Heber Homes with FHA New Financing

Heber Homes with FHA New Financing

Welcome to Heber, a charming town nestled in the heart of Navajo County, Arizona. Known for its picturesque landscapes and friendly community, Heber offers a peaceful escape from the hustle and bustle of city life.

If you're considering making Heber your home, you'll be delighted to know that there are plenty of options available, including homes eligible for FHA New Financing. This means that aspiring homeowners can take advantage of FHA loans to purchase their dream home in this beautiful area.

From cozy cabins to spacious family homes, Heber has a diverse range of properties to suit every lifestyle and budget. Whether you're looking for a quiet retreat or a place to raise a family, Heber has something for everyone.

With its close-knit community, stunning natural surroundings, and convenient access to amenities, Heber is the perfect place to put down roots. Come and discover all that this vibrant town has to offer – your new home in Heber awaits!

Newest Heber Homes with FHA New Financing

$360,000
3 Beds ⋅ 2 Baths ⋅ 7055531 MLS ⋅ 1,602 SqFt.
Tucked among the tall pines of Heber, this inviting 3-bedroom, 2-bathroom cabin offers the perfect blend of modern updates and mountain charm. With 1,602 square feet of comfortable living space, this property is ideal as a full-time residence, weekend retreat, or vacation getaway in the heart of Arizona's White Mountains. Inside, you'll find fresh new flooring that enhances the warm and welcoming atmosphere, while the spacious layout provides plenty of room for family and guests. Large windows bring in natural light and frame views of the surrounding pines, creating a true mountain-living experience. Step outside onto the brand-new Trex deck, the perfect place to enjoy your morning coffee, entertain friends, or unwind beneath the cool mountain air and star-filled skies. The durable m roof adds both character and long-term peace of mind, making ownership easy for years to come. Situated on a beautifully treed lot surrounded by mature pines, this property offers the privacy and serenity buyers seek when escaping the city. Best of all, there is no HOA, giving you the freedom to enjoy your property without additional restrictions or fees. Whether you're looking for a peaceful mountain retreat, a basecamp for outdoor adventures, or a place to create lasting memories with family and friends, this Heber cabin delivers the lifestyle you've been searching for.

3307 Pine Ridge Drive, Heber
$434,900
2 Beds ⋅ 2 Baths ⋅ 7049670 MLS ⋅ 1,356 SqFt.
Escape the heat and discover your mountain retreat! Sold mostly furnished and offered BELOW RECENT APPRAISAL, this beautifully updated cabin sits on a peaceful .36-acre lot surrounded by trees on the outskirts of Heber, just over 2 hours from the Valley. Enjoy coffee on the Trex front deck, relax in the enclosed sunroom as wildlife wanders by, or gather around the stunning stone fireplace after a day exploring 1000s of miles of nearby National Forest. Quality finishes include low-maintenance composite siding, T&G pine accents, knotty hickory cabinetry, quartz countertops, updated flooring, a newer roof, and a high-efficiency Lennox HVAC system. The tandem two-car garage offers plenty of space for vehicles, ATVs, and outdoor gear. Stop waiting and start enjoying your mountain getaway!

3428 High Country Drive, Heber
$778,500
3 Beds ⋅ 3 Baths ⋅ 7040277 MLS ⋅ 1,962 SqFt.
**BELOW APPRAISAL** Experience mountain living in the highly sought after Buckskin Artist Community with this custom-built 3 bedroom, 2.5 bath home situated on a beautifully maintained .85 acre homesite. A true standout feature is the 1,500 sq ft 30x50 detached shop with a 10' door, additional 1/2 bath, and wood-burning stove--ideal for RV storage, vehicles, hobbies, workshop space, or mountain toys. The attached three car garage provides additional storage and convenience. This meticulously maintained home showcases quality craftsmanship throughout, featuring stunning tongue & groove accents, soaring vaulted ceilings, skylights, granite surfaces, and a desirable split floor plan designed for privacy and easy entertaining. Offered fully furnished with mountain décor, this home is move-in ready and perfectly suited for those seeking a comfortable mountain retreat. The spacious primary suite includes dual walk-in closets, dual sinks, a separate shower, and a relaxing jetted tub. The guest suite offers private bathroom access and its own walk-in closet, providing a comfortable space for family or visitors. Thoughtfully designed for convenience, the home features low-maintenance siding, decking, and railing, an on-demand water heater, and a gas generator for added peace of mind. Enjoy the outdoors from the expanded patio seating area with custom pavers and a beautiful arbor, surrounded by landscaped grounds with a drip irrigation system for easy maintenance. Outdoor enthusiasts will appreciate paved road access and nearby National Forest trails for hiking, ATV riding, and year-round recreation. With nominal HOA dues that include water service, this exceptional mountain property offers the perfect combination of comfort, functionality, and adventure. An additional adjacent acre is available with purchase of the home. Seller is a licensed Real Estate Agent in the State of Arizona.

