Surprise Homes with Cash to Loan New Financing

Welcome to Surprise, Arizona – a vibrant city nestled in the heart of Maricopa County, where the sun shines brightly and the opportunities for homeownership are as expansive as the desert sky. With its charming blend of suburban tranquility and urban convenience, Surprise is a hidden gem for families, retirees, and everyone in between.

Surprise boasts a rich tapestry of community life, featuring beautifully landscaped parks, top-notch schools, and a variety of shopping and dining options. Whether you’re enjoying a leisurely day at the Surprise Recreation Campus or indulging in the local culinary scene, there’s something here for everyone. The city is also home to a thriving arts community, with events and festivals that showcase local talent and culture throughout the year.

In addition to its community charm, Surprise offers an array of housing options that cater to diverse lifestyles and budgets. With the exciting opportunity of Cash to Loan New Financing, potential homeowners can navigate the market with ease. This financing option allows buyers to leverage their cash reserves while securing a loan, making it easier to invest in their dream home.

Imagine waking up in a beautiful home that reflects your style, surrounded by the warmth of a welcoming community. With the right financing solutions at your fingertips, your dream of homeownership in Surprise can become a reality. Explore the possibilities today and discover why so many are choosing to call Surprise home. Your new beginning awaits in this enchanting city!

Newest Surprise Homes with Cash to Loan New Financing

$749,000

3 Beds ⋅ 3 Baths ⋅ 7077707 MLS ⋅ 2,001 SqFt.

Welcome to luxury living in the highly sought-after Sterling Grove Golf & Country Club. This stunning ''Potomac'' model perfectly blends modern sophistication with everyday comfort, showcasing exquisite contemporary touches and style throughout its open layout. The main living area immediately impresses with an electric fireplace set into a custom, tiled pop-out wall, creating a sleek focal point for relaxation. Entertaining is effortless thanks to the upgraded chef's kitchen, which comes complete with premium finishes and a dedicated beverage fridge for hosting guests. The indoor-outdoor transition is seamless, anchoring the home with an upgraded black multi-panel 20-foot sliding glass door that opens to a private backyard oasis. Outside, the covered patio overlooks a pristine heated... ... pool with a custom water feature, all complemented by a premium built-in BBQ station. Back inside, the private master suite serves as a peaceful retreat, highlighted by a luxurious master bathroom with a spacious walk-in shower. Practicality meets luxury in the air-conditioned garage, which features clean epoxy flooring and a functional kick-out spot perfectly sized for extra storage, a home gym, or your golf cart. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

17152 W Middlebury Street, Surprise

$579,900

3 Beds ⋅ 2 Baths ⋅ 7077158 MLS ⋅ 1,512 SqFt.

RARE ARIZONA OASIS, Discover the perfect blend of country charm, modern comfort & endless possibilities on this beautifully maintained, FULLY FENCED property. A thriving orchard features citrus, apple, peach, fig, pomegranate, quince, mulberry & rosella hibiscus, plus raised covered gardens w/ WiFi-controlled irrigation. Fenced areas are ready for goats, sheep, chickens or your hobby farm dreams. Enjoy spectacular AZ sunsets under mature shade trees, gather around the fire pit, or relax on the covered patios. Features include an open split floor plan, spacious pantry & laundry, circular drive, dual RV hookups & west-side water/sewer hookups. Whether you envision a hobby farm, farm stand, equestrian retreat or private desert escape-this unique property is ready for your vision--Act Now!

32510 N 165th Avenue, Surprise

$1,359,000

4 Beds ⋅ 4 Baths ⋅ 7073528 MLS ⋅ 3,743 SqFt.

The Ultimate Golf Course Luxury Home. Experience the pinnacle of luxury living in the exclusive Sterling Grove Golf & Country Club with this magnificent Ballantyne model home in Surprise, Arizona. Situated on a rare, oversized golf course lot, this estate delivers breathtaking mountain vistas and unforgettable Arizona sunset views. The outdoor living space is a true sanctuary, featuring an expansive covered patio anchored by a cozy fireplace, creating the perfect setting for upscale entertaining or quiet evening relaxation against the backdrop of the fairways. Inside, an inviting covered entry and extended foyer welcome you into a thoughtfully designed layout, beginning with a spacious, private home office. The home then opens up into a spectacular great room adorned with elegant bea ceilings, which flows effortlessly into a casual dining area and out to the patio beyond. The gourmet chef's kitchen is fully equipped for culinary excellence, boasting premium double ovens, an abundance of counter and cabinet space, a massive walk-in pantry, and a large center island with a breakfast bar. The main-floor primary bedroom suite serves as a private oasis, highlighted by an oversized walk-in closet and a spa-like bathroom complete with a dual-sink vanity, a linen closet, and a luxury glass-enclosed shower with a built-in seat. The second floor is a versatile retreat, opening up to an enormous flex room that is ideal for a home theater, game room, or secondary living lounge. Secluded on this level are the spacious 2nd, 3rd, & 4th bedrooms, each featuring its own walk-in closet, with two sharing a smart Jack-and-Jill bathroom and a third having direct access to a full hall bath. Thoughtful everyday conveniences complete this exceptional floor plan, including a main-level powder room, a dedicated mudroom drop zone, a centrally located laundry room, and plentiful storage options throughout. Epoxy flooring in the garage. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

