Overgaard Homes with Owner May Carry New Financing

Welcome to Overgaard, a charming town nestled in the heart of 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.

One unique feature of the real estate market in Overgaard is the availability of homes with Owner May Carry new financing. This option provides flexibility for both buyers and sellers, allowing for a smoother transaction process. Whether you're a first-time homebuyer or looking to invest in a vacation property, Owner May Carry financing can make your dream of homeownership a reality.

Imagine waking up to the crisp mountain air and breathtaking views of the surrounding pine forests. With a variety of homes available, from cozy cabins to spacious family residences, Overgaard has something to offer for everyone. Whether you enjoy outdoor adventures like hiking and fishing or simply prefer to relax and take in the scenic beauty, Overgaard has it all.

Don't miss the opportunity to own a piece of this idyllic town. Contact us today to learn more about homes with Owner May Carry new financing in Overgaard and start your journey to finding your perfect home in this picturesque Arizona town.

Newest Overgaard Homes with Owner May Carry New Financing

$335,000

2 Beds ⋅ 2 Baths ⋅ 7038618 MLS ⋅ 971 SqFt.

Charming cabin retreat in Heber-Overgaard's cool pines. 972SF with soaring ceilings, loft, river rock wall, hardwood floors & clerestory windows. Metal roof, large composite wrap-around deck with tree views. Detached log-sided garage, 2-story Tuff Shed, greenhouse & garden area. Listing includes add'l lot behind w/12,087 SF (~0.55 acres combined) -- adjacent lot 12,189 SF also available. A full L-shaped assemblage possible for a total of nearly an acre. Star-filled skies, fresh mountain air & endless recreation -- hiking, fishing, lakes & off-road trails. Room for your RV & toys. Owner financing & lease-purchase available. Two hours from Phoenix. White Mountains at their best! They are calling, and the cool pines are waiting! At 6,600 feet in the White Mountains, Heber-Overgaard runs 25+ degrees cooler than the Valley -- close enough for a weekend, far enough to actually decompress. This is where Phoenix comes to breathe. Step out the door and you're minutes from world-class fishing at Woods Canyon, Willow Springs, and Show Low lakes. Hundreds of miles of hiking and off-road trails wind through the Apache-Sitgreaves National Forest. Hunting, stargazing, snowshoeing in winter -- outdoor recreation here isn't a weekend activity; it's a way of life. Star-filled skies cap every evening. Room for the RV, ATVs, and all the gear that makes mountain life actually work. The greenhouse and garden beds support a slower, more intentional lifestyle many are specifically seeking when they head up the mountain. The back lot connects directly to the home's existing setup -- privacy, breathing room, and options including building an additional home. Separate parcel already. There is also an adjacent lot available from the same owner for a full L-shaped assemblage of 3 lots. One seller, clean title, creative terms available. Owner financing and lease-purchase terms negotiable. Free and clear--if conventional financing has been a barrier, this is worth a conversation. Some escapes are temporary. This one can be permanent!

2758 Zane Grey Boulevard, Overgaard

$95,000

7027047 MLS

Very rare opportunity to buy a lot that is connected to sewer. Nicely pine tree covered lot. All underground utilities. Homes only neighborhood with CC&R's to protect your investment. Open space to the back of the property with no neighbors. Paved roads in a mostly built out community. seller may carry. Come see this beautiful lot today.

2223 Fairway Drive Unit 16, Overgaard

$75,000

7001831 MLS

Build your own mountain cabin on this site built only piece of land with a 3 bedroom septic already in place, Don Perkins with Navajo County has approved this septic and will allow a site built home to be built, with current location of tank. Cool weather and a short distance to get to the National Forest and Fishing Lakes. Don't miss your opportunity to own land in the White Mountains.

2806-2808 Pine Hill Drive Unit 013 & 014, Overgaard

$20,000

6991537 MLS

Offering Seller Financing, & Lease Purchase. Escape the desert heat and build your dream cabin or full-time mountain retreat on this 0.28-acre (12,189 SF) homesite nestled among towering ponderosa pines in Arizona's beautiful White Mountains. Located near Hwy 260 for easy year-round access, this lot offers a peaceful setting with nearby homes. Water and electricity connections are close. Enjoy fresh mountain air, star-filled skies, and endless outdoor recreation, including hiking, fishing, lakes, and off-road trails. Whether you envision a cozy cabin getaway or a custom mountain home, this is your opportunity to own a slice of high-country paradise.

2287 Meadow Lane Unit 165, Overgaard

$425,000

3 Beds ⋅ 2 Baths ⋅ 6989074 MLS ⋅ 1,250 SqFt.

Welcome to this beautifully maintained 3 Bedroom 2 Bath Home that comfortably sleeps 8. Stay for the weekend, summer or Forever! *Ask about Seller Fianacing. The home/cabin offers Grand Living: with Soaring vaulted ceilings and a cozy gas fireplace. Chef's Kitchen: Custom island, breakfast bar, and stainless appliances. The Primary Suite is an Airy sanctuary with a floor-to-ceiling custom tiled shower and walk-in closet. It has a Dedicated laundry room with a brand-new washer/dryer. This home is set up perfectly for an Air B and B and has strong rental and income history. Enjoy the outdoor Living & Privacy while you Relax on the spacious front porch or private back deck. The oversized, fully fenced backyard features a rare RV gate--perfect for securing your UTVs and mountain gear. Prime Location: Live 20-30 degrees cooler than the desert floor! Just minutes from Sitgreaves National Forest and the Mogollon Rim for world-class hiking, fishing, and off-roading. Whether you're seeking a lucrative investment or a private sanctuary, this pristine mountain treasure is built to perform.

