Payson Homes with Owner May Carry New Financing

Located in Gila County, Arizona, the charming city of Payson offers a picturesque setting surrounded by breathtaking natural beauty. Nestled in the heart of the state, Payson is known for its stunning landscapes, including the majestic Mogollon Rim and the scenic Tonto National Forest. With a population of around 15,000 residents, this close-knit community provides a peaceful and relaxed atmosphere that attracts both families and retirees alike.

One notable feature of the real estate market in Payson is the availability of homes with owner financing options. If you're looking for a more flexible financing solution, homes with owner may carry new financing could be an ideal choice. This means that the seller is willing to act as the lender, allowing buyers to purchase the property without going through a traditional mortgage lender. This arrangement can be particularly beneficial for individuals who may not qualify for a conventional loan or prefer a more personalized financing experience.

By opting for owner financing, buyers can often negotiate more favorable terms, including a lower down payment or a shorter loan term. This alternative financing option can open up opportunities for individuals who may have faced challenges in securing a mortgage through conventional means. Whether you're a first-time homebuyer or looking to invest in real estate, exploring homes with owner may carry new financing in Payson can be a smart choice.

In conclusion, Payson, Arizona, offers a delightful blend of natural beauty and a welcoming community. With homes available with owner financing options, prospective buyers can find the perfect property while enjoying more flexibility in their financing arrangements.

Newest Payson Homes with Owner May Carry New Financing

$159,900

2 Beds ⋅ 2 Baths ⋅ 7082042 MLS ⋅ 780 SqFt.

Tall Pine trees, large .45 acre lot with 2 bed, 2 bath mobile centrally located. A couple storage sheds, awning, seller is motivated for a quick sale.

311 E Juniper Street, Payson

$19,900

7079207 MLS

Beautiful 0.19-acre vacant lot in Payson. Located in Tonto Creek Shores and conveniently situated near the Tonto National Forest, with plenty of nearby outdoor recreation including hiking, fishing, and camping

XXXX S Cottonwood #460 Lane Unit -, Payson

$19,900

7079193 MLS

Beautiful 0.18-acre vacant lot in Payson. Located in Tonto Creek Shores and conveniently situated near the Tonto National Forest, with plenty of nearby outdoor recreation including hiking, fishing, and camping.

XXXX S Cottonwood #459 Lane Unit -, Payson

$675,000

7071633 MLS

600 S. Pine Stream - Lot 255 The Rim Golf Club. An extraordinary opportunity to own one of the most remarkable homesites in The Rim Golf Club. At 2.33 acres, Lot 255 is the largest homesite inside the gates of the Club, offering a combination of size, privacy, location, and views that simply cannot be replicated. Ideally positioned between the 8th and 11th holes, the property captures sweeping panoramic views of the surrounding mountains, golf course, and the picturesque pond on Hole 8. The generous acreage provides exceptional flexibility for designing a custom mountain home that takes full advantage of the dramatic setting while maintaining privacy and separation from neighboring properties. With its elevated views, expansive building envelope, golf course setting, and unmatched acreage 600 S. Pine Stream represents a truly one-of-a-kind opportunity within The Rim Golf Club. If you've been waiting for the right homesite to build something exceptional, this may be the one. Immediate building solutions and even owner carry finance options are available.

600 S Pine Strm -- Unit 255, Payson

$99,000

7071128 MLS

Rare GU zoned 1.87 Acre lot that allows up to 5 residential dwellings per lot. Panoramic views through the canyon and of the Mogollon Rim, 3 level building sites with water at the lower end of the lot and power available from top and bottom. There is an additional pad below that you can access from Paint Pony. The lower 2 areas (pads) are accessible from Paint Pony Dr., look for the meter West of Munsee Dr., see the 'cliff' at the top of the hill. Water meter is already installed!

1375 W Munsee Drive Unit 28, Payson

$550,000

7 Beds ⋅ 5 Baths ⋅ 7071112 MLS

Rare three unit opportunity in Payson ideal for a buyer seeking to live in one home while generating income from the others to offset ownership expenses. Situated on a 17,000 square foot lot at approximately 5,000 feet elevation, the property includes three detached manufactured homes on a quiet cul de sac surrounded by mature trees. Unit A: 1 bd, 1 ba with newer HVAC, LVP flooring, stainless appliances, W/D, shed, and covered carport. Unit B: 3 bd, 2 ba with remodeled primary bath, laminate floors, dual pane windows, central heat/air, mini splits, W/D, yard, shed, and shared garage. Unit C: 3 bd, 2 ba with vaulted ceilings, remodeled primary bath, central heat/air, mini splits, tankless water heater, carport, and shared garage. Conveniently located within walking distance to restaurants +

205 S Ponderosa Street, Payson

$750,000

3 Beds ⋅ 2 Baths ⋅ 7069934 MLS ⋅ 2,081 SqFt.

Beautiful Spruce Lam Beam log home with almost 2,100 sq. ft. on 1.61 acres surrounded by tall Ponderosa Pines and large windows showcasing the mountain views. The great room features a gas fireplace with custom log mantel, large windows, and access to the covered composite deck. The home has alder cabinets throughout, beautiful tongue-and-groove ceilings, and spruce accent walls. The spacious Primary Bedroom has an en-suite full bathroom with jetted tub, separate travertine-tiled shower and floors, and a large walk-in closet. The kitchen offers alder cabinets, granite countertops, a large island, RO system, space for a breakfast table, and access to the covered deck. There is also a separate formal dining area. Approximately 2+ years old are the roof, wood floors, carpet, and 50-gallon water heater. New HVAC installed February 2026. South side of home repainted May 2026. The 24' x 30' garage has two walls of floor-to-ceiling quality storage cabinets, plus room for a workbench or freezer and a sink. A 500-gallon grey water tank with electric pump provides water for shrubs and trees. Come sit on the large covered deck, enjoy the mountain views, and take in the cool Rim Country weather.

