Payson Homes with VA Loan New Financing

Welcome to Payson, Arizona – a hidden gem nestled in the heart of Gila County, where the beauty of nature meets the comforts of small-town living. Known for its stunning landscapes, Payson is surrounded by the majestic Tonto National Forest, offering endless opportunities for outdoor enthusiasts. Whether you’re hiking the picturesque trails, fishing in pristine lakes, or simply enjoying the breathtaking views, Payson is a paradise for those who appreciate the great outdoors.

Payson boasts a charming downtown area filled with local shops, delightful eateries, and a warm sense of community. With a rich history and a laid-back atmosphere, it’s no wonder that many people are drawn to this vibrant town. The annual events, such as the Payson Rodeo and the Pine Strawberry Arts and Crafts Festival, foster a strong sense of camaraderie among residents and visitors alike.

For those looking to settle down in this beautiful area, there are fantastic opportunities available, especially for veterans. Homes in Payson are eligible for VA loan financing, making it easier for those who have served our country to find their dream home. With the benefits of no down payment and competitive interest rates, VA loans are an excellent option for veterans looking to invest in the Payson lifestyle.

Explore the diverse range of homes available, from cozy cabins to modern family residences, all set against the backdrop of Payson's stunning natural beauty. Discover your perfect home in this serene haven and experience the charm of Payson, where adventure awaits at every turn!

Newest Payson Homes with VA Loan New Financing

$450,000

3 Beds ⋅ 1 Baths ⋅ 7077333 MLS ⋅ 1,459 SqFt.

COMPLETELY REMODELED • SINGLE LEVEL • NO HOA • RV ACCESS • 0.26 ACRE LOT Welcome home to a completely transformed Payson property where you can leave the projects behind and start enjoying the lifestyle you've been looking for! This beautifully remodeled 3-bedroom, 2-bath, 1,459 sq. ft. single-level home offers easy living with no interior steps, a spacious 0.26-acre lot, and no HOA. From the moment you arrive, you'll appreciate the fresh, modern transformation. The home features new interior and exterior paint, new flooring, new interior doors, new siding and trim, a new roof and fascia, new exterior lighting, new plumbing fixtures, new ceiling fans throughout, and all-new appliances--including a matching washer and dryer. The kitchen has a new backsplash, while both bathrooms have been beautifully remodeled with new fixtures and floor-to-ceiling tile. The improvements continue outside with a custom paver driveway and entryway, extensive new hardscape, new Redwood privacy fencing, and a rear ranch-style gate providing RV access. The 354 sq. ft. rear deck has been completely redone, creating an expansive outdoor living space perfect for morning coffee, summer barbecues, entertaining friends, or simply relaxing in the beautiful Payson climate. Comfort is built in with a new 3-ton central heating and air-conditioning system, five new dual-pane windows, and a new dual-pane sliding glass door. Even the crawl space has been upgraded with Water-Barrier underlayment. Need extra space? The 144 sq. ft. detached shed is far more than ordinary storage, with a new roof, stained concrete floor, power, and A/C--perfect for a workshop, hobby room, storage, or creative space. And the location makes everyday living easy. You're conveniently close to schools, shopping, dining, and the new Granite Dells Park Complex and Granite Dells Trailhead, putting recreation and everyday amenities close to home. This is the kind of home that lets you spend your time living instead of renovating. Come see the transformation for yourself--you may have just found your perfect Payson retreat!

809 E Frontier Street, Payson

$575,000

3 Beds ⋅ 2 Baths ⋅ 7076830 MLS ⋅ 1,824 SqFt.

Rare opportunity to own an incredible three-lot property with breathtaking views with a main home and a guest retreat studio in one of the area's most desirable neighborhoods! This unique property offers space, flexibility, and an amazing mountain lifestyle, all while being surrounded by the beauty of the East Verde River community. The main home, 1164 sqft, features 3 bedrooms and 1 bathroom, with a beautifully updated kitchen showcasing new granite countertops, a gas range, kitchen island, and plenty of workspace. Step outside onto the covered deck and take in the spectacular views -- the perfect place to enjoy your morning coffee or relax in the evening. The second building is a 660 sqft studio, no kitchen, with its own bathroom, clawfoot tub, walk-in closet, and covered deck. Whether you're looking for a full-time residence, multi-generational setup, guest accommodations, or a peaceful getaway, this property offers an exceptional combination of homes, land, views, and lifestyle.

