Overgaard Homes with FHA New Financing

Overgaard Homes with FHA New Financing

Welcome to Overgaard, a charming town located in Navajo County, Arizona. Known for its stunning natural beauty and small-town charm, Overgaard offers a peaceful retreat for those looking to escape the hustle and bustle of city life.

If you're considering purchasing a home in Overgaard, you'll be pleased to know that many properties in the area are eligible for FHA New Financing. This type of financing can make buying a home more accessible and affordable for many buyers, with lower down payment requirements and more flexible credit guidelines.

Whether you're looking for a cozy cabin in the woods, a modern family home, or a spacious property with room to roam, Overgaard has something to offer every buyer. From outdoor enthusiasts to those seeking a quiet place to retire, this town has a little something for everyone.

With its proximity to outdoor recreational activities, including hiking, fishing, and boating, Overgaard is the perfect place to enjoy the great outdoors. And with its friendly community atmosphere and local amenities, you'll feel right at home in no time.

If you're ready to make the move to Overgaard, now is the perfect time to explore the available homes with FHA New Financing options. Contact a local real estate agent to learn more about the properties on the market and find your dream home in this picturesque Arizona town.

Newest Overgaard Homes with FHA New Financing

$385,000
2 Beds ⋅ 2 Baths ⋅ 7056160 MLS ⋅ 1,360 SqFt.
Affordable cabin in the cool pines of the White Mountains. Tucked in the pines and sitting on 1 acre you will find this chalet style home with vaulted ceiling and a loft that could be used for extra sleeping an office or game room. The main bedroom has it's own ensuite and private deck. The split floor plan offers that privacy you have been looking for. There is also an additional guest bedroom and full bath on the main level along with laundry. The kitchen offers ample cabinets space, breakfast bar and dining area. The living room with a beautiful fireplace is the perfect place to cozy up on those cool mountain evenings or crisp mornings. Come take a look today.

2746 Skyhawk Drive Unit 85933, Overgaard
$295,000
3 Beds ⋅ 2 Baths ⋅ 7055183 MLS ⋅ 1,568 SqFt.
Escape to the cool pines of Overgaard in this spacious 3-bedroom, 2-bath home offering 1,568 sq. ft. on a generous 0.34-acre lot. Enjoy panoramic wooded views, a cozy wood-burning fireplace, covered deck, split-bedroom layout, kitchen island, pantry, and dual-pane windows. The property also features a detached garage, carport, workshop, storage, fenced yard, city water, paved county-maintained access, and no HOA or land lease. With a 2019 roof and updated flooring from 2015, this mountain retreat is ideal as a full-time residence, weekend getaway, or seasonal escape!

2182 Wildlife Trail, Overgaard
$474,000
3 Beds ⋅ 2 Baths ⋅ 7054455 MLS ⋅ 1,762 SqFt.
Three-bedroom, two-bath home (1,762 sq ft, split floor plan) on 1.32 acres in Pine Meadows, five combined lots, fully fenced. New metal roof, new propane furnace, new carpet, and fresh exterior paint. Separate living room, dining area, and game room with two pellet stoves. Eat-in kitchen with subway-tile backsplash and stainless LG appliances. Interior laundry hookups, covered back patio, two sheds, owned propane tank, attached one-car garage. Elk and deer are frequent visitors in this part of Heber-Overgaard.

2819 Pine Hill Drive, Overgaard
$499,900
3 Beds ⋅ 2 Baths ⋅ 7054290 MLS ⋅ 1,520 SqFt.
Welcome home to this charming 3-bedroom, 2-bath home on 1.06 acres backing Sitgreaves National Forest! Offering 1,520 sq. ft. of comfortable living space, this well-designed split-bedroom floor plan provides privacy and functionality. Relax or entertain on the covered front and back decks while enjoying the beautifully landscaped yard. The detached extra-deep garage offers ample room for vehicles, storage, or a workshop. With space to spread out both inside and out, this property combines peaceful country-style living with everyday convenience. Don't miss this opportunity to make it yours!