24 E Saddleback Trail, Payson

$699,000

4 Beds ⋅ 3 Baths ⋅ 7069738 MLS ⋅ 3,334 SqFt.

Don't Miss This Mountain Retreat! Back on market no fault of the home!! Tucked away in the pines yet only 30 minutes from downtown Payson, this stunning 3-story, 5 bedroom, 2.5 bath home is your ticket to escape the valley heat and embrace mountain living. Whether you're looking for a family getaway, a full-time residence, or a turnkey Airbnb investment, this property delivers comfort, space, and incredible lifestyle potential A home built for memories. The main floor offers a spacious primary suite with a cozy fireplace, while vaulted ceilings and a wall of windows flood the living room with natural light and serene forest views. Upstairs you'll find a roomy loft with its own bedroom and full bath, while the finished walkout basement provides two more bedrooms, a half bath.

199 S Greystone Circle, Payson

$1,158,000

9 Beds ⋅ 8 Baths ⋅ 7059923 MLS ⋅ 4,800 SqFt.

The property consists of a 1,800 SF, 3-bedroom/2-bath single-family home, six cabins, and two RV sites. HIGH PERFORMING OPPORTUNITY - 8 current units on 2.7 acres, priced under $150K per door at a 7.5 CAP. This high performing property includes an 1,800 sf rental house with a 850 sf deck overlooking the Rim plus 6 additional STR cabins and a full hookup RV spot, with room on the land to expand further.

1075 E Ranch Road, Payson

$205,000

7048235 MLS

APPROVED CUSTOM HOME PLANS WITH HUGE GARAGE INCLUDED! Desirable 1+/- acre lot in Chaparral Pines, with Tall Trees, unparalleled home plans included. Sewer tap fee already paid and transfers to buyer. Terrain conveniently slopes to the rear to accommodate custom home with walkout basement. Current home plans approved by Architectural Committee and the Town of Payson convey with the sale. Chaparral Pines is a guard gated golf community offering golf, fitness center, hiking, tennis, multiple pools and a dog park. Buyer must purchase a minimum Trailhead membership from Chaparral Pines Golf Club. Owner/ Agent

1806 E Cliff Rose Drive Unit 839, Payson

$3,295,000

7044954 MLS

Exceptional opportunity to acquire approximately 320 +/- contiguous acres with commanding Highway 87 frontage in the highly desirable Slate Creek / Mount Ord corridor, just south of Payson in Arizona's Rim Country. Rarely does a property of this scale, visibility, and zoning diversity come to market in this region. The site encompasses multiple zoning designations (C2, C1, and GR), providing outstanding flexibility for a wide range of commercial, mixed-use, recreational, and long-term investment concepts. Recreational property, Cabin sites, Nature Preserve, Hiking/Camping, Ranching, Mining, Forest Exchange, etc. C2 zoning supports highway-oriented commercial uses such as retail, office, medical, hospitality, and food and beverage, while C1 zoning allows neighborhood-scale retail and pro fessional services. GR zoning further enhances flexibility with allowances for low-density residential, agricultural, recreational, and specialty rural uses, creating a uniquely versatile entitlement profile across the property. The land offers dramatic Rim Country scenery, featuring varied topography, natural drainage corridors, existing access paths, and sweeping mountain and canyon views. Combined with substantial frontage and visibility along Highway 87, the property is well-positioned for phased development, creative site planning, or strategic land banking in a growing regional corridor. Located in unincorporated Gila County. Buyer to verify zoning, permitted uses, access, utilities, water availability, and development potential.

NKA Highway 87 -- Unit -, Payson

$350,000

3 Beds ⋅ 2 Baths ⋅ 7030286 MLS ⋅ 1,264 SqFt.

SELLER FINANCING AVAILABLE!! Escape to the cool pines with this low-maintenance, lock-and-leave retreat, perfect for a second home or weekend getaway. Featuring clean, modern finishes throughout, this home offers a fresh and inviting interior that's move-in ready. Designed with convenience in mind, the property allows you to spend more time enjoying Rim Country and less time on upkeep. Whether you're seeking a peaceful personal retreat or exploring the option of a long- or short-term rental when you're away, this property offers the flexibility to fit your lifestyle. A great combination of style, simplicity and investment potential, all in a desired location just outside of The Rim Golf Club! This is a twin home with a shared common wall. Seller Financing available for qualified buyer with minimum of 20% down payment - call listing agent for details.

2007 E Thunder Mountain, Payson

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