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

$310,000
2 Beds ⋅ 1 Baths ⋅ 7083990 MLS ⋅ 897 SqFt.
Escape to the mountains and discover your own private slice of Rim Country! Nestled among towering pines in peaceful Colcord Mountain Estates, just 30 minutes east of Payson, this beautifully updated 2-bedroom, 1-bath cabin sits on a spacious ½-acre lot with incredible mountain views.Step inside to a bright, open layout featuring soaring vaulted ceilings, beautiful flooring, modern updates, and a cozy wood-burning stove perfect for chilly mountain evenings. A large picture window brings the outdoors in, filling the living space with natural light while showcasing the surrounding forest and mountain scenery. Outdoor living is just as impressive with an extra-long covered patio made for morning coffee, afternoon relaxation, and evenings under the stars. MORE... The oversized 3-car garage offers plenty of room for vehicles, toys, and storage, plus a dedicated workshop bay for projects and hobbies.Whether you're looking for a full-time mountain home, weekend getaway, or peaceful escape from the Valley heat, this property has it all--privacy, views, fresh mountain air, tall pines, and plenty of room to enjoy the Arizona mountain lifestyle!

254 S Blackfoot Road, Payson
$399,000
3 Beds ⋅ 2 Baths ⋅ 7083770 MLS ⋅ 1,906 SqFt.
Gorgeous cabin get away. Calm community and ready for a perfect weekend retreat or full time home. Master bedroom is a good size with lots of closet space. Inside washer and dryer and loft area for an additional bedroom or living space. Kitchen and half bath could use some updating, otherwise the home has good bones. There is a hand painted mural in the living room with a stuffed bear that conveys. Oversized lot .46 acre, the land adjacent with the storage unit and mini storage sheds is part of this property.

436 W Blackberry Lane, Payson
$650,000
4 Beds ⋅ 2 Baths ⋅ 7083378 MLS ⋅ 2,028 SqFt.
There are homes near the forest and then there are homes where the back gate opens directly into it. At 1900 W Fairway Lane, Tonto National Forest is your backyard, Payson Golf Club is directly across the street, and the best of Rim Country living begins at home. Set on a fully fenced .36-acre cul-de-sac lot with no HOA, this updated single-level residence offers approximately 2,028 square feet with four spacious bedrooms, two remodeled bathrooms and a dedicated office/bonus room. Inside, the home feels warm, open and full of character. Vaulted ceilings and wood-look flooring lead into a generous living area centered around a wood-burning fireplace with barnwood and corrugated-metal accents, built-ins and abundant storage. The remodeled kitchen combines extensive distressed cabinetry, tile countertops, a deep double farmhouse sink and Samsung Smart appliances. An adjoining dining area surrounded by windows brings in beautiful natural light, while the well-equipped laundry room adds cabinetry, a folding counter and utility sink. The flexible floor plan is designed for real life. The fourth bedroom includes its own exterior entrance--an excellent option for guests, a private workspace, studio or hobby room. The primary retreat offers exceptional storage with a walk-in closet, second closet and linen closet. Its custom bath stands apart with dual sinks and a large tiled walk-in shower featuring rain and handheld showerheads and a decorative frosted wilderness-scene window. An adjoining bonus room opens directly to the patio. Outside, the property becomes an experience of its own. Dine beneath the covered patio, unwind in the spa, enjoy the pond and water feature, or grow your own harvest in two fenced garden areas. Established apple, peach, plum and pomegranate trees are joined by grapevines, blackberries and raspberries. The permanent two-story site-built chicken house with metal roof can also provide substantial storage or hobby space. An RV gate and parking in both the front and backyard provide room for a boat or trailer. The two-car garage includes a workbench, shelving and cabinets. The roof was replaced in 2018, the exterior was painted in 2020 and the water heater was replaced in 2021. City water and public sewer complete the practical advantages. Green Valley Park, historic Main Street, local shops and restaurants are all close by. A home with this much space and flexibility is special; one with the forest through the back gate and golf across the street is something altogether different.

1900 W Fairway Lane, Payson
$599,999
5 Beds ⋅ 3 Baths ⋅ 7081938 MLS ⋅ 2,395 SqFt.
Located in the desirable Mogollon Village, this stunning custom-built home offers beautiful mountain views, along with numerous thoughtful upgrades throughout. An extra-deep garage provides plenty of room for additional storage, while the welcoming entryway leads to a charming covered front deck. Inside, the home features 8-foot doors throughout, five bedrooms, and three bathrooms. The beautifully appointed kitchen showcases custom cabinetry, a striking copper hood, and a spacious island/breakfast bar accented by gorgeous slab granite countertops. Conveniently located just off the kitchen, the laundry room offers abundant cabinetry for storage and generous counter space for folding. The inviting great room is designed for both comfort and entertaining, featuring a lovely gas fireplace with surround sound and a patio slider that opens to a covered, maintenance-free rear deck. With ample space for outdoor dining and entertaining, the deck overlooks a spacious, fenced backyard that is perfect for both pets and kids. With its custom finishes, thoughtful upgrades, stunning views, and exceptional indoor-outdoor living spaces, this home is a wonderful blend of comfort, style, and functionality.

