Pinetop Homes with FHA New Financing

Pinetop Homes with FHA New Financing

Welcome to Pinetop, a charming town nestled in the heart of Navajo County, Arizona. Known for its breathtaking natural beauty and small-town charm, Pinetop offers residents a peaceful and serene setting to call home.

With homes eligible for FHA New Financing, buying a home in Pinetop has never been easier. Whether you're a first-time homebuyer or looking to upgrade to your dream home, FHA financing provides a flexible and affordable option for purchasing a property in this picturesque town.

Pinetop boasts a variety of housing options, from cozy cabins surrounded by towering pines to modern homes with stunning mountain views. No matter your style or budget, there's a home in Pinetop to suit your needs.

In addition to its beautiful homes, Pinetop offers residents access to a range of outdoor activities, including hiking, fishing, and skiing. The town's close-knit community and welcoming atmosphere make it a great place to raise a family or enjoy a peaceful retirement.

If you're looking for a home in a stunning natural setting with easy financing options, look no further than Pinetop, Arizona. Experience the beauty and tranquility of this charming town and find your perfect home in the heart of Navajo County.

Newest Pinetop Homes with FHA New Financing

$599,000
3 Beds ⋅ 2 Baths ⋅ 7064191 MLS ⋅ 1,522 SqFt.
Your own cabin in the woods on a double lot awaits! Situated in the beautiful White Mountains of Arizona, this charming 3-bedroom, 2-bathroom retreat features pine tree views out every window. Enjoy huge front and rear decks for morning coffee or evening stargazing, plus a fenced pet yard for your furry companions. Located in Pinetop Lakes Country Club, residents enjoy full Recreation Center privileges -- clubhouse, pool, court sports, gym, and so much more. Whether you're seeking a weekend escape or a full-time mountain lifestyle, this home is ready to make memories. Don't miss your chance to own a slice of Arizona mountain paradise!

7048 Moon Creek Circle, Pinetop
$398,000
2 Beds ⋅ 1 Baths ⋅ 7063334 MLS ⋅ 1,036 SqFt.
Beautifully maintained mountain cabin in Pinetop! This charming single-level retreat features 2 bedrooms, 1 bathroom, and a spacious great room with an open, welcoming feel. The lush, fenced backyard offers a peaceful setting for relaxing, entertaining, or enjoying the fresh mountain air. A one-car garage provides convenient parking and storage. Enjoy Pinetop Lakes Association membership with recreation center privileges and amenities. Being sold fully furnished, this turnkey property is ready for immediate enjoyment as a vacation getaway, investment property, or year-round home.

