Surprise Homes with Cash to Loan New Financing

Welcome to Surprise, Arizona—a vibrant city nestled in Maricopa County, known for its warm climate, friendly community, and an abundance of recreational opportunities. Just a short drive from Phoenix, Surprise offers a perfect blend of suburban tranquility and urban convenience. With its picturesque parks, stunning golf courses, and lively community events, it’s no wonder that families, retirees, and young professionals are drawn to this charming locale.

Surprise boasts a rich array of amenities, from shopping and dining to entertainment and outdoor activities. The city is home to the Surprise Stadium, where baseball fans can catch spring training games, and the beautiful Surprise Community Park, perfect for picnics, walking trails, and family gatherings. Nature enthusiasts will appreciate the nearby White Tank Mountain Regional Park, offering hiking trails and breathtaking desert landscapes.

If you’re considering making Surprise your home, you’ll be pleased to know that the real estate market here is thriving, with a variety of homes available to fit every lifestyle. With financing options such as cash-to-loan new financing, you can easily transition into your dream home. This flexible financing approach allows buyers to leverage cash while securing a loan, making homeownership more accessible than ever.

Whether you’re looking for a cozy single-family residence or a spacious modern home, Surprise has something for everyone. Experience the warmth of community living and the charm of Arizona’s desert landscape—your new home awaits in Surprise!

Newest Surprise Homes with Cash to Loan New Financing

$648,000

3 Beds ⋅ 3 Baths ⋅ 7086471 MLS ⋅ 2,045 SqFt.

Welcome to your turnkey oasis in the highly coveted, guard-gated community of Sterling Grove Golf & Country Club! This rare, move-in-ready Potomac model is perfectly situated in the vibrant, all-ages section of the neighborhood, offering the ultimate blend of luxury and effortless modern Arizona living. Designed with a highly desirable split floor plan, the home maximizes privacy by thoughtfully separating the grand living spaces from the serene bedrooms. The heart of the home is a spectacular great room featuring a premium large slider. When fully retracted, it completely dissolves the barrier between the indoors and outdoors, creating a flawless, expansive setting perfect for entertaining or relaxing in the fresh air. Just beyond the glass, you will find ... ...an expertly designed, easy-to-manage front and back yard that completely eliminates the stress and cost of new-construction landscaping. The home's orientation provides the ideal Arizona layout, offering glorious morning sun in the backyard and cool, coveted afternoon shade just when you need it most. Back inside, the spacious primary suite serves as a true private sanctuary, while the open-concept chef's kitchen and adjacent living areas feel bright and welcoming. Living in Sterling Grove means embracing a world-class, resort-style lifestyle managed by Troon. Right outside your door, you will have access to an 18-hole championship Nicklaus Design golf course, a magnificent clubhouse with upscale dining, three resort-style pools, a full-service spa, a fitness center, and premier tennis and pickleball courts. Skip the lengthy construction timelines and costly landscaping bills--this pristine, upgraded masterpiece is completely complete and ready for you to move right in. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

12071 N Loma Linda Street, Surprise

$449,000

3 Beds ⋅ 2 Baths ⋅ 7085357 MLS ⋅ 2,231 SqFt.

Welcome to this beautiful 3-bed + den, 2-bath home.... lightly used as a second home. Enjoy 10' ceilings, 18x18 tile flooring, and abundant natural light from numerous windows. The kitchen features 42'' maple cabinets, a wraparound island, granite counters, recessed lighting, and a pantry. Fresh paint inside and out. Spacious master suite includes a walk-in closet and bath with dual sinks, separate tub, and shower. Laundry room offers cabinets and counter space. Step outside to a stunning backyard with tiled patio and pavers... ideal for entertaining. Extra-wide 2-car garage plus side yard with 10' RV gate for all your toys. Conveniently close to shopping and more. This home has it all.... don't miss out!