2868 Meadow Road, Heber
$659,900
3 Beds ⋅ 3 Baths ⋅ 7036634 MLS ⋅ 2,688 SqFt.
Amazing opportunity! Take in breathtaking, panoramic White Mountain views from this beautifully updated, fully furnished home in desirable High Country Pines. Designed for gathering while still providing privacy, this property features a spacious main home plus an 896 sq. ft. guest quarters above the oversized detached garage. The open concept main home offers comfortable living and entertaining space, while expansive covered decks showcase incredible year round views and spectacular 4th of July fireworks. The separate guest quarters, mini kitchen, and full bathroom provide the perfect retreat for family and friends. Whether hosting multiple families, accommodating extended guests, or creating a vacation rental opportunity, this unique property offers the ideal balance of togetherness and personal space all surrounded by the beauty and tranquility of the White Mountains.

3478 Highland Drive, Heber
$775,000
5 Beds ⋅ 4 Baths ⋅ 7034251 MLS ⋅ 4,463 SqFt.
Spacious, Feature-Packed Home with Bonus Space & Rural Charm. This beautifully maintained 5-bedroom, 3.5-bath home with a 3-car garage offers the perfect blend of comfort, functionality, & peaceful country living. Situated on a fully fenced and landscaped 1 acre parcel with a circular driveway, this home is designed for both everyday living and entertaining. Step inside to an inviting open & split floor plan featuring a wood stove, pellet stove, updated lighting and fixtures, and dual-zone central gas heat and A/C. The open-concept kitchen is a true centerpiece with gorgeous cabinetry, Corian countertops, gas range, and 2 large pantries, making it ideal for gatherings and daily living alike. The home also includes a tankless water heater and whole-house filtration system... New roof 07/2023 transfers GOLD Plan Warranty to new BUYER, freshly painted interior. Every bedroom offers walk-in closets and direct bathroom access, creating comfort and privacy for everyone. A versatile 939 sq. ft. bonus space provides endless possibilities for a game room, or additional living area. Bonus large theater room and bonus office or nursery to suit your lifestyle needs. Outside, enjoy a pergola, irrigation system with automatic timers, and fruit-producing apple and pear trees. The property includes a walk-in chicken coop and three additional outbuildings, perfect for hobbies, storage, or homesteading. Relax on the patio and enjoy the beauty of nature as deer and elk frequently wander by, offering a peaceful retreat while still providing modern conveniences. Endless parking options, double gate for back yard access. No HOA! Evening on patio watching the sunset and a sky filled with stars after a long day. This one-of-a-kind property is a must see!!

1940 Stone Gate Way, Heber
$995,000
4 Beds ⋅ 4 Baths ⋅ 7028923 MLS ⋅ 4,200 SqFt.
Escape to your own private mountain sanctuary on 2.61 acres surrounded by towering pines in the heart of the White Mountains. This exceptional chalet-style retreat combines timeless rustic charm with upscale mountain luxury, offering 3,000 sq ft, 4 bd/3 ba designed for both relaxation and entertaining. From the moment you step inside, you're greeted by soaring ceilings, expansive windows, and rich wood finishes that flood the home with natural light while showcasing the warmth and character of true mountain living. The spacious gourmet kitchen is thoughtfully designed with abundant cabinetry, extensive counter space, and generous storage, seamlessly opening to the dining area and inviting great room which creates the perfect gathering space for family and friends At the center of the home, a stunning floor-to-ceiling stone fireplace with pellet stove insert sets the stage for cozy winter evenings. Upstairs, you'll find additional bedrooms and a spacious loft overlooking the great room below, ideal for a second living area, game room, office, or reading retreat. Ample storage throughout adds convenience and functionality for full-time living or the perfect vacation getaway. Step outside to enjoy the expansive Trex wrap-around deck where you can relax, entertain, and take in the peaceful forest setting and cool mountain air. The property also features a durable metal roof, sprinkler system, and plenty of open space to enjoy the beauty and privacy of the outdoors. Adding even more value and versatility is the impressive detached 3-car garage with a massive 1,200 sq ft loft above, complete with its own full bathroom along with heating and cooling. Whether used as guest quarters, a game room, studio, home office, or additional living space, the possibilities are endless. Bring all your toys, ATVs, trailers, and outdoor gear there is for it all! Located just a few homes away from National Forest access, adventure awaits with endless riding, hiking, and exploring right at your doorstep. This rare White Mountains property offers the perfect blend of privacy, luxury, and year-round recreation which makes for a true mountain escape you'll never want to leave. Come take a look today!

