Payson Homes with FHA New Financing

Payson Homes with FHA New Financing

Welcome to Payson, Arizona – a hidden gem nestled in the heart of Gila County, where the breathtaking beauty of nature meets the warmth of a close-knit community. Known for its stunning landscapes, Payson is surrounded by the majestic Tonto National Forest, offering endless opportunities for outdoor enthusiasts. Imagine waking up to the crisp mountain air, with hiking trails, fishing spots, and serene lakes just a stone's throw away. This charming town is not just a haven for adventurers; it also boasts a vibrant downtown area filled with delightful shops, local eateries, and community events that foster a strong sense of belonging.

Payson is particularly appealing for homebuyers looking to take advantage of FHA new financing options. With its affordable housing market, potential homeowners can explore a variety of properties that cater to different lifestyles and budgets. Whether you’re in the market for a cozy cabin, a modern family home, or a charming cottage, Payson has something for everyone. The FHA financing program makes it easier for first-time buyers to secure their dream home, offering lower down payments and flexible credit requirements.

Living in Payson means embracing a lifestyle enriched by nature, community, and the comforts of home. With the added benefit of FHA financing, your dream of owning a piece of this picturesque town is closer than ever. Discover the beauty and charm of Payson, AZ – where your new adventure awaits!

Newest Payson Homes with FHA New Financing

3 Beds ⋅ 2 Baths ⋅ 7061928 MLS ⋅ 2,004 SqFt.

Completely reimagined, this 3-bed, 2-bath, 2,004 sq ft site-built home sits on 0.42 acres just north of Payson in the pines of Gila County. All-new interior and exterior paint, new main-floor flooring, a remodeled kitchen, two updated baths, and vaulted ceilings. Wood-burning and electric fireplaces warm the cold nights. Two freshly painted wood decks, ~110 sq ft each: a covered lower deck off the living room and a private upper deck off the primary bedroom. A detached 840 sq ft workshop and oversized 2-car garage, built in 2002, has its own full bath, fireplace, and RV gate. New metal roof, evaporative cooling, and electric floor heat in every room. City water, no HOA, Payson Unified School District #10. Minutes from Tonto National Forest and the East Verde River. Truly turnke

8193 W Dead Eye Road, Payson

3 Beds ⋅ 2 Baths ⋅ 7061724 MLS ⋅ 1,550 SqFt.

Discover this stunning new construction home featuring 3 spacious bedrooms and 2 full bathrooms in a thoughtfully designed open floor plan perfect for both everyday living and entertaining. The heart of the home flows seamlessly from the living area to the kitchen and dining space, creating an airy, connected feel throughout.Retreat to the expansive primary suite, offering a private oasis away from the everyday hustle. Three additional highlights make this home truly special: a generous side yard ideal for outdoor gatherings or gardening, an attached garage with built-in storage for all your organizational needs, and an elegant circle driveway that provides both curb appeal and effortless guest parking.Location is everything, and this home delivers -- with nearby trails perfect for morning walks or weekend adventures, and a wealth of restaurants and shopping just moments away, you'll have everything you need right at your fingertips.This move-in ready home combines quality craftsmanship with an unbeatable location. Schedule your showing today!

219 W Estate Lane, Payson

4 Beds ⋅ 2 Baths ⋅ 7061580 MLS ⋅ 1,480 SqFt.

Welcome to this beautifully renovated 4-bedroom, 2-bath home nestled in a peaceful, tree-filled setting in Payson. Surrounded by mature trees and located in a quiet neighborhood, this property offers the perfect blend of comfort, privacy, and mountain charm. Recent updates include brand-new flooring throughout and a new roof, providing peace of mind and modern appeal. The spacious floor plan offers four comfortable bedrooms and two full bathrooms, making it ideal for families, guests, or a vacation retreat. Relax and enjoy the fresh mountain air from the inviting front porch, perfect for morning coffee or evening sunsets. The oversized 24' x 24' two-car garage provides ample space for vehicles, storage, or a workshop and features the added convenience of a full bathroom

