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

$379,000

3 Beds ⋅ 2 Baths ⋅ 7098626 MLS ⋅ 1,382 SqFt.

Tucked back from the road among towering pines, this charming chalet-style retreat sits on a beautifully wooded .73-acre lot in the sought-after, homes-only community of Forest Trails. Step inside to a light-filled great room with soaring ceilings and a cozy fireplace, the perfect spot to gather on cool mountain evenings. The kitchen features a window over the sink overlooking the trees, a garbage disposal, and an R/O drinking water system. The main level offers two bedrooms, a full bath, and a generous laundry room. Upstairs, the spacious primary suite includes a sitting area and large closets, along with a second full bath and a loft that opens onto a large deck, ideal for morning coffee or stargazing in the pines. A 12x12 Tuff Shed with lights and outlets adds great storage or workshop space. Peaceful, private, and ready for you to make it your mountain escape!

2961 Windmill Lane, Overgaard

$469,000

3 Beds ⋅ 2 Baths ⋅ 7097085 MLS ⋅ 1,280 SqFt.

BRAND-NEW 2026 MOUNTAIN RETREAT | SPECTACULAR SUNSETS | PRIVATE AIRPARK Welcome to mountain living at its finest! Nestled among towering ponderosa pines in Overgaard's private Mogollon Airpark community, this stunning new 2026 home offers modern comfort, breathtaking sunsets and the ultimate White Mountains lifestyle! Featuring 3 bedrooms, 2 bathrooms and approx. 1,280 sq ft on a beautiful 0.44-acre lot, this thoughtfully designed single-level home showcases soaring vaulted ceilings, an open great room filled with natural light, granite countertops, custom cabinetry, stainless steel appliances and custom tiled showers. THE CROWN JEWEL? THE INCREDIBLE SUNSET DECK! Step onto your extra-large, partially covered Trex deck and take in spectacular Arizona sunsets surrounded by majestic It's perfect for morning coffee, evening cocktails, entertaining or simply soaking in the mountain serenity! The spacious primary suite features a walk-in closet, double vanity and private deck access. A second bedroom also opens directly onto the deck. Additional comforts include central A/C, forced-air heating, double-pane windows and a laundry room with washer and dryer included. BUILT TO LAST! Builder warranties include 2-year workmanship, 10-year HVAC, 30-year metal roof, 30-year smart siding and 20-year Trex decking. PRIVATE AIRPARK LIVING! Enjoy Mogollon Airpark (AZ82) landing rights on a 3,436-ft paved runway for daytime use, plus a clubhouse, pickleball, tennis and basketball courts, and covered BBQ ramadas. Hangars and hangar tracts occasionally become available for separate purchase. Paved, county-maintained road, minutes from national forest trails, lakes, fishing and hiking!

2273 Constellation Lane, Overgaard

$265,900

1 Beds ⋅ 1 Baths ⋅ 7096709 MLS ⋅ 961 SqFt.

Enjoy the peaceful beauty of Arizona's White Mountains in this well-maintained A-frame cabin in Overgaard. This location offers an opportunity to enjoy the fresh mountain air, towering pines, and relaxed surroundings of Rim Country. Whether you're lookin for a weekend getaway, a seasonal retreat, or a property to make your own, this location offers a welcome escape to the pines. This cabin comes fully furnished. It is a one bedroom, one bath, with a large loft currently being utilized as a guest bedroom. This is a must see to appreciate!

3377 Rim Lakes Drive, Overgaard

$299,900

2 Beds ⋅ 2 Baths ⋅ 7095806 MLS ⋅ 1,232 SqFt.

Very motivated seller invites you to escape to the tall pines of Arizona's beautiful White Mountains! This inviting 2-bedroom, 2-bathroom home offers 1,232 sq. ft. of comfortable living space on a quiet cul-de-sac. Enjoy vaulted ceilings, a cozy wood-burning fireplace, pellet stove in the kitchen, updated appliances, forced air heat, and energy-efficient mini-split heating and cooling. A new metal roof installed in fall 2024 adds peace of mind. The property comes partially furnished and features a spacious crawl space for extra storage. Relax on the covered deck, watch local wildlife, and enjoy a peaceful vacation home, investment property, or full-time residence!

