Sedona Homes with Owner May Carry New Financing

Located in Yavapai County, Arizona, Sedona is a picturesque city that offers a unique blend of natural beauty and cultural attractions. Known for its stunning red rock formations, Sedona is a popular destination for outdoor enthusiasts and those seeking a peaceful retreat.

Sedona is nestled in the heart of the Coconino National Forest, providing residents with access to countless hiking trails, scenic drives, and breathtaking viewpoints. Visitors can explore iconic landmarks such as Cathedral Rock, Bell Rock, and Snoopy Rock, which offer unparalleled views of the surrounding desert landscape.

Apart from its natural wonders, Sedona is also renowned for its thriving arts scene. The city is home to numerous art galleries, studios, and theaters, showcasing the work of local and international artists. Visitors can immerse themselves in the vibrant art community by attending art festivals, workshops, and live performances.

For those interested in real estate opportunities, Sedona offers a unique option called Homes with Owner May Carry New Financing. This financing arrangement allows potential buyers to purchase a property with the help of the current owner, who acts as the lender. This can be an attractive option for individuals who may not qualify for traditional bank loans or prefer a more flexible financing arrangement.

Whether you're looking to explore the natural wonders of Sedona or consider purchasing a home with owner financing, this city has something to offer for everyone. Its stunning landscapes, vibrant arts scene, and unique real estate options make Sedona a truly special place to live or visit.

Newest Sedona Homes with Owner May Carry New Financing

$1,200,000

7088787 MLS

Lot 17, Mystic Heights: Cathedral Rock, Bell Rock, The Sisters and Lee Mountain, all from one homesite. This .805-acre premium VIEW lot sits in Sedona's most coveted gated enclave, with uninterrupted panoramic views from virtually any vantage point you choose. That means the architecture works around the view, not the other way around. The groundwork is done: underground utilities, electric, high-speed internet, community sewer and water are all at the lot line. Now the real advantage. Land loans are nearly extinct, so the SELLER WILL FINANCE with 35% down. Choose a 3-year balloon at 2.75% or a 5-year balloon at 5.25%. Lock in the rate, keep your capital for the build, and design the home these views deserve. Lots like this don't come back. Once you walk it, you will want to build.

31 Jefferson Court Unit 17, Sedona

$397,000

7088784 MLS

Lot 10, Mystic Heights: Where Vision Meets Landscape. Some places invite architecture. Others demand it. Mystic Heights is a 40-acre gated Sedona enclave where homes don't just rise from the red earth, they belong to it. Lot 10 is a .89-acre cul-de-sac homesite and one of the most attainable ways into this sought-after community, with nothing sacrificed: unobstructed Red Rock views, natural terrain, and real privacy. Underground utilities run to the lot line, with sewer and water provided by Mystic Heights. Now the part that sets it apart: SELLER WILL FINANCE with 35% down. Choose a 3-year balloon at 2.75% or a 5-year balloon at 5.25%. Skip the land-loan hurdles and put your capital into the home itself. Bring your architect. The canvas is waiting.

135 Hilltop Road Unit 10, Sedona

$695,000

7088259 MLS

THE BEST BUY at Mystic heights! Welcome to Sedona's most extraordinary ultra-luxury gated community. Within earshot of Oak Creek, Mystic Heights enjoys some of the most breath-taking panoramic views on the planet. Lot 21 has it all. Bordering US National Forest, this elevated, mostly level, parcel revels in its unobstructed red rock views. The marvelously designed and well-appointed community is nearly surrounded by Coconino Forest and features underground utilities, high-speed internet, electricity, community sewer, and water to the lot line. Incredible private financing available: 35% down at 2.75% for three years or 5.25% for five years. An amazing bargain. A Development Report from Casa Natural Builders for the parcel, including a cost analysis of the lot prep.