304 S Ryan Drive, Payson
$345,000
3 Beds ⋅ 2 Baths ⋅ 7081423 MLS ⋅ 1,344 SqFt.
NEW CONSTRUCTION & NO HOA -- TURNKEY MOUNTAIN LIVING. Be the first to occupy this newly completed 3-bed, 2-bath, 1,344 sq ft residence on a fully usable, unrestricted parcel just 5 minutes northeast of Payson. Bring your horses, livestock, RV, and trailers--zero HOA restrictions. Perfectly positioned as a low-maintenance primary home, mountain retreat, or high-performing short-term rental. The open-concept layout features 9-foot flat ceilings and upgraded laminate flooring. The chef's kitchen is equipped with 42'' solid hardwood cabinetry, a 36'' commercial-grade range hood, and Samsung stainless appliances. The primary suite includes a walk-in closet and dual-vanity ensuite. Just minutes from premier hiking, trout fishing, and endless ATV trail systems. Engineered for modern efficiency, this all-electric home is built with a high-performance thermal envelope. Features include argon gas low-E double-pane windows, advanced insulation, a Carrier high-efficiency heat pump, and full LED lighting throughout. Additional amenities include a dedicated laundry room, ceiling fans, and an expansive covered front porch designed to capture mountain breezes.

8162 W Apache Drive, Payson
$319,000
2 Beds ⋅ 2 Baths ⋅ 7080890 MLS ⋅ 909 SqFt.
Welcome home to your adorable cottage in the pines! This two bedroom, two bath home is perfect for full time residents, a vacation home, or a rental! There is no HOA and it is situated on a quiet cul-de-sac. There are gorgeous mature trees and elk stroll by almost daily. This well maintained site built home offers a cozy gas fireplace, TWO large storage units in the back yard and a brand new pergola & gazebo. New washer and dryer, new refrigerator, and newer water heater too! The roof was just replaced in 2021 and it was freshly painted in 2023.

902 N William Tell Circle, Payson
$475,000
3 Beds ⋅ 2 Baths ⋅ 7080660 MLS ⋅ 1,336 SqFt.
Beautifully remodeled and ideally located directly across from Rumsey Park in one of Payson's most desirable neighborhoods! This move-in ready 3-bedroom, 2-bath home features a stunning updated kitchen with crisp white cabinetry, granite countertops, herringbone tile backsplash, stainless steel appliances, and wood-look flooring. Both bathrooms have been beautifully renovated with fully tiled, remodeled showers and updated finishes. Enjoy comfortable living spaces, a covered front porch, mature trees, and low-maintenance landscaping--all just steps from Rumsey Park's recreational amenities and open space. Beautifully updated, exceptionally located, and ready to welcome you home!

817 W Payson Parkway, Payson
$293,000
3 Beds ⋅ 2 Baths ⋅ 7080342 MLS ⋅ 1,904 SqFt.
Situated on .49 acres in the peaceful Deer Creek area just outside of Payson, this 3-bedroom, 2-bathroom home offers the space, privacy, and relaxed mountain lifestyle that make the Rim Country so desirable. With nearly half an acre to enjoy, the property provides plenty of room to spread out while remaining conveniently close to the shopping, dining, and amenities of Payson. Inside, the home offers a comfortable and functional layout with two bedrooms and a welcoming living space, making it well-suited as a full-time residence, weekend getaway, or affordable mountain retreat. Outside, the spacious property provides plenty of possibilities for outdoor living, gardening, pets, recreational equipment, or simply enjoying the quiet surroundings and fresh mountain air. A detached garage adds valuable versatility with room for vehicles, ATVs, tools, storage, or workshop space. Combining nearly half an acre, a detached garage, and a peaceful location outside of town, this Deer Creek property offers an excellent opportunity to enjoy a quieter pace of life while keeping Payson within easy reach.