7488 N Paloma Vista Road, Payson

3 Beds ⋅ 4 Baths ⋅ 7061308 MLS ⋅ 2,096 SqFt.

Enjoy mountain living with scenic views in this 3-bedroom, 4-bathroom home located in the desirable community of Payson, Arizona, just moments from Green Valley Lake. Designed for comfort and privacy, each bedroom serves as its own private suite, complete with a dedicated bathroom and walk-in closet, making this home ideal for guests or multi-generational living. The spacious floor plan features a welcoming living area with a cozy gas fireplace, a perfect gathering space during cooler mountain evenings. The primary suite includes a sitting room, a large walk-in closet, and a luxurious ensuite bathroom with a jetted tub. An additional room off the garage offers flexibility for a home office, hobby room, fitness space, or extra storage. Large windows with energy-efficient three-pane glass bring in natural light while enhancing year-round comfort. Ceiling fans are installed throughout the home, and recent updates include new windows installed approximately two years ago, a new refrigerator and washing machine in 2026, a newer hot water heater, and a roof replaced in 2024. Outdoor living is just as impressive with a spacious patio and 2 balconies that capture sweeping city and mountain views. HOA-maintained landscaping allows for low-maintenance living, giving you more time to enjoy the surrounding area. Located close to Green Valley Lake, shopping, dining, and essentials, this home has a functional layout, thoughtful updates, and an exceptional location in one of Payson's most desirable neighborhoods.

800 S Montana Drive, Payson

4 Beds ⋅ 2 Baths ⋅ 7061144 MLS ⋅ 1,152 SqFt.

Discover mountain living at its finest in the highly desirable Woodland Meadows community of Payson. Nestled among towering pines on a quiet cul-de-sac, this beautifully maintained home offers the peaceful lifestyle you've been dreaming of--where cool mountain air replaces triple-digit temperatures and local deer are frequent visitors right outside your back door. Just 90 minutes from the Valley, this home is the perfect full-time residence, weekend retreat, or summer escape. Spend your mornings on the back patio with coffee as wildlife wanders through the neighborhood, and your evenings enjoying crisp mountain air beneath Arizona's stunning star-filled skies. Inside, you'll find a thoughtfully designed floor plan with spacious living areas, abundant natural light, and numerous updates.

124 S Birchwood Circle, Payson

5 Beds ⋅ 3 Baths ⋅ 7061119 MLS ⋅ 2,587 SqFt.

Enjoy breathtaking views from this versatile 2.2-acre horse property featuring a 2,587± sq. ft. home with a private guest house and an attached 3-car garage. The main home offers a split floor plan with 3 bedrooms and 2 baths, including a spacious primary suite with an en-suite bath, separate tub and shower, and private access to the covered patio. The great room features custom Mesquite wood flooring and opens to a well-appointed kitchen with granite countertops, gas range, pantry, center island, and breakfast bar. The attached guest house has its own private entrance and includes 2 bedrooms, 1 bath, a family room, and a kitchenette with refrigerator, stove, and microwave--ideal for guests or multi-generational living. Outside you'll find a horse pen, a dog run, room for RV parking and all your toys, plus plenty of space to enjoy the beautiful surroundings. The spacious 3-car garage provides ample room for vehicles, storage, or workshop space. Two separate A/C units provide independent comfort for the main home and guest house.

1905 N Conifer Circle, Payson

2 Beds ⋅ 2 Baths ⋅ 7060939 MLS ⋅ 1,360 SqFt.

Don't miss the opportunity to own your own mountain getaway in the hidden gem of Bonita Creek in Payson, nestled just below the Mogollon Rim. This beautifully remodeled 2-bedroom, 2-bath cabin offers 1,360 sq. ft. of modern comfort on a scenic ½-acre lot w/ spectacular views overlooking the Tonto National Forest. Enjoy abundant wildlife from the expansive brand new 32x32 Trex deck and relax around a propane fire pit on cool mountain evenings. Thoughtfully renovated top to bottom w/new siding, windows, blinds, luxury vinyl plank flooring, updated baths, and all-new appliances. The main level features the primary bedroom & full bath for convenient single level living, while upstairs offers an enclosed bedroom, an open loft living space w/2 sleeper sofas, and a full bath - perfect for family and friends. Stay comfortable year-round with A/C, heat, a wood-burning stove, sports court (2023), under-deck storage for all your mountain toys, and private water from year-round Bonita Creek.