44 Jefferson Court Unit 21, Sedona

$950,000

7088256 MLS

Gorgeous parcel at Mystic Heights, Sedona's extraordinary, ultra-luxury, gated community. Close to Oak Creek & US Nat'l Forest, tucked high above the rest of the subdivision. Boasting some of the best panoramic views anywhere in Sedona, Lot 14 also enjoys a fairly level building site. The marvelously designed community is nearly surrounded by Coconino Nat'l Forest & features underground utilities, high-speed internet, electricity, sewer, & water to the lot line. Less than a 15-minute drive into town. You can have it all. Ask for AZ Public Report. Incredible private financing available: 35% down at 2.75% for three years or 5.25% for five years.

140 Hilltop Road Unit 14, Sedona

$367,000

7083690 MLS

Exclusive Mystic Heights corner lot prime for your dream home construction. This 37 parcel gated subdivision is nestled into a secluded area giving you privacy, seclusion and stunning views, yet only minutes to all amenities. Abundant natural vegetation, views, and an gently slopped for a driveway makes for an easy build of that dream home you have always wanted. With a short walk to National Forest, you can enjoy all the natural beauty the high desert has to offer and take in the mystique of the red rocks and their ever changing colors.

90 Hilltop Road Unit 29, Sedona

$795,000

7083684 MLS

This premier lot is the ''prized jewel'' estate lot in in the private, gated community of Mystic Heights due to it's perched location and panoramic views. This relatively flat lot offers an eagle's eye view of the entire area and is arguably the best lot surrounded by other luxury level lots that will be populated by upper tier homes with high values. All utilities are installed to the lot line- including private water and sewer. Majestically private, minutes to Sedona and walking distance to outstanding hiking trails. Build your dream home and be part of Sedona's Premium Luxury Subdivision.

130 Hilltop Road Unit 15, Sedona

$398,000

7077896 MLS

Come discover the coveted and gated Cross Creek Ranch . . . one of Sedona's finest neighborhoods. Ample parcel spans 2.25 acres with National Forest just across the street and the tumbling waters of Oak Creek and private trail access just a couple of lots away. This great location offfers a vey generous, nearly level buiding site with all utilities available in the street. Surrounded by multi million dollar homes, this private community offers an inviting connection with nature. Walk, fish, swim and relax in your private section of Oak Creek! A must see for the discriminating buyer. Also, owner may carry the financing with 25% down at 5% interst for 5 years.

240 Cross Creek Circle Unit 71, Sedona

$3,200,000

4 Beds ⋅ 4 Baths ⋅ 7076688 MLS ⋅ 3,900 SqFt.

Framed by some of Sedona's most breathtaking panoramic red rock views, this newly constructed August 2026 architectural masterpiece redefines modern luxury living. Set within an exclusive gated neighborhood on nearly 1/2 acre, the approximately 3,900 SF residence captures its dramatic surroundings through walls of glass that blur the line between indoors and out. Designed for effortless living, the 4-bedroom, 4-bath floor plan includes an office, flexible media/recreation room, and a spa-inspired primary suite with steam shower. The gourmet chef's kitchen is a showpiece with custom Rift Cut Oak cabinetry, waterfall quartz, premium professional appliances, and exceptional craftsmanship throughout. Luxury, privacy, and iconic Sedona views. List of amenities attached to MLS documents. Ask about the ONLINE BROCHURE and UNBRANDED VIDEO posted on Vimeo. Home is virtually staged & furniture not included. Option for buyer to add on options. - All furniture/art virtually staged in photos - Builder to provide credit to Buyer for custom closets - Elevator can be an option (not included in price)