1843 Artists Draw Road, Heber
$390,000
3 Beds ⋅ 2 Baths ⋅ 7022753 MLS ⋅ 1,540 SqFt.
After many happy years, the owners are ready to pass this well-loved cabin on to its next chapter. Move-in ready and thoughtfully maintained, the home features an open floor plan anchored by a spacious living room with vaulted ceilings and a gas fireplace, an inviting spot to unwind or gather with friends. A split-bedroom layout adds privacy for family and guests, and the roomy primary suite includes its own ensuite bath. Upstairs, a flexible loft works equally well as extra sleeping space, a home office, or a game room. The dedicated laundry room opens to a partially fenced yard with a storage shed, making everyday living easy. Whether you're after a weekend retreat or a year-round home, this cabin is ready for its next owner.

3475 Roundup Circle, Heber
$650,000
5 Beds ⋅ 2 Baths ⋅ 7021776 MLS ⋅ 3,027 SqFt.
A 2.43-acre horse property in Buckskin Artists Community West, set up so you can ride out from your own corral. The barn has covered stalls opening onto a fenced corral, with white rail fencing along the lot and room to add another paddock or run. The community's dirt roads connect to the riding country in the surrounding pines. Water comes through the community's own well so there's no separate water bill to worry about. The five-bedroom, two-bath home sits up the rise from the barn, so you can keep an eye on the animals from the wraparound deck. Inside, the great room opens under a vaulted knotty-pine ceiling with skylights, anchored by a stacked-stone gas fireplace. The kitchen shares the same space, with hickory cabinets, granite counters, and an island with a prep sink. Downstairs, the walkout lower level works as a second living floor, separate enough for guest rooms, a bunk space for visiting guests, or a quiet home office, with its own door out to the covered patio under the main deck. The sellers have lovingly planted many trees across the property to fill in alongside the existing junipers and pines, and a detached two-car garage gives you somewhere to keep the trail gear and the second vehicle out of the weather. The deck itself is where most of the time gets spent. Morning coffee while the elk move through the brush below, afternoons in the shade of the covered roof, evenings watching the light change over the hills as the horses settle in for the night. It's a quiet piece of country that you won't want to miss. Priced $25,000 under the most recent appraisal of $750,000, completed March 2026.

1841 Pine Cone Road, Heber
$299,000
3 Beds ⋅ 2 Baths ⋅ 7020743 MLS ⋅ 1,311 SqFt.
One Year Buy Down Offered! A Rare Opportunity to own a Property w/Lots of Privacy Bordering BML Land, & Off Roading Trails but still a Quick Drive to the Charming town of Heber/Overgaard & Snowflake. Ideal for those seeking Peace & Tranquility. Enclosed in a Fully Fenced Yard offering Endless Possibilities w/No HOA. Nestled on a Spacious 0.33-Acre Lot w/a 1 Car Garage, 2 Basement levels & fenced yard Perfect for Livestock, Garden Areas, Grass for Kids or Create Your Dream Outdoor Retreat for Entertaining. The Open Floor Plan maximizes space & features a Living Room w/a Fireplace for Cozy Winter/Rainy Days & Nights. Whether you're looking for Off Grid Living, a Family Retreat, a potential Rental Investment or a Personal Home in the Mountains, this place has been given Love Inside & Out! This Home offers the Tranquility of Mountain Living while remaining just minutes from Amenities, Dining, and Recreation of small town living and all that the White Mountains has to offer! So Bring your Toys and come Explore Northern Arizona.