1194 W Beaver Flat Road, Payson

$1,699,000

4 Beds ⋅ 5 Baths ⋅ 7075642 MLS ⋅ 4,520 SqFt.

Mountain luxury meets golf-course living in the prestigious, gated Chaparral Pines. Enter through the 24/7 guarded gates and wind through the towering Ponderosa pines to this beautifully appointed 4-bedroom, 5-bath home overlooking the 12th fairway of the private Golf Club at Chaparral Pines. Offering over 4,500 square feet on a 0.39-acre golf-course lot, the home features gorgeous walnut floors, tall ceilings, custom shutters throughout and expansive wraparound patios on both the main and lower levels. The gourmet kitchen showcases custom cabinetry, Carrera marble countertops, Wolf gas stove and microwave, Sub-Zero fridge, and a walk-in pantry with a coffee bar, wine refrigerator, and abundant storage. The main level includes a luxurious primary suite with a large walk-in closet and spa-like bath with a jetted soaking tub, separate shower, and dual vanities. A second ensuite bedroom, powder room, laundry room, and an enclosed heated Arizona room complete the main level. The upstairs suite is home to the 3rd bedroom, bathroom, and private patio. Downstairs boasts stained concrete flooring throughout and offers incredible flexibility. Enjoy a large entertainment area with a built-in media center, kitchenette, private laundry, and two additional rooms with a second kitchenette of their own, all opening to a patio overlooking the golf course. Recent 2026 updates include a brand-new roof, fresh exterior and deck paint, and a Tesla EV charger installed in the garage. Only 90 minutes from the valley, enjoy this refreshing mountain climate, typically 20-25 degrees cooler. Chaparral Pines offers an award-winning private 18-hole championship golf course, an 8-acre recreation complex with a fitness center, heated pool and spa, tennis, pickleball & basketball, miles of private hiking trails, an on-site lake & guarded entry. Golf and sports memberships are available separately. Come experience the privacy, beauty, and exceptional lifestyle of Chaparral Pines!

2201 E Grapevine Drive, Payson

$378,000

2 Beds ⋅ 3 Baths ⋅ 7073605 MLS ⋅ 1,436 SqFt.

Majestic Views & Mountain Living at Mountain View Manor! Enjoy breathtaking views overlooking beautiful Green Valley Park from this well-appointed 2-bedroom, 3-bathroom condo. Featuring two spacious master suites, this home offers comfort and flexibility for full-time living or a mountain getaway. The inviting living room features a gas fireplace, creating a warm and cozy atmosphere, while beautiful wood flooring adds timeless character throughout. Step outside onto the deck and take in the stunning park and mountain views--perfect for morning coffee or evening relaxation. A 2-car garage provides plenty of space for vehicles and storage. Located in the desirable Mountain View Manor, this condo offers the perfect combination of comfort, views, and convenient mountain living.

951 W Ensenada Lane, Payson

$275,000

2 Beds ⋅ 2 Baths ⋅ 7073455 MLS ⋅ 1,334 SqFt.

.Welcome home to this clean 2-bedroom, 2-bathroom residence designed for comfortable, low-maintenance living. Inside, the spacious owner's suite features a private ensuite bathroom complete with a separate walk-in shower and a Grecian soaking tub. The chef-friendly kitchen comes equipped with a dedicated cooktop, built-in wall oven, and a functional peninsula. Everyday convenience is made easy with a large laundry room offering extra room for storage and organization. Step outside to unwind on the screened-in patio overlooking a beautiful seasonal creek with serene year-round views, complete with a 1-car attached garage for secure parking and extra storage.

1103 W Birchwood Road, Payson

$559,900

3 Beds ⋅ 3 Baths ⋅ 7072524 MLS ⋅ 1,928 SqFt.

Pride of ownership in this spacious custom built home in the beautiful mountain community of Payson, AZ can now be yours! The main level features a bright and open living room, dining area, breakfast bar, kitchen, 1/2 bathroom, large main bedroom & main bathroom with dual vanity, soaking tub and shower and large laundry room with utility sink. The lower level has it's own exterior access, 2 bedrooms, full bathroom, family room, storage room and additional closet space. Both the main level and lower level have their own covered porch/deck areas. Views of the Mazatzals from the main level are awesome! Don't miss the large workshop/craft/storage room on the East side of the home! This is a great opportunity for a primary, second home! Close proximity to shopping, dining& park

206 N Stagecoach Pass, Payson

$382,500

3 Beds ⋅ 2 Baths ⋅ 7071676 MLS ⋅ 1,310 SqFt.

Welcome to this charming 3-bedroom, 2-bath home in the desirable Woodhill subdivision! Offering 1,310 square feet of comfortable living space, this home features a warm and inviting living room with a gas fireplace, creating the perfect setting for cozy evenings. The functional kitchen and dining area provide a welcoming space for everyday living and entertaining. The primary bedroom offers a comfortable retreat, while two additional bedrooms provide flexibility for guests, family, or a home office. Enjoy the outdoors in the fenced backyard, complete with a covered back patio--perfect for relaxing, barbecuing, or entertaining year-round. A 2-car garage adds convenience and plenty of space for parking and storage. This home offers comfortable mountain living in a great Payson location!

602 N Blue Spruce Road, Payson

$299,000

3 Beds ⋅ 2 Baths ⋅ 7071657 MLS ⋅ 1,294 SqFt.

Move-in ready and full of potential, this single-level 3-bedroom, 1.5-bath home offers approximately 1,294 square feet of comfortable living space. The fully fenced yard provides privacy and security. Large shop/utility shed with electricity offers flexible space for storage, hobbies, projects, or other uses. A new split-system provides heating and cooling for the main living area. Whether you're looking for a first home, an investment opportunity, or a potential short-term rental, this property offers plenty of possibilities. Priced with some needed TLC in mind, it's a great opportunity to add your personal touches.