1992 Red Deer Run, Overgaard

$1,100,000

4 Beds ⋅ 3 Baths ⋅ 7094495 MLS ⋅ 3,732 SqFt.

You know that feeling when you're on vacation and catch yourself thinking, ''I could live here''? This is that place. Tucked into the quiet beauty of Arizona's White Mountains, this impeccably maintained custom-built 4-bedroom, 3-bath residence sits on over 3 private acres and offers a rare combination of luxury, space, privacy and four-season mountain living. Imagine stepping outside in the morning to cool mountain air, wildlife wandering nearby and little more than the sound of the breeze moving through the trees. Spend summer days hiking, fishing or exploring nearby off-road trails, then come home to peaceful evenings beneath brilliant sunsets and exceptionally clear night skies where the Milky Way is visible overhead. Winters bring the possibility of a white Christmas, while mild summers offer a welcome escape from the Phoenix heat. Inside, thoughtful details elevate everyday living, including in-floor heat, owned solar, a tankless water heater, floor-to-ceiling bathroom tile, new carpet in select rooms and multiple versatile flex spaces ideal for a private office, gym, den or sitting room. Covered front and rear decks invite you to enjoy the surrounding landscape throughout the seasons, while the fenced backyard features an above-ground spa and partial landscaping. The exterior of the home was recently restained, and the property is served by a private well and septic system. For vehicles, recreational toys and adventure gear, the property offers exceptional storage. In addition to the attached 3-car garage, a detached 1,033 sq ft, 2-bay RV garage features 16-foot ceilings and two 12-foot-wide doors. Here, privacy doesn't mean sacrificing convenience. The property is approximately 2.5 hours north of Phoenix and just 30-45 minutes from Show Low and Pinetop, with groceries, gas, restaurants and local shopping within reach. The surrounding communities offer the charm of small-town mountain living, seasonal events and unforgettable celebrations. This is more than a home in the mountains. It's a place to trade traffic for trails, noise for quiet and hot summer nights for cool breezes beneath a sky full of stars. Whether enjoyed as a full-time residence or private luxury retreat, this property offers the rare opportunity to experience one of Arizona's most peaceful and magical settings.

3357 Basin Road, Overgaard

$434,900

3 Beds ⋅ 2 Baths ⋅ 7092498 MLS ⋅ 1,537 SqFt.

Charming Log-Sided Mountain Home on .66 Acres! (2 lots) Welcome to this charming 3-bedroom, 2-bath log-sided home manufactured situated on a spacious .66-acre lot, offering character, comfort, and plenty of room to enjoy the mountain lifestyle. Vaulted ceilings, skylights, custom wood details, and thoughtful features create a warm and inviting mountain retreat. Near the fire department too! 🏡 Home Features • 3 Bedrooms | 2 Bathrooms • .66 Acres, corner lot and cul-de-sac, paved roads • Log-sided exterior • LVP flooring • Tile plank flooring in dining room • Tile flooring in kitchen • Beautiful Aspen T&G ceilings • Aspen T&G in one bedroom • Vaulted ceilings & skylights • Custom wood valances • Cornerstone and rock surround for pellet stove • Do " Large laundry room with washer & dryer, freezer & storage <} Kitchen & Dining " Knotty oak cabinets " Convenient pull-out drawers " Stainless-steel appliances " Large breakfast bar " Unique antler dining room lighting " Plenty of storage and workspace <2 Outdoor Living " Covered BBQ deck with large bar top--perfect for entertaining " Additional covered deck " Custom wagon-wheel railing " Metal railing " Handicap-accessible ramp " Split-rail wood fencing " Chain-link fencing with drive though gate =— Garage & Bonus Bathroom " Garage features a second septic system " Bathroom with shower, sink & toilet " No hot water heater currently installed for the garage bathroom " Gas wall heater P Mountain Charm + Room to Enjoy! With its rustic log siding, vaulted ceilings, beautiful wood accents, spacious lot, multiple outdoor living areas, and unique garage setup, this property offers a wonderful opportunity to enjoy the Heber-Overgaard mountain lifestyle!

2056 Lumber Valley Road, Overgaard

$405,000

2 Beds ⋅ 2 Baths ⋅ 7092475 MLS ⋅ 1,120 SqFt.

2683 Lodge Loop, Overgaard

$1,250,000

6 Beds ⋅ 4 Baths ⋅ 7091301 MLS ⋅ 3,950 SqFt.

Escape to your own private mountain retreat in Overgaard! Nestled among towering ponderosa pines on 3.68 acres, this spacious Engelmann spruce log home offers 6 bedrooms, 3.5 baths, a loft, and approximately 3,950 sq. ft. of living space. Enjoy vaulted aspen ceilings, hardwood floors, knotty hickory cabinetry, stone fireplace, and a wraparound Trex deck. The cabin sits next to the Tall Timbers County Park. Ready for full time or summer cabin with an underground 500-gallon propane tank. The full basement, 2 1/2-car garage, fenced area, and peaceful forest setting make this a perfect full-time residence, vacation getaway, or family retreat.