3834 Serra Way, Heber
$615,000
3 Beds ⋅ 3 Baths ⋅ 7020409 MLS ⋅ 2,490 SqFt.
Beautiful Queen Anne Victorian style home sitting on a 1 acre parcel near forest land. The home is a wonderful retreat in the quiet of the mountains in a secluded canyon. Lots of pine trees and beautifully landscaped as you walk up to front door. As you enter you'll be greeted with a spacious two-story height ceilings in the entry, family room, and parlor. The kitchen plan is open and has two refrigerators. Lots of natural interior light with the Family Room having canyon views. Boasts a screen porch and attached green house. The detached garage also has a fourth full bedroom above with it's own full bath. The home has in-floor boiler heating and forced-air heating. Also, main home comes with air conditioning. There's a potential for solar power and well water. Ask, if there is interest.

3318 Black Canyon Road, Heber
$449,000
2 Beds ⋅ 2 Baths ⋅ 7018687 MLS ⋅ 1,306 SqFt.
Charming chalet-style home in the desirable High Country Pines HOA community with nominal dues! Situated on a heavily treed .57-acre double lot, this property offers privacy, spectacular views, and two driveways in a quiet neighborhood with paved streets. Featuring a rustic log façade with peel pole log and rope accents, this 2 bdrm, 2 bath home includes an upstairs master with full bath and an open loft. Recently replaced front windows enhance natural light, while laminate wood floors, a T&G vaulted ceiling, and a stone-faced wood-burning fireplace create a warm, inviting interior. Enjoy an open kitchen, dining, and living room layout perfect for entertaining, plus covered and uncovered decks to take in the scenery. Complete with a detached 2-car garage and storage shed, this mountain retreat offers both comfort and functionality.

3420 High Country Drive, Heber
$379,000
2 Beds ⋅ 2 Baths ⋅ 7017982 MLS ⋅ 832 SqFt.
***AMAZING VIEWS*** Wake up to an unbroken canopy of pine, pinyon, and juniper stretching as far as you can see. Your own private forest with no rooftops in the way. Brand-new 2026 cabin with a wrap-around Trex deck in High Country Pines. Trade 110-degree Phoenix summers for 70-degree afternoons watching the light move across the pines. At 6,600 feet in Heber-Overgaard, this cabin sits on 0.73 acres bordering an HOA-owned greenbelt that can never be built on, so the trees, the privacy, and the view behind you stay exactly as they are. The wrap-around deck is the heart of this home. Wide, open sightlines, morning coffee, evening sunsets, afternoon shade. Every angle looks out on something worth ***AMAZING VIEWS*** Wake up to an unbroken canopy of pine, pinyon, and juniper stretching as far as you can see. Your own private forest with no rooftops in the way. Brand-new 2026 cabin with a wrap-around Trex deck in High Country Pines. Trade 110-degree Phoenix summers for 70-degree afternoons watching the light move across the pines. At 6,600 feet in Heber-Overgaard, this cabin sits on 0.73 acres bordering an HOA-owned greenbelt that can never be built on, so the trees, the privacy, and the view behind you stay exactly as they are. The wrap-around deck is the heart of this home. Wide, open sightlines, morning coffee, evening sunsets, afternoon shade. Every angle looks out on something worth sitting still for. That connection to the outdoors continues inside. All 832 square feet feel far larger thanks to vaulted ceilings throughout and windows positioned to frame trees and sky from every single room. Wake up to the forest, cook looking out at it, unwind surrounded by it. The U-shaped kitchen features granite counters, a deep single-basin sink, and white shaker cabinets. A full-size stackable washer and dryer tuck neatly into their own closet off the great room. Step off the deck and Apache-Sitgreaves National Forest is just minutes away for hiking, hunting, ATV trails, and fishing right out your door. Built to last, built for peace of mind: - 2x6 framed construction with foam insulation - 30-year metal roof - 30-year smart siding - 25-year Trex wrap-around decking - Tankless hot water heater - Central heat & AC on a WiFi smart thermostat - 20-month builder workmanship warranty, plus transferable manufacturer warranties on the roof, siding, decking, flooring, and HVAC High Country Pines is an established Heber-Overgaard neighborhood with paved, privately maintained roads, a low $60/year HOA, and more wildlife than traffic. Whether you're after a full-time mountain home, a Valley-heat escape, or a low-maintenance weekend cabin, this one is move-in ready the day you close.

1582 Echo Circle, Heber
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