6048 Pitch Fork Lane, Pinetop
$798,000
2 Beds ⋅ 3 Baths ⋅ 7062715 MLS ⋅ 2,504 SqFt.
Experience the best of mountain living in this beautifully remodeled, fully furnished retreat nestled in the highly sought-after Pinetop Lakes Country Club, complete with Rec Center privileges. Nestled on a beautifully landscaped, heavily treed corner lot, this meticulously maintained 2-bed, 2.5-bath home with a spacious loft offers 2,504 SqFt of comfortable mountain living. Step inside to an inviting great room featuring soaring vaulted ceilings, elegant crown molding, abundant natural light, and a cozy gas fireplace. The open-concept floor plan flows seamlessly into the dining area and spacious eat-in kitchen, creating the perfect space for entertaining family and friends. Designed for both comfort and flexibility, the home features 2 generously sized primary suites. Each primary suite features a private ensuite bathroom. The main-level suite offers the convenience of single-level living, while the expansive upstairs suite includes a sitting area, four oversized closets, including dual walk-in closets, and ample space with the potential to create an additional bedroom, office, craft room, nursery, or playroom. The oversized loft overlooks the great room and provides exceptional versatility as a media room, home office, game room, or additional guest accommodations. Four finished storage rooms offer incredible organization and space for hobbies, a workshop, or seasonal storage. Handicap accessibility adds even more convenience. Outdoor living is just as inviting with spacious covered front and back decks featuring low-maintenance Trex-style decking, perfect for enjoying the cool mountain air, peaceful surroundings, and towering ponderosa pines throughout every season. Additional features include luxury vinyl plank flooring, Leaf Guard gutters, an oversized 2.5-car garage with abundant built-in cabinetry, and an extended garage bay that provides additional storage or workshop space. Thoughtful updates make this home truly move-in ready. The home was professionally remodeled in 2018 with the assistance of a custom designer, and central air conditioning was added at that time. A new roof was installed in 2024 and includes a transferable warranty. Natural gas service was added in 2025 along with a new furnace, and a new water heater was also installed in 2025. The easy-care landscaping includes drip irrigation that has been professionally serviced and winterized annually. Pride of ownership is evident throughout every detail of this exceptional property. One of the home's most valuable features is its Recreation Center privileges, offering access to an impressive array of amenities including a swimming pool, hot tub, fitness center, pickleball, tennis, volleyball, basketball, shuffleboard, game room, water aerobics, Pilates classes, arts and crafts, and year-round community events and activities. Located in the heart of Arizona's White Mountains, Pinetop Lakes Country Club offers the ideal balance of mountain serenity and outdoor recreation. Residents enjoy hiking, biking, golfing, fishing, boating, wildlife, and cool four-season weather. The area is home to more than 40 lakes, over 600 miles of rivers and streams, one of the Southwest's largest trail systems, and Sunrise Park Resort, just 40 minutes away for skiing, snowboarding, and winter adventures. Whether you're searching for a full-time residence, a lock-and-leave vacation home, or a peaceful mountain retreat, this exceptional property offers the very best of mountain living in one of Arizona's premier communities.

6378 Christmas Tree Circle, Pinetop
$449,000
3 Beds ⋅ 2 Baths ⋅ 7061129 MLS ⋅ 1,310 SqFt.
Surrounded by Tall Pines in the COOL, PEACEFUL, PINETOP COUNTRY CLUB, this Remodeled 3 Bed/ 2 Bath Home w/ Tongue & Groove Vaulted Ceilings & a Wood Burning Fireplace, Can Be Your Escape from the Hustle & Bustle of City Life. Located Deep in the Country Club, on a Quiet Road, you'll be Serenaded by the Wind Through the Pines , the Chattering of Squirrels and the Singing Birds. Take a Walk..Enjoy a Bike Ride....No Busy Roads Here...This Home is located Near the Areas Beautiful Hiking Trails, Lakes & Sunrise Ski Area, making it a Wonderful Opportunity for Both Seasonal & Full Time Living. Skylights Brighten the Home During the Day while the Wood Burning Fireplace Sparkles & Crackles During those Chillier Moments. Cherry Cabinetry, Quartz Countertops, Spacious Rooms & an Attached Garage..

8239 Buck Springs Road, Pinetop
$339,500
3 Beds ⋅ 1 Baths ⋅ 7061122 MLS ⋅ 1,216 SqFt.
Escape to the pines with this ''priced to sell'' charming A-frame cabin offering the perfect blend of mountain character and everyday comfort. Nestled on a fully fenced lot surrounded by mature ponderosa pines, this property features a covered front porch, wood shed, storage shed, and plenty of room to park an RV. With no HOA, it's an excellent opportunity for a primary residence, vacation getaway, investment property, or short-term rental. Inside, you'll find a warm and inviting living room centered around a cozy wood-burning stove. The spacious kitchen features solid maple cabinetry, granite countertops, abundant storage, and a convenient eat-in dining area. Durable flooring and window blinds throughout provide low-maintenance living. The thoughtfully designed floor plan includes a main level primary bedroom, while two generously sized guest bedrooms are located upstairs, offering privacy for family and visitors alike. Whether you're looking for your first home, a second home, or an investment opportunity, this inviting cabin delivers comfort, character, and the peaceful lifestyle of the White Mountains. As an added bonus, the seller is including a Buyer Bonus Home Warranty through Fidelity National Home Warranty, offering added peace of mind for the new owner.