11534 N San Clemente Street, Surprise

$449,900

4 Beds ⋅ 3 Baths ⋅ 7071779 MLS ⋅ 2,044 SqFt.

Welcome to this Gorgeous home built in 2022, offering 2,044 sqft, beautifully designed living space!Step inside and fall in love with this large, bright, and Open-concept floor plan, perfect for both comfortable everyday living and entertaining family and friends This spacious home features 4 bedrooms and multiple living ares, including a living, family and TV rooms, giving everyone plenty of space to relax, gather, work, or play. A newer construction offers a fresh, modern feel throughout, while generous layout provides wonderful flexibility for today's lifestyle. Ready for its next family to make wonderful memories? This is it!!

17667 W Bajada Road, Surprise

$799,000

4 Beds ⋅ 4 Baths ⋅ 7066738 MLS ⋅ 2,740 SqFt.

Welcome to the prestigious ''Eastwood'' floor plan, perfectly situated within the highly sought-after, single-level Estate Lot section of the exclusive Sterling Grove Golf & Country Club. This exceptional home commands a premium position on an oversized lot with no neighbors directly behind, offering unparalleled privacy while sitting directly across the street from the resort-style clubhouse and premier community amenities. Inside, the open-concept layout is defined by soaring 10-foot ceilings and bathed in natural light, courtesy of a massive multi-panel sliding glass door that seamlessly blends indoor living with the expansive outdoor patio. The interior shines with $30,000 in recent cosmetic upgrades, highlighted by beautiful, brand-new tile flooring flowing throughout the main living. ...areas. Adding to the home's immense utility is a versatile garage pop-out, providing the perfect dedicated space for a third car, a golf cart, or a custom workshop. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

11899 N Spearfish Street, Surprise

$299,900

3 Beds ⋅ 3 Baths ⋅ 7063925 MLS ⋅ 1,344 SqFt.

This beautifully maintained 3-bedroom, 2.5-bath home offers 1,344 square feet of thoughtfully designed living space w/ the perfect blend of comfort, style, and low-maintenance living. Inside discover a bright and inviting open floor plan featuring a spacious great room, dedicated dining area, and a well-appointed kitchen with abundant cabinetry, generous counter space, and ample storage. Neutral tile flooring on the main level, tasteful finishes, and abundant natural light create a warm and welcoming atmosphere. Upstairs, the spacious primary suite provides a peaceful retreat with attractive wood-look flooring, a private covered balcony, and an en-suite bath with dual sinks and plenty of storage. Conveniently located near Loop 303, shopping, dining, parks, schools, and entertainment.

14767 N 177th Avenue, Surprise

$589,000

5 Beds ⋅ 3 Baths ⋅ 7063537 MLS ⋅ 3,078 SqFt.

What makes this home amazing is we are offering an interest rate of 4.99% for the first year to qualified buyers. This beautifully maintained 5-bedroom, 3-bath home is located in the desirable Rancho Mercado community. The open-concept floor plan is perfect for everyday living and entertaining. The gourmet kitchen features soft-close cabinetry and drawers, quartz countertops, a large breakfast bar, stainless steel appliances, and two spacious walk-in pantries for exceptional storage. The main level offers a private bedroom and full bath, making it ideal for guests, extended family, or a mother-in-law suite. Upstairs you'll find the spacious primary suite, three additional bedrooms, a versatile loft/game room, and the convenience of an upstairs laundry room. The luxurious primary bath includes Recent 2026 updates include fresh interior paint and new carpet, making this home truly move-in ready. Conveniently located just approximately 3.5 miles from Loop 303, you'll enjoy easy access to shopping, dining, entertainment, and commuting routes. Don't miss this opportunity to own a better-than-new home with modern finishes, flexible living spaces, and an outstanding location!

14283 W Alameda Road, Surprise

$1,500,000

3 Beds ⋅ 4 Baths ⋅ 7063152 MLS ⋅ 2,457 SqFt.

Nestled within the highly exclusive Estate Lot section of the prestigious Sterling Grove Golf & Country Club, this magnificent ''Bodega'' model commands attention on an oversized, premium 14,193-square-foot lot. Inside, the breathtaking great room serves as the ultimate focal point, boasting soaring vaulted ceilings, a cozy fireplace, and sophisticated wood-paneled accent walls. A massive, multi-paneled sliding glass door effortlessly dissolves the boundary between indoor and outdoor living, drawing you into a spectacular, resort-style backyard paradise.The outdoor space is an entertainer's absolute dream, centered around a lavish patio fully equipped with a built-in barbecue, a massive flat-screen television, custom space heaters, and built-in beer taps at the custom bar... ... Two electronic shades provide effortless climate control and privacy at the touch of a button. Steps away, the sparkling heated pool features five dramatic water features, a relaxing baja shelf, and an attached therapeutic spa. The sprawling grounds are further enhanced by mature, full-grown palm trees, sweet fruit trees, a putting green, and a gas fire pit perfect for starlit conversations. Complete with a double-gate entry leading to a dedicated golf cart garage, this estate offers an unparalleled luxury lifestyle. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