3423 Tonto Drive, Overgaard
$145,000
1 Beds ⋅ 1 Baths ⋅ 7053152 MLS ⋅ 408 SqFt.
Turnkey cabin in the pines, furnished and ready for weekends up north. This 1 bed / 1 bath manufactured home sits on almost a quarter-acre double lot under tall ponderosa pines in Overgaard's Buckskin subdivision. A glassed-in sunroom opens to the covered deck, the perfect spot for morning coffee before heading out to the trails. Furniture, washer, and dryer all convey, so you can bring a toothbrush and be moved in.The RV in back conveys as well. Storage shed, RV hookup, and RV parking for the toys. With plenty of room to spread out, it's a great spot to make family memories in the mountains. Minutes from the Apache-Sitgreaves National Forest, with hiking, ATV trails, and fishing lakes a short drive away.

2164 S Woods Drive, Overgaard
$424,500
2 Beds ⋅ 2 Baths ⋅ 7052967 MLS ⋅ 1,220 SqFt.
Take a look at this unique cedar sided Elk model cabin in Bison Ranch located in the beautiful White Mountains on .21 acres! You will love this warm & inviting cabin with vaulted aspen ceilings & river rock covered fireplace which can be used as gas or regular wood burning. The master bedroom has an added room off the back which they use as the office. Both bathrooms have been updated with granite counter tops, sinks & fixtures. The cabin comes totally furnished & also includes a large shed as well as an 8X12 shed both with electricity. Seller has had new metal railings put on the back deck. Enjoy the peace and beauty of the area while on the front or back deck relaxing with family and friends. Bison Ranch amenities include a fish & release pond, tennis/pickleball court, children's play area. There is also stores and restaurants located in the Bison Town all within walking distance. Bison Ranch is located on the National Forest for miles of hiking, quads, or just driving and seeing deer, wild horses and occasional elk. Much to do or to take time and relax and enjoy the beauty of the area.

2702 Palomino Trail, Overgaard
$590,000
3 Beds ⋅ 3 Baths ⋅ 7051489 MLS ⋅ 1,664 SqFt.
Turnkey mountain living in the exclusive Mogollon Airpark! This meticulously maintained 3BR/2.5BA home comes furnished; just bring your bags (and your logbook). A 5-minute walk puts you at the aircraft tie-downs, lodge, pickleball, tennis & basketball courts and BBQ ramadas. Inside, vaulted knotty pine ceilings, a floor-to-ceiling stone gas fireplace and a wall of windows fill the open great room with light and forest views. Entertain on the massive wraparound deck or relax in the large screened all-season room while deer and wildlife wander the private, heavily treed 0.83-acre lot. Attached 2-car garage. Paved, county-maintained roads for easy year-round access. Active social aviation community and home of EAA Chapter 1044. Come see why neighbors never want to leave!

2774 Air Park Drive, Overgaard
$649,900
4 Beds ⋅ 3 Baths ⋅ 7050870 MLS ⋅ 3,377 SqFt.
Escape to the cool pines of Overgaard with this unique property on over 2 fully fenced acres! The main home offers 3 bedrooms, 2 baths, a warm sunken living room with a stunning pine ceiling, and storm shutters on every window, making it ideal for a lock-and-leave lifestyle. The primary bath has been recently updated with a gorgeous walk in tile shower. Flooring has also been recently updated. Guests will love the detached 1-bedroom, 1-bath casita featuring a kitchenette and cozy fireplace. The property also includes a detached one-car garage, two storage sheds, a greenhouse, and a charming gazebo, providing endless possibilities for hobbies, gardening, entertaining, or multi-generational living. Room to relax, roam, and enjoy mountain living at its best!