1709 E Gobbler Peak Lane, Pinetop
$585,000
2 Beds ⋅ 2 Baths ⋅ 7059406 MLS ⋅ 1 SqFt.
Beautiful, very well maintained townhome in Quality Hill at Pinetop Lakes Country Club. Relax on the back deck overlooking the gorgeous greenbelt and listen to the sounds of the waterfall and running water. Picture windows in the comfortable living room with gas fireplace offers views galore. This home features two large bedrooms (either could be used as the master) Full bath downstairs with walk in shower. Full bath upstairs with a jetted tub. Plus a large loft. Also has a private, fenced courtyard. This home is being offered fully furnished move in turn key ready! Quality Hills features an amazing rec center for entertaining, working out or just hanging out with friends. Pinetop Lakes golf course is a short walk away.

3712 Crown Dancer Drive, Pinetop
$400,000
3 Beds ⋅ 2 Baths ⋅ 7058787 MLS ⋅ 1,994 SqFt.
Beautifully remodeled 3-bedroom, 2-bath townhouse with a 2-car garage, spacious upstairs loft, and soaring vaulted ceilings that create an open, airy feel. Nestled among the tall pines, this community offers a clubhouse and scenic lake. The interior has been completely refreshed with fresh paint, luxury vinyl plank flooring throughout the main living areas, and plush carpet in the bedrooms. The stunning kitchen features light-stained shaker cabinetry, quartz countertops, stainless steel appliances, a gas range, built-in microwave, and modern finishes throughout. The family room is highlighted by a vaulted ceiling, cozy electric fireplace, and direct access to a covered patio. Two secondary bedrooms and a beautifully remodeled full bathroom are conveniently located downstairs. Upstairs, the private primary suite offers a spa-inspired bathroom with a custom tiled shower, dual-sink vanity, updated mirrors, and designer lighting. The versatile loft provides the perfect space for a home office, media room, fitness area, or playroom. Move-in ready with designer finishes throughout!

3186 E Rainbow Lane, Pinetop
$489,000
3 Beds ⋅ 2 Baths ⋅ 7055766 MLS ⋅ 2,050 SqFt.
This is Your White Mountain Chalet! An industrial theme cabin retreat sits under tall pines on a corner lot in Pinetop Country Club Vista. With NO HOA, unmatched flexibility! A vacation or long-term rental, or full-time home, No rental restrictions. Inside, deep vaulted ceilings with T&G woodwork for a warm, cabin tone. The open floor plan is anchored by a charming pellet stove and polished quartz countertops. A versatile bonus room completes the interior, to serve as a home office, gym, guest room, or whatever you desire. Outside, soak up the sun on the open deck, gather for meals under the covered outdoor dining area, or unwind on the private back patio, a fully enclosed backyard perfect for pets. And a Heated Garage! Mountain memory-making moments await. Come experience it for yourself.