124 W Black Mountain Road, Payson
$848,000
4 Beds ⋅ 3 Baths ⋅ 7079698 MLS ⋅ 2,437 SqFt.
Experience elevated mountain living in this beautifully updated residence located in Highlands at the Rim. Offering 2,437 square feet of thoughtfully designed living space, this four-bedroom, three-bath home captures breathtaking, unobstructed views of the Mogollon Rim. The inviting great room features vaulted ceilings with striking wood-beam accents, abundant natural light, and a beautiful stone propane fireplace that creates warmth and ambiance. New flooring and fresh interior paint enhance the home's sophisticated yet comfortable mountain style. Designed for both everyday living and entertaining, the updated kitchen features new granite countertops, premium GE Café appliances, a spacious center island, breakfast bar, and walk-in pantry. Just off the kitchen, a covered deck provides the a covered deck provides the perfect setting for outdoor dining, relaxation, and enjoying the spectacular Rim views. The split floor plan offers privacy, while the primary suite serves as a peaceful retreat with a custom walk-in closet, completely remodeled primary bath with stylish modern finishes that include a luxury freestanding tub, shower, spacious raised double vanity and custom lighting. A spacious laundry room with sink that adds convenience and valuable storage. The versatile loft serves as the fourth bedroom and includes a walk-in closet, private three-quarter bath, and access to its own deck--an ideal space for guests, a home office, or an additional living area. The two-car garage is finished with upgraded flooring for a clean, polished appearance. Located just a short distance from the Rim Club, where golf and social memberships may be available for separate purchase, this exceptional home combines refined updates, comfortable mountain elegance, and unforgettable Mogollon Rim views.

213 S Sunset Pass, Payson
$375,000
3 Beds ⋅ 1 Baths ⋅ 7079021 MLS ⋅ 1,028 SqFt.
Perched on 1.16 acres in the desirable Geronimo Estates community, this charming 3-bedroom, 1-bathroom cabin offers the privacy, scenery, and rustic mountain lifestyle that make Arizona's high country so special. With plenty of room to spread out and incredible views stretching across the surrounding landscape, this property is the perfect setting for a full-time residence, weekend retreat, or mountain getaway. Inside, the newly updated kitchen brings a fresh, modern touch to the cabin while maintaining the warmth and character of the home. The comfortable living spaces provide plenty of room to gather with family and friends, while three bedrooms offer flexibility for guests, a home office, or additional sleeping space. Step outside onto the expansive deck where the views take cente stage. With plenty of space for outdoor dining, entertaining, or simply relaxing with your morning coffee, the deck provides a front-row seat to the changing seasons, mountain skies, and peaceful surroundings of Geronimo Estates. The spacious acreage also provides exciting potential for the next owner, with room to expand, add additional structures, create outdoor living spaces, or simply preserve the privacy and open space already surrounding the cabin. Combining an updated kitchen, expansive outdoor living, beautiful views, and over an acre of mountain property, this Geronimo Estates cabin offers an opportunity to create your own retreat and enjoy the quieter side of mountain living.

1092 W Paint Pony Drive, Payson
$499,900
3 Beds ⋅ 2 Baths ⋅ 7078801 MLS ⋅ 1,600 SqFt.
Welcome to this well-maintained three-bedroom, two-bath home in Trailwood, a desirable community in the heart of Payson. Offering approximately 1,600 square feet, the home features a spacious living and dining area with vaulted ceilings and a cozy gas fireplace. The updated kitchen includes all appliances and a convenient pass-through that keeps you connected with guests while cooking and entertaining. The primary suite features a vaulted ceiling, a generous walk-in closet with built-in storage, and a beautifully remodeled en-suite bathroom with dual vanities and a spacious walk-in shower. An adjoining private retreat provides versatile bonus space for a home office, reading nook, or hobby area. Two additional bedrooms, a guest bathroom, and a laundry room with a utility sink complete the interior. The oversized two-car garage includes a workbench and additional storage. Outside, the covered patio opens to a spacious yard with mature pine trees, multiple sitting areas, low-maintenance artificial turf perfect for pets or play, an RV gate, and a storage shed. An existing 220-volt electrical connection offers the option to add a spa and create your own relaxing backyard retreat.

310 N Mogollon Trail, Payson
$310,000
2 Beds ⋅ 2 Baths ⋅ 7078760 MLS ⋅ 1,188 SqFt.
Welcome to this light and bright 2-bedroom, 2-bathroom condo offering approximately 1,188 sq. ft. of comfortable living space. Both bedrooms are generously sized, with the primary suite featuring a walk-in closet and an upgraded bathroom with granite countertops, updated cabinetry, and a beautiful new shower. The kitchen features granite tile countertops and a newer electric range. Beautiful luxury vinyl plank flooring throughout provides a warm, updated feel. Additional updates include a new heat pump in June 2025 and a newer water heater and a whole-house water filtration system. Enjoy an easy-care lifestyle in a desirable location within walking distance of beautiful Green Valley Park and its lakes. Golf enthusiasts will appreciate being close to the Payson Golf Course, while the surrounding area offers plenty of opportunities to enjoy the outdoors. With its low-maintenance appeal and desirable location, this condo also offers an excellent opportunity for an investor seeking a long-term rental property. This condo is a wonderful opportunity to enjoy easy comfortable living in Payson.

929 W Madera Lane, Payson
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