25943 N Desert Mesa Drive, Surprise

$439,000

2 Beds ⋅ 2 Baths ⋅ 7084068 MLS ⋅ 1,532 SqFt.

This 2-bedroom, 2 baths, den home with lots of upgrades is located in popular active 55+ gated community. Home features a custom Iron door openable rain glass window with a screen. The open concept great room, to the left, den/exercise room to the right. Continue through to large dining area and gorgeous updated kitchen with breakfast bar, 6 burner JennAir gas stove and built in desk area with loads of cabinets and a skylight. Out the double doors to the extended covered patio, gorgeous south facing backyard with stacked stone waterfall, retractable awning, artificial turf! Owner suite with 2 closets, double sinks, updated lighted mirror, walk in shower and water closet, attached TV, and double doors access the back patio and yard. Second bath with walk in shower, large guest room! Laundry room with full size stackable washer/dryer, cabinets and access to the attached garage. A beautifully updated, home with Plantation shutters throughout, high end fan in family room, Ring doorbell and much more!! EZ Go Golf cart with new Lithium could be gifted to the buyer with a solid offer. Much of the high-end furniture can be negotiated outside escrow.

17959 W Deneen Way, Surprise

$979,000

2 Beds ⋅ 3 Baths ⋅ 7083764 MLS ⋅ 2,352 SqFt.

Welcome to resort-style luxury in the award-winning master-planned community of Sterling Grove Golf & Country Club. This exceptional home boasts a thoughtful split floor plan with premium upgrades throughout, seamlessly blending sophistication with comfortable everyday living. The sun-drenched primary bedroom serves as a true sanctuary, complete with an oversized, spa-like primary bathroom designed for ultimate relaxation. Nearby, a versatile den offers the perfect flexible space, easily functioning as a private home office or a spacious third bedroom. At the heart of the home, the open living room frames stunning views of your own private backyard oasis. A magnificent 90-degree living room slider rolls back completely, making the transition to the outdoor living experience ... ... entirely seamless. Designed as an entertainer's delight, the resort-style backyard features an expansive covered back patio, an elegant pergola, a custom built-in BBQ, and a lively bar area--all centered around a sparkling, refreshing pool. Complete with a spacious 3-car garage that offers plenty of built-in storage for your golf gear and vehicles, this turnkey property offers an unparalleled lifestyle in one of the West Valley's most coveted guard-gated communities. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

17232 W Mountainair Street, Surprise

$1,324,000

3 Beds ⋅ 3 Baths ⋅ 7083699 MLS ⋅ 2,560 SqFt.

Welcome to your ultimate desert oasis in the prestigious Sterling Grove Golf & Country Club. This highly upgraded, expanded Skybrook model offers an unparalleled blend of luxury, functionality, and seamless indoor-outdoor living. Designed with a rare zero-step transition, the custom interior tile flows effortlessly through two massive sliding doors--including a striking 90-degree slider in the living room--out onto matching flush exterior patio tile. The split floor plan features three private bedroom suites, including a 3rd suite chosen in lieu of a third garage bay, plus a versatile den complete with elegant French doors that easily serves as an additional sleeping area. High-end custom details abound, from an extensive $30,000 tile upgrade throughout the home to a stunning custom... ... wet bar outfitted with premium cabinets, granite countertops, and a dedicated refrigerator. The backyard is an absolute entertainer's dream, meticulously engineered for comfort and ease. Step out onto the flush covered patio extension, where monsoon-rated patio shades and an extended covered deck provide custom shade on warm days. The pristine 12x28 pool features a lounging ledge, ambient deck jets, and a state-of-the-art electric heat pump capable of both heating and cooling the water for year-round enjoyment. Surrounded by high-quality turf and cool-touch pavers that stay comfortable underfoot, the outdoor space also boasts a relaxing hot tub. The entire system is effortlessly managed via Hayward pool automation using a smartphone app. Technological innovation and structural efficiency are at the core of this smart home. Built with energy-saving spray foam insulation in the walls, the property features a fully integrated Lutron smart home system with a SmartThings app controlling dimmers on most fixtures. Entertainment is ready-made with beautifully mounted Samsung Frame TVs and an accompanying soundbar. Practicality matches the luxury, highlighted by an expanded garage depth (extended by 2 feet) equipped with a 30-amp dedicated circuit for an EV charger. Inside, an Aquasana whole-home water filter and conditioner ensures pristine water quality, while a thoughtful layout modification adds a direct doorway connecting the master closet straight to the laundry room. This is a rare opportunity to own a masterfully customized residence in one of the region's premier resort communities. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