26 El Camino Tesoros --, Sedona

$2,200,000

4 Beds ⋅ 4 Baths ⋅ 7072850 MLS ⋅ 3,237 SqFt.

Come enjoy the splendor of sweeping, panoramic Red Rock Views that bathe this home in stunning vistas. Just a few steps from National Forest access for hiking & biking! Soaring 18' open beamed ceilings in the living/gerat room create an airy and inviting space. Five bedrooms plus a separate family room afford wonderful options for office, media room, guests and more. Awesome, open, island kitchen offers hand made custom cabinetry & upscale countertops, appliances and appointments. Fabulous outdoor living from three patios; all blessed with outstanding views. Swimming pool, spa, waterfall & lovely shade gazebo too on this ample .885 acre parcel. Updated bathrooms and large laundry/mud room. Beautiful stained glass accents throughout this lovely home that rests in a coveted neighborhood. Expansive garages for 10+ cars, spanning approximately 1800 square feet.

285 Navajo Trail, Sedona

$195,000

7059746 MLS

Beautiful, easy build lot in the exclusive subdivision of Michaels Ranch. This near acre lot backs to forest service land and comes with ready-made landscaping with its large trees in back. Views of Schuerman mountain and wildlife abound nestled in a peaceful community of just 42 lots and just 5 miles outside of West Sedona. Topo, perc (conventional allowed), and prelim site survey are done. Architectural plans for a large stunning Mediterranean build are included. Seller will consider owner financing.

60 Chrysona Lane Unit 5, Sedona

$299,000

7058808 MLS

Location! Panoramic Red Rock views in every direction, this pristine 0.53-acre parcel in Sedona's exclusive Foothills South is graced with ancient native trees, shrubs & wildflowers. Natural Gas, City Sewer, Underground Electricity, Cable & Internet are all available and ready to go. Seller Financing may be available. Imagine your architectural masterpiece and quiet retreat in one of the most beautiful locations on Earth boasting sweeping red rock views, perfect climate & fresh, clean, pine-scented air. Foothills South is a gated, luxury, private subdivision surrounded on two sides by the spectacular & diverse Coconino National Forest where wildlife & the beauty of nature abound. Forest Service trail access is just ½-block SW of the property and leads to endless hiking & mt biking trails. The breathtaking, world-renowned beauty of Sedona is captured perfectly on this unique parcel, where peace & beauty endure, yet you are conveniently close to fine dining, shopping & City of Sedona amenities. There is no constraint on build time, so buy now and manifest your dream home later. This gorgeous parcel is a rare find as most lots in Foothills South are already developed with opulent homes in a variety of architectural styles. Prices of sold homes in the past 2 years ranged from $1,299,000 to $4,040,000. Minimum square footage required is 2,200 sf. The native trees & lush vegetation on the property are considered part of a remnant chaparral ecosystem, leftover from when Sedona was a great, shallow ocean 330 million years ago. You can still find seashells on the limestone ledges & in the red soil. This is a Once-In-A-Lifetime Opportunity to enjoy vast Sedona red rock views from your custom retreat for decades to come. Plan your private tour today.

163 El Camino Real -- Unit -, Sedona

$2,248,000

4 Beds ⋅ 4 Baths ⋅ 7038533 MLS ⋅ 3,084 SqFt.

EXCITING NEWS!! Property appraised for over list price. Nestled within Sedona's prestigious Cross Creek Ranch, 10 Amber Cliffs Way is a contemporary desert sanctuary where architecture and nature exist in perfect harmony. Surrounded by panoramic red rock vistas and framed by sweeping views of Cathedral Rock, this custom-built residence offers sophisticated indoor-outdoor living, exceptional craftsmanship, and serene privacy on over two acres. Designed with enduring materials and thoughtful flexibility, the home combines modern luxury, energy-efficient construction, and a profound connection to the natural beauty that makes Sedona one of the Southwest's most coveted destinations. Located in a gated enclave bordering Red Rock State Park and near Oak Creek, the property offers exceptional privacy, direct access to nature trails, and a peaceful environment away from Sedona's tourist traffic. The community is known for its meadows, sycamore and cottonwood groves, historic irrigation channels, and easy access to both Sedona and Phoenix.

10 Amber Cliffs Way, Sedona

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