2718 Church Lane, Overgaard

$125,000

6958066 MLS

Discover the quiet beauty of mountain living at 2968 CONSTELLATION LN -, Overgaard, AZ 85933. This peaceful 1.25-acre parcel invites you to embrace tranquility beneath a stunning canopy of towering Ponderosa Pines, where the air is crisp, the skies are brilliant, and nature surrounds you at every turn. Perfectly positioned just steps from the US National Forest, this homes-only lot offers the ideal setting to build your secluded family retreat or dream cabin getaway. Spend your mornings breathing in the fresh scent of pine, sipping coffee on your future porch, and watching elk and deer wander gently through the trees. With utilities available and no HOA restrictions, you'll enjoy the freedom to design and build on your own terms. Horses are welcome, giving you even more opportunity to create the lifestyle you've always imagined. Located just beyond the Mogollon Airpark, this property provides the perfect balance of privacy and accessibility -- peaceful and tucked away, yet conveniently close to local amenities. If you're longing for star-filled nights, whispering pines, and room to roam, this beautiful Overgaard parcel is ready to bring your mountain vision to life.

2968 Constellation 028 Lane Unit -, Overgaard

$125,000

6958065 MLS

Discover the perfect balance of privacy, freedom, and natural beauty at 2968 CONSTELLATION Lane in Overgaard, AZ. This exceptional 1.25-acre homes-only parcel invites you to slow down, breathe deep, and build the mountain retreat you've always envisioned. Tucked beneath a majestic canopy of towering Ponderosa Pines, this serene property offers a peaceful escape just steps from the US National Forest--where miles of trails, wildlife, and outdoor adventure await right outside your door. Whether you dream of a cozy cabin getaway or a spacious custom home, this expansive lot provides the ideal canvas. Enjoy the rare advantage of no HOA restrictions, giving you the flexibility to design and live your way. Utilities are available, and horses are welcome-- Perfect for those seeking a true country lifestyle with room to roam. Situated just beyond the Mogollon Airpark, you'll appreciate the harmonious blend of seclusion and convenience. If you've been searching for fresh mountain air, star-filled skies, and the freedom to create your own retreat, this Overgaard gem delivers it all. Your tranquil escape starts here. (Corner Lot)

2968 Constellation 029 Lane Unit -, Overgaard

$44,400

6951216 MLS

OWNER WANTS SOLD!!! GREAT OPPORTUNIITY: Commercial/Residential lot with highway frontage on SR 260 in Heber. This elevated rectangular lot measure 120' x 150' and shares street frontage on SR 260 and Pine Top Drive and has a new access drive cut in off Pine Top Dr. Great location in town and great views from the top of the nearly flat lot. Get creative, plenty of uses. Also for lease at $1200 per month. Owner says he believes a perc test was done in the past but he does not have a record of it. Property is being sold 'AS IS'. Buyer and Buyer's agent to verify any and all information that may be of importance to Buyer.

1915 Az-260 -- Unit 178, Overgaard

$1,099,000

3 Beds ⋅ 3 Baths ⋅ 6854195 MLS ⋅ 2,744 SqFt.

Looking for your perfect escape from triple-digit summers? This modern mountain retreat in Overgaard sits at 6,600 feet elevation, where cool pines replace scorching pavement and the Mogollon Rim becomes your backyard. And getting here just got easier: the seller is offering private financing at 4% interest with 25% down, and is open to trading for a home in the Phoenix metro area. Two creative paths to ownership, one extraordinary destination. The unforgettable Mogollon Rim views steal the show in this modern mountain retreat, designed to bring nature to your doorstep, which is best experienced in person. Perched on a private, firewise corner lot, this south-facing stunner features expansive glass doors, multiple wood balconies, and sleek interior finishes including solid oak flooring, peacock slate bathrooms, and a premium LG kitchen with induction range. A full guest studio with private entry, kitchen, and bath offers flexible living for guests, multigenerational households, or even summer cooking. Step inside and you'll feel it immediately: this is not just a home... it's a retreat. A place to reset, reconnect, and unwind. South-facing windows frame an ever-changing panorama of the Mogollon Rim, with sunlight dancing through the trees and into the heart of the home. The open-concept great room flows seamlessly to outdoor decks perfect for sipping coffee at sunrise, sharing wine at sunset, or simply breathing in the fresh mountain air. Whether you're entertaining or savoring quiet solitude, nature is always in view. The main kitchen is as refined as it is functional, featuring granite counters, sleek cabinetry, and top-of-the-line LG appliances including an induction cooktop with air-fry feature. A second full kitchen on the lower level offers added convenience, doubling as a summer kitchen or a fully independent suite for long-term guests. Planning to age in place, accommodate varying mobility levels, or just enjoy an easier way to bring up your gear and groceries? The built-in elevator provides smooth access to the upper level -- perfect for second homeowners, multigenerational living, or those who simply prefer an effortless lifestyle. Bathrooms are elevated with spa-like slate and granite finishes, walk-in showers, river rock floors, upgraded fixtures, and fan timers. From the heated, epoxy-coated garage and programmable thermostats to the seamless rain gutters and leveler blinds, no detail was overlooked. A central vacuum system, 200-amp electric service, and electric water heaters with timers add to the home's quiet efficiency. Roof is composite with a lifetime manufacturer's guarantee. Outside, fire-resistant native landscaping blends beauty with safety, while a rounded driveway ensures ease of access year-round. Central A/C keeps you comfortable through every season. Whether you're seeking a high-end primary residence or a lock-and-leave second home, this one-of-a-kind property offers the lifestyle you've been dreaming about. Photos can't fully capture the calm. Drive through the neighborhood. Sit on the balcony. Feel what it's like to live above it all.

2943 E Lookout Lane, Overgaard

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