303 W Roundup Road, Payson

$435,000

2 Beds ⋅ 2 Baths ⋅ 7071181 MLS ⋅ 1,560 SqFt.

Escape to the tall pines of Tonto Village, where your backyard opens directly to the Tonto National Forest and the best of Arizona mountain living begins right outside your door. Just 20 minutes east of Payson and an easy getaway from the Valley, this move-in-ready home offers cool weather, forest views, abundant wildlife, and endless outdoor recreation without giving up convenient access to restaurants, groceries, shopping, and nearby lakes. Set on a spacious 17,000 sq ft cul-de-sac lot in the foothills of the Mogollon Rim, this 2 bed, 2 bath, 1,560 sq ft home features log-wrapped siding, vaulted ceilings, and a spacious open floor plan filled with mountain charm. Large covered front and back patios create inviting spaces to gather, relax, and enjoy the fresh mountain air while elk and deer frequently wander nearby. Step directly from the backyard into Tonto National Forest with immediate access to ATV, hiking, horse, and hunting trails. The property also offers RV parking w/ 30A hookup and septic access for dumping, as well as an oversized detached 25x30 two-car garage with attic access, providing exceptional space for vehicles, outdoor gear, toys, and storage. Well-kept and move-in ready, this property offers incredible flexibility as a full-time mountain home, weekend escape, short-term rental, or long-term investment. Available fully furnished for an easy transition into your new mountain retreat.

78 N Ponderosa Circle, Payson

$550,000

7 Beds ⋅ 5 Baths ⋅ 7071112 MLS

Rare three unit opportunity in Payson ideal for a buyer seeking to live in one home while generating income from the others to offset ownership expenses. Situated on a 17,000 square foot lot at approximately 5,000 feet elevation, the property includes three detached manufactured homes on a quiet cul de sac surrounded by mature trees. Unit A: 1 bd, 1 ba with newer HVAC, LVP flooring, stainless appliances, W/D, shed, and covered carport. Unit B: 3 bd, 2 ba with remodeled primary bath, laminate floors, dual pane windows, central heat/air, mini splits, W/D, yard, shed, and shared garage. Unit C: 3 bd, 2 ba with vaulted ceilings, remodeled primary bath, central heat/air, mini splits, tankless water heater, carport, and shared garage. Conveniently located within walking distance to restaurants +

205 S Ponderosa Street, Payson

$425,000

2 Beds ⋅ 2 Baths ⋅ 7070722 MLS ⋅ 1,375 SqFt.

Welcome to this charming 2-bedroom, 2-bathroom home in Payson, Arizona! Featuring beautiful wood flooring throughout, this well-lit home offers a warm and inviting atmosphere. A dedicated laundry room adds convenience, while the attached 2-car garage provides ample parking and storage. Situated on a desirable corner lot, the property also features a fenced-in backyard--perfect for enjoying the outdoors, entertaining, or relaxing in your own private space. A wonderful opportunity to enjoy comfortable Mountain living, with mountain views.

1402 N Alpine Heights Drive, Payson

$4,500,000

7 Beds ⋅ 4 Baths ⋅ 7070441 MLS ⋅ 3,400 SqFt.

A truly rare opportunity to own a private, gated creekside retreat encompassing 4.58 acres of natural beauty, tranquility and historic Arizona charm. With approximately 400 feet of Tonto Creek frontage, this remarkable property offers the soothing sounds of the creek, a fishing pond, towering pines and thoughtfully designed gathering spaces throughout. Total square footage, bedrooms and bathrooms shown in the listing include both the main and guest cabins. The 1,800+ square-foot main cabin features 4 bedrooms, 2 bathrooms, a spacious kitchen with granite countertops and breakfast bar, and an inviting living area centered around a natural-stone fireplace. French doors open to a sunroom overlooking the pond and peaceful wooded surroundings. The separate guest cabin provides approximately 1,600 square feet with 3 bedrooms, 2 bathrooms, a large kitchen, fireplace, pellet stove, spacious family room, two separate entrances and two private patios--ideal for guests, extended stays or a variety of other possibilities. A historic barn adds distinctive character and offers flexible space for gatherings and events, complemented by an outdoor BBQ area and large ramada. Additional improvements include a detached two-car garage with an attached workshop and storage area, plus a separate additional building. Outdoor amenities include a covered pavilion and patios, hot tub, sauna, an expansive newer deck overlooking the creek, and a gas fire pit within a built-in creekside gathering area. Whether envisioned as a private retreat, multigenerational property or an extraordinary setting with future possibilities, this one-of-a-kind creekfront offering would be difficult to duplicate. Zoned General Use (GU) and Agricultural, with documented Tonto Creek water rights. Buyer to independently verify permitted uses, square footage and all facts material to the buyer. Experience this remarkable slice of heaven on earth.

2097 N Fsr 289 --, Payson

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