17431 W Guthrie Street, Surprise

$1,049,000

2 Beds ⋅ 3 Baths ⋅ 7082644 MLS ⋅ 2,045 SqFt.

Welcome to luxury living at its finest in the exclusive, 55+ single-level section of Sterling Grove Golf & Country Club. This meticulously and elegantly upgraded ''Potomac'' model sits on a rare, premium oversized lot, offering the perfect blend of sophisticated interior design and an absolute backyard paradise. Inside, the highly desirable split floor plan immediately impresses, seamlessly balancing privacy with open-concept entertaining spaces where every corner showcases high-end, thoughtful upgrades that elevate the living experience. Step out back into your private oasis, perfectly positioned along hole #14 and strategically situated so you can enjoy premium golf course frontage with total peace of mind and no golf balls hitting the house. The outdoor living area is an entertainer' ...dream, featuring a pristine pool (with solar heated hot water) enhanced by elegant deck-jet water features, a custom pergola, and a cozy fire pit area perfect for evening relaxation. A spacious patio (with misting system) equipped with electronic screens ensures year-round comfort, while a convenient double-wide gate opens up to allow for easy backyard access. Best of all, the yard is oriented to capture jaw-dropping, unobstructed mountain and sunset views that truly define Arizona living. This turnkey masterpiece offers a rare opportunity to own one of the finest lots and models in Sterling Grove. Furniture is negotiable. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

17693 W Guthrie Street, Surprise

$440,000

3 Beds ⋅ 2 Baths ⋅ 7082234 MLS ⋅ 1,583 SqFt.

Impeccable home that shows like a model - Gorgeous open floor plan - Stainless steel appliances with gas stove and granite counter tops - R/O system under kitchen sink - Stainless steel french door refrigerator - Breakfast bar - Large master suite with bathroom with dual sinks and walk in closet - Large laundry room and washer and dryer included - plumbed for sink in laundry room - 8' high garage door - water softner in garage - Artifical grass in large back yard with view type fencing onto common grounds

25303 N 144th Lane, Surprise

$1,399,000

2 Beds ⋅ 3 Baths ⋅ 7080378 MLS ⋅ 2,657 SqFt.

Welcome to luxury desert living at its absolute finest in the prestigious Sterling Grove Golf and Country Club. Nestled on a MASSIVE 15,383 sq ft corner lot at the quiet end of an exclusive 55+ parcel surrounded entirely by single-level homes, this highly sought-after St. Helena model offers unparalleled privacy with a neighbor on only one side. From the moment you step inside, the extensive premium upgrades are on full display, starting with striking, custom-built nine-foot black metal French doors that lead into a sophisticated private office. The open-concept living area boasts a dramatic wood-beamed ceiling and elegant crown molding, flowing seamlessly past a formal den/lounge and a well-appointed butler's pantry. The split floor plan layout ensures ultimate comfort for guests with... ... a separate bedroom featuring its own en-suite bathroom and walk-in closet, while the primary suite serves as a lavish retreat complete with a spa-like soaking tub and a custom closet upgrade. Indoor-outdoor entertaining reaches new heights thanks to a massive 16-foot multi-panel sliding patio door that opens up to an extended covered patio built for maximum shade. The breathtaking backyard is truly second to none, showcasing a large professional-grade putting green, a charming gazebo, and an elevated swim-spa deck designed specifically to capture unobstructed, panoramic views of the Arizona mountains and vibrant desert sunsets. Complete with a spacious grassy side yard, a pristine tree-lined perimeter, a three-car garage, and extensive landscape and pendant lighting to illuminate those cooler desert nights, this turnkey masterpiece offers a resort-style lifestyle that simply cannot be replicated. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Hone your skills at the driving range, putting and chipping greens, or in the golf simulator. This home has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, bike rides!

