and tons of usable outdoor space.

1209 N Gila Drive, Payson

$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

$450,000

3 Beds ⋅ 2 Baths ⋅ 7085745 MLS ⋅ 1,310 SqFt.

Come home and relax in this well-maintained single-level 3 bedroom, 2 bath home with a comfortable split floor plan. The backyard is where you'll want to spend your evenings, with a covered patio, built-in seating area and beautiful hot tub; perfect for unwinding after a long day. A newer roof and exterior paint add peace of mind, while the large storage shed and RV parking with an RV gate provide plenty of extra space and convenience. A home that's easy to enjoy and ready for its next chapter.

605 N Wilderness Trail, Payson

$1,386,000

3 Beds ⋅ 4 Baths ⋅ 7085023 MLS ⋅ 3,932 SqFt.

The Rim Golf Club and the dramatic Granite Dells views. Elegance and mountain grandeur converge at this exceptional residence in the coveted Rim Golf Club, where refined architecture and breathtaking natural beauty create a living experience of rare distinction. Positioned on an elevated homesite, the home commands unobstructed southern views of the iconic Granite Dells--towering stone formations that glow with color as the light shifts throughout the day. Every window frames a living masterpiece, immersing the interior in the serenity and drama of Rim Country's most celebrated landscape. The home's design blends timeless sophistication with warm mountain character, offering a seamless flow between intimate living spaces and expansive outdoor terraces. High ceilings, rich materials, and High ceilings, rich materials, and artful craftsmanship define the interiors, while the thoughtful layout ensures both comfort and effortless entertaining. A newly installed HVAC system enhances the home's year-round livability, complementing its already impressive level of care and quality. Outdoors, multiple patios invite quiet mornings, sunset gatherings, and evenings under a canopy of stars. The surrounding pines and sculpted rock formations create a sense of privacy and tranquility rarely found within a luxury golf community. Residents of the Rim enjoy access to world-class golf, fine dining, and a welcoming clubhouse environment, all set within one of Arizona's most exclusive gated enclaves. This is more than a home it is a retreat of enduring beauty, offering a lifestyle defined by luxury, nature, and the unmatched setting of the Rim Golf Club.

3101 E Mayfield --, Payson

$2,449,000

3 Beds ⋅ 5 Baths ⋅ 7085022 MLS ⋅ 5,368 SqFt.

Beautifully positioned along the 17th fairway of the award-winning Rim Golf Club, this exceptional home offers luxury living with stunning mountain and golf course views. Thoughtfully updated throughout, the floorplan blends style and functionality with seamless indoor-outdoor living. The main level features a chef's kitchen that opens to the great room, a full bar, and accordion doors that extend the living space onto an expansive patio. The outdoor area is designed for year-round enjoyment with a built-in Wolf BBQ, outdoor propane heating, and a gas fireplace. The spacious primary suite includes dual walk-in closets and direct access to the rear patio. A formal dining room, wine room, butler's pantry, and custom office complete the main floor. Upstairs, a loft-style family room with new French doors opens to a large deck overlooking the fairway. Two generous en-suite bedrooms also offer deck access, providing guests with privacy and views. A four-stall garage ensures ample space for vehicles, storage, or golf carts. Don't miss the opportunity to own this remarkable home in one of Arizona's premier private golf communities.

703 S Shady Glade --, Payson

$975,000

4 Beds ⋅ 4 Baths ⋅ 7084471 MLS ⋅ 2,615 SqFt.

Welcome to your own private mountain retreat in the sought-after Chaparral Pines golf course community in Payson, Arizona. Surrounded by towering Ponderosa pines and the beauty of Arizona's Rim Country, this thoughtfully designed cabin offers a spacious main living level plus a separate downstairs apartment--perfect for guests, extended family, a home office, or additional private living space. The main level features an inviting split-bedroom floor plan, vaulted ceilings, and expansive windows that fill the home with natural light while bringing the surrounding pine forest indoors. The generous primary suite offers a large bedroom and private bath, while two additional guest bedrooms and a guest bathroom provide comfortable accommodations for family and friends. Read more: A convenient half bath completes the main living level. Below, a separate apartment with its own private entrance beneath the deck offers exceptional flexibility. The space includes a kitchenette, living room, dedicated office area, full bathroom, closet, and an additional room that can be used as guest quarters, storage, or whatever best suits your needs. Step outside and enjoy everything the Chaparral Pines lifestyle has to offer, including golf, tennis, pickleball, swimming pools, kids' camps and activities, all within a private community surrounded by nature. Just beyond the neighborhood are miles of hiking opportunities and the peaceful beauty of Payson's tall pine forests. Whether you're looking for a full-time mountain home, a weekend escape, or a place where family and friends can gather, this cabin offers space, privacy, flexibility, and an authentic Rim Country lifestyle.