17911 W Mountainair Street, Surprise

$749,999

2 Beds ⋅ 3 Baths ⋅ 7058838 MLS ⋅ 2,001 SqFt.

Experience luxury living in this highly coveted Potomac Spanish residence, located within the prestigious Sterling Grove Golf & Country Club community in Surprise, Arizona. Designed with an optimal split-bedroom layout for maximum privacy, this exceptional property features a bright, open-concept great room that flows effortlessly into a private home office. At the heart of the home is a chef-inspired gourmet kitchen, fully equipped with a gas cooktop, wall oven, built-in microwave, and premium cabinetry. A large quartz island serves as the perfect centerpiece, complemented by a stylish tile backsplash. Elegant window treatments and durable, high-end vinyl flooring run throughout the home's main living areas. The interior transitions seamlessly to a private outdoor oasis via... ...upgraded, multi-panel stacking glass doors. Outside, you can enjoy resort-style Arizona living with a pristine heated pool and spa, completely framed by the rare advantage of having no rear neighbors behind you. When it is time to unwind, the generous master suite offers a peaceful retreat, complete with a spa-like bathroom featuring dual sinks, a dedicated vanity station, a spacious walk-in shower, and an expansive walk-in closet. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

12075 N Luckenbach Street, Surprise

$638,500

2 Beds ⋅ 3 Baths ⋅ 7058813 MLS ⋅ 2,289 SqFt.

OWNED SOLAR. This exceptional property sits on a prime corner lot within the 55+ age-restricted section of Surprise, Arizona's prestigious Sterling Grove Golf & Country Club, offering scenic mountain vistas and direct views of the 10th tee box. Inside, the open-concept great room features vaulted ceilings, recessed lighting, and a dedicated office space, all beautifully styled with strategically placed tile and upgraded Berber carpeting in the bedrooms to create an ideal environment for entertaining. The gourmet kitchen is a chef's dream, fully equipped with a central island, elegant marble countertops, two-toned soft-close cabinetry in white and gray, a tiled backsplash, a walk-in pantry, and premium appliances including a gas cooktop, built-in... ... wall oven, microwave, and refrigerator. The main sleeping quarters are headlined by a spacious primary suite boasting a walk-in closet, recessed lighting, and a luxurious attached bathroom featuring dual vanities, marble counters, and a beautifully tiled walk-in shower. Overnight visitors will appreciate the generous guest ensuite, which includes its own private full bathroom with a traditional shower and tub combination. The backyard serves as a peaceful retreat where residents can unwind while watching golfers tee off against a backdrop of stunning mountain scenery. Additional premium upgrades add significant value to the property, including a Tesla vehicle charger, built-in garage storage (Gladiator brand) cabinets, a side service door, and a dedicated laundry room plumbed for a future sink. Best of all, buyers will enjoy immediate energy savings without the added debt, as the seller will fully pay off the existing solar panel system at closing. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

17376 W Wildwood Street, Surprise

$2,459,000

5 Beds ⋅ 5 Baths ⋅ 7057710 MLS ⋅ 4,396 SqFt.

This one-of-a-kind ''Markham'' model home is situated on a massive, oversized 17,846 sq ft corner lot, offering unparalleled space and luxury. The thoughtfully designed split floor plan features a grand great room with large paneled sliding doors that effortlessly blend indoor and outdoor living. At the heart of the home is a chef's dream kitchen, boasting two kitchen islands, abundant storage, and two walk-in pantries. Perfect for remote work or guests, the main house includes a dedicated office, complemented by a private guest casita complete with its own entry/exit, dedicated living room, and kitchenette. Step outside into a backyard paradise, where a striking marble-tiled surface frames a spectacular pool equipped with fire and water features, alongside an inviting in-ground spa.... ... Entertainment reaches a new scale under a gigantic pergola. The expansive outdoor oasis also comes fully loaded with an in-ground trampoline, a versatile storage/workshop shed, and a lush, real grass area perfect for your pets. This house features solar with 2 Tesla battery packs. Sterling Grove Golf & Country Club is the West Valley's newest golf experience. The Golf Course is a world-class Nicklaus Design course, operated by the renowned Troon Golf Management Services and designed to be enjoyed by golf enthusiasts and newcomers alike. The state-of-the-art practice facilities are second to none. Home your skills at the driving range, putting and chipping greens, or in the golf simulator. This neighborhood has first-class amenities and beautiful views of the White Tank Mountains, lakes, and ponds. You'll also enjoy the neighborhood greenery on your walks, jogs, and bike rides.

17945 W Mountainair Street, Surprise

$449,990

4 Beds ⋅ 3 Baths ⋅ 7057355 MLS ⋅ 2,418 SqFt.

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23035 W Irma Lane, Surprise

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