11001 N Mckinney Street, Surprise

$435,000

3 Beds ⋅ 2 Baths ⋅ 7079945 MLS ⋅ 1,665 SqFt.

Welcome to a rare opportunity in the heart of Surprise. This 2024 home offers three bedrooms, two bathrooms, and 1,665 square feet of living space on a spacious half acre lot! Inside, the bright open concept layout connects the kitchen, dining, and living areas, creating a comfortable space to cook, relax, and spend time together. The kitchen features a large center island, white cabinetry, stainless steel appliances, a farmhouse sink, and plenty of storage. The generous lot offers room for outdoor living, entertaining, gardening, additional storage, or bringing your own vision to life! Conveniently located near parks, schools, shopping, dining, and everyday essentials, with easy access to US 60 and surrounding West Valley destinations.

15415 N Dysart Road, Surprise

$699,000

3 Beds ⋅ 3 Baths ⋅ 7078946 MLS ⋅ 2,001 SqFt.

SELLER OFFER $5K CREDIT TOWARDS CLOSING COSTS. Located in the luxurious gated community of Sterling Grove in Surprise, this meticulously designed 3 bedroom, 2.5 bathroom home features a light-filled, open split floor plan that enhances its overall spaciousness. At the heart of the home is a large gourmet kitchen equipped with top-of-the-line appliances, making it perfect for family gatherings and entertaining. The kitchen seamlessly connects to the great room, where an expansive multi-panel sliding door opens to the backyard to create an indoor-outdoor living experience ideal for enjoying the beautiful Arizona weather. The private master suite features plush carpeting and a wonderful bathroom complemented by an oversized walk-in closet, while ... ... the guest rooms situated at the front of the home offer plenty of space and privacy. Turf recently installed in the backyard. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides. The community includes a stunning clubhouse, and a variety of pools, including a resort pool, lap pool, and a tranquil pool. The community also features a restaurant, a spa, a fitness and movement studio, event lawns, sports courts, the community is an up-and-coming area with excellent dining and shopping experiences. Don't miss this amazing home and community!

17171 W Thousand Oaks Street, Surprise

$610,000

3 Beds ⋅ 3 Baths ⋅ 7078837 MLS ⋅ 2,503 SqFt.

Country Club living has never been better! This home is perfectly located near a neighborhood park and main entrance. The open floor plan makes the great room/kitchen area MASSIVE. The gourmet kitchen features quartz countertops and seamlessly flows into the main living area, while tile flooring adds style and easy maintenance. The spacious primary suite is a true retreat with an oversized walk-in shower and a dreamy walk-in closet. You'll also appreciate thoughtful touches like a laundry room with a sink and premium finishes throughout. Bedroom Two features a walk-in closet and en-suite bathroom. Additional luxuries include epoxy flooring in the garage, garage storage racks, a soft water loop, upgraded soft-close cabinets throughout the home, and a walk-in pantry. The low-maintenance,...

17233 W Dartmouth Street, Surprise

$749,000

3 Beds ⋅ 3 Baths ⋅ 7077707 MLS ⋅ 2,001 SqFt.

Welcome to luxury living in the highly sought-after Sterling Grove Golf & Country Club. This stunning ''Potomac'' model perfectly blends modern sophistication with everyday comfort, showcasing exquisite contemporary touches and style throughout its open layout. The main living area immediately impresses with an electric fireplace set into a custom, tiled pop-out wall, creating a sleek focal point for relaxation. Entertaining is effortless thanks to the upgraded chef's kitchen, which comes complete with premium finishes and a dedicated beverage fridge for hosting guests. The indoor-outdoor transition is seamless, anchoring the home with an upgraded black multi-panel 20-foot sliding glass door that opens to a private backyard oasis. Outside, the covered patio overlooks a pristine heated... ... pool with a custom water feature, all complemented by a premium built-in BBQ station. Back inside, the private master suite serves as a peaceful retreat, highlighted by a luxurious master bathroom with a spacious walk-in shower. Practicality meets luxury in the air-conditioned garage, which features clean epoxy flooring and a functional kick-out spot perfectly sized for extra storage, a home gym, or your golf cart. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

17152 W Middlebury Street, Surprise

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