2790 Pine Rim Road, Overgaard

$449,995

3 Beds ⋅ 2 Baths ⋅ 7090808 MLS ⋅ 3,036 SqFt.

This 3,036 sq ft multi-level home sits on a private .71-acre lot in Forest Trails, offset far from the street for extra privacy, and backs to the HOA greenbelt for a quiet, tucked-away feel among the tall pines. The main living level features a bright living area with vaulted ceilings, a kitchen with stainless steel appliances, and a dining space that opens through sliding doors onto the large deck. All three bedrooms (including the primary suite) are on this level. Both bathrooms have been fully remodeled with ceramic tile. The stainless glass-top electric range, stainless refrigerator, washer and dryer, plus an additional refrigerator and freezer in the workshop area all convey. The deck is perfect for outdoor living with views of the pines. The lower level has its own separate entry and is a dream come true for a kids' play area, with a loft/living space and two flexible bonus rooms perfect for play, guests, an office, or hobbies. A fun spiral staircase lets kids or guests quickly access and join the main floor. The spacious workshop provides excellent storage plus plenty of room for projects, tools, or hobbies. A covered patio below the main deck adds more outdoor space, and the property includes a treehouse and swing set among the trees! Covered carport parking for two and a gravel parking area. NEW ROOF (June 2024) with a transferable 10-year warranty. Carpets professionally cleaned for the new owners. Offered FURNISHED, so it's a turn-key mountain retreat. Enjoy cool summers, quiet pines, and easy access to Sitgreaves National Forest and the Mogollon Rim, all within minutes of Heber-Overgaard.

2861 Lodgepole Road, Overgaard

$449,000

3 Beds ⋅ 2 Baths ⋅ 7090371 MLS ⋅ 1,547 SqFt.

Escape to the tranquil beauty of the White Mountains of AZ with this stunning mountain retreat! Nestled on a spacious .68-acre lot, surrounded by majestic Ponderosa pines, this home offers the perfect blend of modern luxury and rustic charm. FULLY REMODELED FROM TOP TO BOTTOM Including all new windows, roof, kitchen, bathrooms and flooring, plumbing, electrical and more- every detail has been thoughtfully updated. Enjoy year-round comfort with a new forced air and central air system, a new mini-split, and a cozy pellet stove, all installed in 2024. The expansive, fully fenced yard provides privacy and security, with an additional smaller fenced area specifically for your beloved furry friends. Relax and take in the serene surroundings from the inviting covered porches, both front and back. Inside, discover a bright and airy great room with a vaulted ceiling, creating an open and welcoming atmosphere. This meticulously maintained, move-in-ready home boasts three generous bedrooms, two full bathrooms, and a versatile loft area perfect for a home office or den. The security system conveys too! Practical amenities include a spacious two-car garage and ample room to park an RV or other recreational toys. Best of all, there's NO HOA, giving you the freedom to truly make this your own mountain sanctuary. Don't miss this incredible opportunity to own a piece of paradise! Fully remodled. Two lots = .68 acres fully fenced added pellet stove *Mini split upstairs *heating and cooling *plumbing and electtical *2021 all new kitchen cabinets- counter tops, sink island appliances *2021 all new flooring through out *2021 all new drywall added *2021- two complete new bathrooms *2021 All new windows and doors And so much more Home is move in ready call today for your appointment.

1912 Little Doe Trail, Overgaard

$365,000

2 Beds ⋅ 2 Baths ⋅ 7088033 MLS ⋅ 1,048 SqFt.

You found it! If you've been searching for the perfect home in the woods, this is the one. Welcome to Whispering Pines, your escape to the cool pines and mountain lifestyle. Whether you're looking for a vacation home, short-term rental opportunity, weekend getaway, or a place for the family to make memories, this property checks the boxes. Enjoy a spacious yard with plenty of room to relax and entertain, plus a fenced dog run and storage shed perfect for bringing your four-legged family members along for the adventure. The location is hard to beat. You'll have that peaceful cabin-in-the-woods feeling while still being close to everything the area has to offer. Spend your days exploring, relaxing outdoors, or simply enjoying the fresh mountain air, then come home to your own place in the pines. The cabin. The yard. The location. The mountain lifestyle. It's all here. Properties like this don't come around often!

3346 Whispering Pine Drive, Overgaard

$269,900

2 Beds ⋅ 1 Baths ⋅ 7084487 MLS ⋅ 768 SqFt.

Escape the woods in this charming 2 bed, 1 bath home! This adorable house offers an inviting atmosphere surrounded by the peaceful beauty of nature. Inside you'll find a comfortable layout with plenty of charm making it an ideal retreat or full time home. The bonus bar room is perfect for entertaining. Step outside to the fenced in yard offering space for pets, outdoor gatherings or simply enjoying the serene wooded setting. For added convenience, the property also features an RV hook up and RV gate that provides additional space for parking, storage, hobbies or recreational use. If you are looking for a cozy get away this home is one you won't want to miss.

3367 Rim Lakes Drive, Overgaard

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Overgaard Homes with FHA New Financing

Newest Overgaard Homes with FHA New Financing

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