2303 E Scarlet Bugler Circle, Payson

$310,000

2 Beds ⋅ 1 Baths ⋅ 7083990 MLS ⋅ 897 SqFt.

Escape to the mountains and discover your own private slice of Rim Country! Nestled among towering pines in peaceful Colcord Mountain Estates, just 30 minutes east of Payson, this beautifully updated 2-bedroom, 1-bath cabin sits on a spacious ½-acre lot with incredible mountain views.Step inside to a bright, open layout featuring soaring vaulted ceilings, beautiful flooring, modern updates, and a cozy wood-burning stove perfect for chilly mountain evenings. A large picture window brings the outdoors in, filling the living space with natural light while showcasing the surrounding forest and mountain scenery. Outdoor living is just as impressive with an extra-long covered patio made for morning coffee, afternoon relaxation, and evenings under the stars. MORE... The oversized 3-car garage offers plenty of room for vehicles, toys, and storage, plus a dedicated workshop bay for projects and hobbies.Whether you're looking for a full-time mountain home, weekend getaway, or peaceful escape from the Valley heat, this property has it all--privacy, views, fresh mountain air, tall pines, and plenty of room to enjoy the Arizona mountain lifestyle!

254 S Blackfoot Road, Payson

$399,000

3 Beds ⋅ 2 Baths ⋅ 7083770 MLS ⋅ 1,906 SqFt.

Gorgeous cabin get away. Calm community and ready for a perfect weekend retreat or full time home. Master bedroom is a good size with lots of closet space. Inside washer and dryer and loft area for an additional bedroom or living space. Kitchen and half bath could use some updating, otherwise the home has good bones. There is a hand painted mural in the living room with a stuffed bear that conveys. Oversized lot .46 acre, the land adjacent with the storage unit and mini storage sheds is part of this property.

436 W Blackberry Lane, Payson

$38,500

7083758 MLS

Build Your Dream Home in Chaparral Pines! This lot is priced to sell! Nestled in one of Payson's most desirable gated golf communities, this beautifully treed lot is the perfect place to build your future life. The gentle slope makes for easy building, while towering pines create a private, tranquil setting with a peek-a-boo view of the 2nd fairway. Just a short distance from the Clubhouse and Recreation Complex, you'll have easy access to dining, the driving range, two pools, a fitness center, and a full slate of special interest classes to keep your days full and social. Add in tennis and volleyball courts, a dog park, and a playground for visiting grandkids, and there's something for every season of life here. With Payson's mild four-season climate, you'll enjoy nearly year-round golf and the kind of relaxed, active lifestyle retirement or seasonal living was made for. This is more than a lot, it's your next chapter, waiting to be built. Seller is motivated and priced it below comps to reflect that.

2810 E Coyote Mint Circle Unit 55, Payson

$145,000

7083498 MLS

Beautiful 0.25-acre homesite in the desirable new subdivision of North Peak Hills, offering great views of the town and the Granite Dells. This lot features a natural mix of trees and distinctive boulders, adding character and charm to the property. A full set of plans is included with a strong offer, providing a head start on bringing your vision to life. Don't miss this opportunity to build your dream home in a scenic and sought-after location!

521 N Peak Loop Unit 32, Payson

$650,000

4 Beds ⋅ 2 Baths ⋅ 7083378 MLS ⋅ 2,028 SqFt.

There are homes near the forest and then there are homes where the back gate opens directly into it. At 1900 W Fairway Lane, Tonto National Forest is your backyard, Payson Golf Club is directly across the street, and the best of Rim Country living begins at home. Set on a fully fenced .36-acre cul-de-sac lot with no HOA, this updated single-level residence offers approximately 2,028 square feet with four spacious bedrooms, two remodeled bathrooms and a dedicated office/bonus room. Inside, the home feels warm, open and full of character. Vaulted ceilings and wood-look flooring lead into a generous living area centered around a wood-burning fireplace with barnwood and corrugated-metal accents, built-ins and abundant storage. The remodeled kitchen combines extensive distressed cabinetry, tile countertops, a deep double farmhouse sink and Samsung Smart appliances. An adjoining dining area surrounded by windows brings in beautiful natural light, while the well-equipped laundry room adds cabinetry, a folding counter and utility sink. The flexible floor plan is designed for real life. The fourth bedroom includes its own exterior entrance--an excellent option for guests, a private workspace, studio or hobby room. The primary retreat offers exceptional storage with a walk-in closet, second closet and linen closet. Its custom bath stands apart with dual sinks and a large tiled walk-in shower featuring rain and handheld showerheads and a decorative frosted wilderness-scene window. An adjoining bonus room opens directly to the patio. Outside, the property becomes an experience of its own. Dine beneath the covered patio, unwind in the spa, enjoy the pond and water feature, or grow your own harvest in two fenced garden areas. Established apple, peach, plum and pomegranate trees are joined by grapevines, blackberries and raspberries. The permanent two-story site-built chicken house with metal roof can also provide substantial storage or hobby space. An RV gate and parking in both the front and backyard provide room for a boat or trailer. The two-car garage includes a workbench, shelving and cabinets. The roof was replaced in 2018, the exterior was painted in 2020 and the water heater was replaced in 2021. City water and public sewer complete the practical advantages. Green Valley Park, historic Main Street, local shops and restaurants are all close by. A home with this much space and flexibility is special; one with the forest through the back gate and golf across the street is something altogether different.

1900 W Fairway Lane, Payson

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