4211 Pinetree Lane --, Pinetop
$739,900
4 Beds ⋅ 2 Baths ⋅ 7055150 MLS ⋅ 2,640 SqFt.
This truly distinctive Pinetop mountain retreat brings together warm rustic character, thoughtful updates and an exceptional lifestyle. Offering approximately 2,640 square feet with four bedrooms, two bathrooms and flexible bonus space, the home is designed for gathering, relaxing and enjoying every season in the White Mountains. The heart of the home is the bright, open great room, where the remodeled kitchen, dining area and living space flow together. Hickory cabinetry, quartz countertops, updated appliances, newer flooring and refreshed finishes create a comfortable, move-in-ready setting while preserving the home's mountain charm. A wood-burning stove adds warmth and atmosphere on cool evenings. Large windows and sliding glass doors open to the expansive deck, creating a wonderful indoor-outdoor connection with plenty of room for dining, entertaining or simply enjoying the peaceful pine setting. Upstairs, dramatic architectural lines, wood ceilings and exposed beams create a one-of-a-kind retreat with additional bedrooms and a versatile loft area ideal for games, reading, hobbies, an office or extra guest space. The attached two-car garage offers more than parking, with a substantial storage loft for seasonal items, outdoor gear and mountain toys. Recent improvements include extensive interior updates, exterior painting, deck work, bathroom updates, new lighting, electrical upgrades and flooring improvements. The location completes the lifestyle. Walk or take the golf cart to Pinetop Lakes Golf & Country Club for golf, dining and community events. A short drive away, the Pinetop Lakes Association Recreation Center offers a swimming pool, fitness facilities, pool tables, games for children, Pilates and other exercise classes, sports courts, social activities and popular Saturday pancake breakfasts, all included through the community's low annual association fee. Whether enjoyed as a full-time residence, second-home getaway or gathering place for family and friends, this home offers space, personality and a mountain lifestyle that is difficult to duplicate.

3163 Viking Trail, Pinetop
$499,000
3 Beds ⋅ 2 Baths ⋅ 7054532 MLS ⋅ 1,706 SqFt.
Perfectly positioned on one of the most desirable lots in a private Pinetop Country Club community, this beautifully maintained, fully furnished 3-bedroom, 2-bath stand-alone condo offers the ideal combination of privacy, comfort, and mountain living. Backing to a heavily treed open space where no one can build, the property is surrounded by mature pines, lush landscaping, and thoughtfully planted trees that create a peaceful, secluded setting. The covered back deck was intentionally designed for the original owners to maximize privacy, making it the perfect place to enjoy your morning coffee, entertain friends on cool summer evenings, or simply relax and take in the fresh mountain air. Inside, the bright open-concept floor plan welcomes you with soaring vaulted tongue-and-groove ceilings, warm log accents, and a beautiful gas fireplace that creates the perfect gathering space year-round. The desirable split floor plan offers privacy for both owners and guests, while spacious rooms and large windows fill the home with natural light and bring the beauty of the surrounding pines indoors. The well-appointed kitchen is ideal for entertaining, featuring abundant custom cabinetry, generous counter space, and convenient bar seating that flows seamlessly into the dining area. Just beyond, the dining room opens to the private back deck, creating the perfect indoor-outdoor living experience. The oversized primary suite is a peaceful retreat with private access to the back deck, a spacious ensuite bathroom with dual vanities and a large walk-in shower, and an impressive oversized walk-in closet. Two additional generously sized guest bedrooms and a full guest bath provide comfortable accommodations for family and friends. Whether you're searching for a full-time residence or a turnkey mountain getaway, this exceptional property offers the perfect blend of comfort, privacy, and timeless mountain charm. Enjoy everything Pinetop Country Club and the White Mountains have to offer, including golf, hiking, fishing, skiing, dining, and endless outdoor recreation, then return home to your own peaceful retreat surrounded by towering pines and protected open space. * New Hot Water Heater 2026 * Newer Kitchen Fridge - 2024 but only used for 6 weeks. * On the list for a new roof with the HOA **** Pinetop Crossing offers the perfect blend of mountain serenity and lock-and-leave convenience. Nestled within the highly desirable Pinetop Country Club, this private gated community is surrounded by majestic ponderosa pines and beautifully maintained grounds, creating a peaceful setting you'll love coming home to. Spend your days golfing, hiking, fishing, off-roading, skiing, or exploring the countless outdoor adventures the White Mountains are known for, then relax knowing the HOA takes care of exterior maintenance so you can spend more time enjoying the mountain lifestyle. Whether you're searching for a full-time residence, a weekend escape, or a seasonal retreat, Pinetop Crossing is one of the area's most desirable communities, offering privacy, convenience, and the timeless charm that makes Pinetop such a special place to call home. **** Discover the White Mountains of Arizona--where adventure, beauty, and fresh mountain air come together. Enjoy four stunning seasons, 40 lakes, and 600+ miles of rivers and streams, perfect for fishing, kayaking, and exploring. Hit the trails on one of the largest trail systems in the Southwest, or spend winter days at Sunrise Ski Resort, just 40 minutes away with three mountains of skiing, snowboarding, and sledding. Love shopping or culture; wander through antique shops, summer arts & craft fairs, and lively music festivals. Golfers can tee off at seven scenic courses, including three public gems. It's no wonder Pinetop-Lakeside was voted the "Best Cabin Region in the U.S." The White Mountains--Arizona's best-kept secret. Come explore and embrace the MAGIC!