3071 Ponderosa Road, Overgaard
$648,746
2 Beds ⋅ 2 Baths ⋅ 7049698 MLS ⋅ 2,394 SqFt.
This isn't a cabin. It's a modern A-frame statement in the pines. Contrasting white and black colors make it standout in between the trees. Large, Clean, Private .81 acre size lot. Featuring an impressive wraparound deck with covered porch and balcony off the primary. Home has unique architecture with a Turret entry with French doors all around the rebuilt deck. Massive A-frame windows provide natural light throughout great room. Property was completely remodeled from the studs, featuring new drywall, Comp Roof, HVAC & Ducting, wood like LVP flooring, sage green kitchen cabinets with pulls, beautiful Quartz countertops with Gold veins, tile showers with pebble flooring, a stand alone tub in the primary, vaulted wood T&G ceilings, soaring fireplace with stone, a custom mantle and shiplap. Upgraded trim and closets, New interior doors, hardware, fans and lighting as well as electrical and plumbing upgrades throughout the property. What a drastic change, check out the before and after pictures.

2870 Cedar Ridge, Overgaard
$189,500
2 Beds ⋅ 1 Baths ⋅ 7049178 MLS ⋅ 784 SqFt.
Escape to the cool mountain air in this move-in ready 2-bedroom home featuring a desirable split floor plan. Stay comfortable year-round with electric forced-air heat and a mini-split heating and cooling system. Relax on the covered entry or side deck, while privacy fencing creates your own peaceful retreat. Additional highlights include a durable metal roof, carport, RV parking, and no HOA. Conveniently located in the heart of Heber-Overgaard with easy access to shopping, dining, and local services. Perfect as a full-time residence, weekend getaway, or seasonal escape!

3466 Evergreen Drive, Overgaard
$499,900
3 Beds ⋅ 2 Baths ⋅ 7049079 MLS ⋅ 1,580 SqFt.
Step inside and be greeted by an open floor plan that offers stunning views of the National Forest! This 3 bed, 2 bath, plus den home is an unforgettable experience. You can relax and enjoy watching majestic wild horses, elk, and deer from your spacious back deck. Witness the breathtaking sunsets that light up the evening sky, creating a truly magical ambiance. This home features a T&G vaulted ceiling, and all-new luxury vinyl flooring. Immerse yourself in the elegance of the updated kitchen, stainless steel appliances, granite countertops, and a custom backsplash add a touch of luxury. Both bathrooms feature beautiful custom tile showers, granite countertops, vessel sinks, and new lighting, ensuring a comfortable and inviting space. Throughout the home, the luxury vinyl flooring and fresh interior paint create a cohesive and inviting atmosphere. Energy-efficient Anderson windows, plantation shutters, and other upgrades enhance the home's comfort and style. This home is perfect for year-round living, a delightful weekend getaway, or a summer escape. It offers a rare opportunity to enjoy the tranquility of the forest from the comfort of your own home. Bison Ranch is a vibrant community that offers a variety of recreational activities, including catch and release fishing, tennis, pickleball, basketball, and volleyball. There are also nice picnic areas and a children's playground, making it an ideal place for families. Within walking distance, you'll find the ever-so-popular Wild Woman Saloon, 260 Brewery, and AZTEX coffee shop, as well as other shopping options. This home truly offers a summer retreat from the heat, providing a peaceful and enjoyable lifestyle.

2660 Palomino Trail, Overgaard
$299,900
2 Beds ⋅ 2 Baths ⋅ 7048731 MLS ⋅ 704 SqFt.
Immaculately maintained, tastefully updated 2 BR, 2 BA home offers 704 sq. ft. of comfortable living on a fenced 0.15-acre lot. The beautifully landscaped yard creates a private outdoor retreat with low-maintenance appeal. Relax in the hot tub or entertain year-round in the outdoor entertainment room. A large storage shed provides plenty of space for tools, hobbies, or extra storage. Whether you're looking for a full-time residence, weekend getaway, or investment property, this home combines comfort, functionality, and exceptional outdoor living in a meticulously cared-for setting.

2063 Elkhorn Draw --, Overgaard
Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.