161 E Coues Deer Lane, Payson

3 Beds ⋅ 2 Baths ⋅ 7060783 MLS ⋅ 1,523 SqFt.

Move-in ready and in true mint condition! This beautifully maintained single level NO HOA, 2-bedroom, 2-bathroom home also features a versatile office/den, perfect for remote work or a quiet retreat. A charming walkway welcomes you inside, where rich flooring flows throughout an open, light-filled living area. The updated kitchen impresses with a stylish island, tile backsplash, and stainless-steel appliances, opening to a cozy breakfast nook with deck access ideal for morning coffee or evening sunsets. The primary suite offers a private en-suite bath and plenty of natural light, while a second spacious bedroom and dedicated office/den add valuable flexibility. The oversized 2-car garage provides extra storage and workspace. Tucked away in a peaceful, tree-lined setting, this home is a true gem!

1105 N Bavarian Way, Payson

3 Beds ⋅ 2 Baths ⋅ 7060149 MLS ⋅ 1,632 SqFt.

Check out this gorgeous single family home just listed in the highly desirable Trailwood Community in Payson! HUGE corner lot, Single Story Home, No Interior Steps, 2 Car Garage, Closed-In Front Porch, Granite Kitchen Countertops, Stainless Steel Appliances, Gas Range, Newer HVAC, Rustic Pellet Stove, 9 Foot Ceilings, Covered Back Deck, Private Backyard, New Automated Front Drip System, Plenty of Storage and so much more! No HOA! Home has been meticulously maintained. Starlink Internet Equipment is paid in full and conveys with the sale. Optional monthly rate of approx. $120/mth. Murphy Bed in the second bedroom conveys. Vacant and available to show anytime! This home is a must see!

307 N Lakeshore Road, Payson

3 Beds ⋅ 3 Baths ⋅ 7060043 MLS ⋅ 2,304 SqFt.

Mountain Views • Private Setting • Flexible Living Space Nestled in one of Payson's most desirable neighborhoods, this beautifully maintained mountain home offers the perfect combination of privacy, comfort, and spectacular views. Surrounded by custom homes and abundant wildlife, you'll enjoy peaceful mornings with elk wandering through the neighborhood and breathtaking sunrises and sunsets from both the front and rear decks. The home features 2,304 square feet with 3 bedrooms and 3 full bathrooms on a generous 0.47-acre lot. The upper level serves as the primary living area with an open, warm mountain-cabin feel highlighted by tongue-and-groove pine throughout. The lower level includes a private bedroom, full bath, family room, and separate entrance--ideal for guests, extended family, a home office, or multigenerational living.

1103 S Stewart Pocket Circle, Payson

3 Beds ⋅ 2 Baths ⋅ 7059935 MLS ⋅ 1,456 SqFt.

Move right into this immaculate 3-bedroom, 2-bath home in the heart of Payson! Designed with a desirable split floor plan and an open great room concept, this home offers comfortable living with plenty of space to entertain. The spacious kitchen features a breakfast bar, two pantries, and abundant cabinet storage, making it the perfect gathering place for family and friends. Enjoy Payson's beautiful weather from the welcoming covered front porch or relax on the large covered back patio overlooking the expansive fenced backyard. The property also includes multiple outbuildings, a separate workshop or craft room, and a carport, providing plenty of space for hobbies, storage, and outdoor living. This move-in-ready home has been exceptionally maintained and features numerous major upgrades, including a new A/C and furnace (2016), replumbed with PEX (2018), new flooring throughout (2019), a new roof (2023), and a new water heater (2025), offering peace of mind for years to come. Furniture is negotiable, making this an outstanding opportunity whether you're looking for a full-time residence or a mountain getaway. Don't miss this beautiful Payson property with room to live, work, and play!

613 W Arabian Way, Payson

3 Beds ⋅ 2 Baths ⋅ 7059757 MLS ⋅ 1,344 SqFt.

Views! No HOA! Vacation Rentals Allowed! Large front yard with parking room for your RV and all of your toys. Tucked in a very quiet Payson neighborhood, this Completely updated home home on a mountainside is ready to be your mountain town dream. Enjoy Fantastic views of the Mogollon Rim from a large wrap around deck. The North facing deck is large enough for outdoor patio furniture, gas fire pits, outdoor dining, BBQ and Smoker This 3 bedroom 2 bath home has many updated features: New roof 2024, New Commercial grade Luxury Vinyl flooring, Kitchen Cabinets, Baseboards and trim, Painted inside and out in 2026. Updated tile Shower on second floor, Newer backsplash and industrial shelving in the kitchen. Wide 2 car garage with workspace. Storage shed on the side. Owner is a licensed realtor in the state of Arizona.

313 E Pine Street, Payson

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