2964 Timberline Road, Pinetop
$619,500
3 Beds ⋅ 3 Baths ⋅ 7054320 MLS ⋅ 1,828 SqFt.
Incredible opportunity to own a turnkey Pinetop Country Club vacation home that is nestled on an oversized corner lot. This mountain getaway is completely ready for your immediate enjoyment. Recently updated, fully and tastefully furnished, it is a 3-bedroom, 3-bath home that provides mountain charm with open spacious rooms of modern comfort. It is designed to make you feel at home the moment you walk through the door. As you enter, you'll notice stunning high tongue-and-groove ceilings with multiple skylights throughout to make this alpine haven especially bright and spacious. Warm wood inspired flooring flows throughout the living spaces that creates character that perfectly complements the mountain lifestyle. The inviting living and dining room areas are anchored by a cozy large gas fireplace, creating the perfect place to gather on cool mountain evenings and snowy winter nights. Expansive windows fill the home with natural light and frame beautiful views of the towering pines from most rooms bringing the outdoors in and creating a peaceful setting throughout. The versatile kitchen is both stylish and functional, featuring beautiful stone countertops, walk-in pantry, and a coffee serving bar. Bay windows create a designated dining area cozy but also open for more seating when needed. There are two master bedroom suites with an oversized primary suite complete with a generous ensuite bath, dedicated office space ideal for working remotely, and a large walk-in closet with abundant storage. Guests will appreciate the oversized secondary bedroom with its own ensuite, offering comfort and privacy for visitors or multi-generational living. Step outside on the large premium synthetic back patio complete with a large grill, bar and easy- care outdoor furniture. perfect for morning coffee, evening gatherings, or simply enjoying the cool mountain air. The generously treed backyard is framed by rustic lodge pole fencing keeping pets and children secure for enjoyment. Landscaping with yard swings, birding station, pines, cedars and aspens provide additional natural beauty to the surrounding. The two-car garage provides additional storage and you'll also find ample outside parking is available for RV's, campers, etc. Being sold fully furnished, this incredible property is truly move-in ready--simply bring your personal belongings and start making memories. Located one street from a convenient Apache-Sitgreaves Nat'l forest trail and just minutes from golf, hiking, fishing, dining, and year-round recreation, this home offers more than a place to live--it offers the mountain lifestyle you've been dreaming about.... Don't miss your chance to own the perfect Pinetop escape!

7507 Tall Pine Drive, Pinetop
$445,000
2 Beds ⋅ 2 Baths ⋅ 7052961 MLS ⋅ 1,307 SqFt.
Beautifully crafted 2-bedroom, 2-bath plus loft home in the highly sought-after White Mountain Club Estates, offered fully furnished and completely turnkey. This 1,307 sq. ft. retreat showcases soaring vaulted ceilings, dramatic floor-to-ceiling windows that fill the home with natural light, and an inviting open-concept design. Step outside to the spacious half wraparound deck, partially covered for year-round enjoyment, where you can relax beneath the towering pines. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this exceptional home offers timeless charm just minutes from golf, hiking, fishing, dining, skiing, and everything Pinetop has to offer. Comes with Tesla charging station

3035 S Wapiti Lane, Pinetop
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