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On this page: What Is an Assumable Mortgage? | How It Works | Loan Types | Benefits & Risks | The Process | FAQs

What Is an Assumable Mortgage?

An assumable mortgage is a home loan that allows the buyer to take over the seller's existing mortgage — including its original interest rate, remaining balance, and loan terms — instead of obtaining a new loan at current market rates. In a high-rate environment, this can be one of the most powerful tools available to home buyers, allowing access to interest rates that may be 2–4 percentage points below what is currently available in the market.

The concept is straightforward: if a seller purchased their home in 2020 or 2021 with a 3.0% or 3.5% FHA or VA loan, a qualified buyer can step into that loan rather than taking out a new mortgage at today's higher rates. The monthly payment savings can be dramatic — potentially $500–$1,000 or more per month on a typical Arizona home purchase, representing tens of thousands of dollars in savings over the life of the loan.

Assumable mortgages are not widely advertised, and many buyers and even some real estate agents are unaware that this option exists for certain loan types. Working with an agent who understands assumable financing and actively identifies assumable listings can give you a meaningful competitive advantage in the current market.

How Assumable Mortgages Work in Arizona

When a buyer assumes a seller's mortgage, the lender must approve the transaction. The buyer applies through the existing loan servicer — the same lender managing the seller's loan — and undergoes a qualification process similar to a standard loan application: credit check, income verification, debt-to-income analysis, and approval. The key difference is that upon approval, the buyer takes over the existing loan's rate and remaining term rather than starting a new 30-year mortgage at current rates.

Handling the equity gap. The primary complexity in most assumable transactions is the gap between the assumed loan balance and the purchase price. If a seller has a $250,000 remaining balance on a home now worth $450,000, the buyer needs to cover the $200,000 difference — typically with a combination of down payment cash and a second loan. Options for funding this gap include cash, a home equity loan, a second mortgage, or in some cases a seller-financed second. The math on whether the below-market first mortgage rate outweighs the cost of the gap financing determines whether the assumption actually saves money versus a conventional purchase.

Timeline considerations. VA loan assumptions can take 45–90 days or longer through the approval process — longer than a standard purchase transaction. Buyers pursuing assumptions should build this extended timeline into their planning, particularly if they have a firm move-in date or a lease expiring.

The seller's release of liability. Sellers need to ensure they receive a formal release of liability from the lender upon the assumption's completion — particularly critical for VA loan sellers, since their VA entitlement remains encumbered until either the buyer receives a substitution of entitlement (must be a veteran) or the loan is refinanced or paid off. Without a proper release, the seller remains legally responsible for the loan even after transferring the home.

Which Loan Types Are Assumable?

FHA Loans — Assumable with lender approval. FHA (Federal Housing Administration) loans are assumable by any qualified buyer — the assuming buyer does not need to be a veteran or meet any special eligibility beyond creditworthiness and income qualification. FHA loans originated between 2020 and 2022 when rates were at historic lows represent some of the most attractive assumption opportunities available. The assuming buyer must qualify through the FHA lender and meet standard FHA credit and income requirements. FHA assumptions do not require the buyer to be a first-time homebuyer.

VA Loans — Assumable by veterans and civilians. VA (Veterans Affairs) loans are assumable by both veterans and non-veteran buyers, though the mechanics differ. When a non-veteran assumes a VA loan, the original veteran seller's VA entitlement remains tied up until the loan is paid off or refinanced — which can limit the seller's ability to use VA financing for a future purchase. When a qualified veteran assumes the loan and the lender approves a substitution of entitlement, the seller's entitlement is restored. VA loan assumptions require lender approval and full buyer qualification through the VA loan servicer. VA loans from 2020–2022 at rates as low as 2.25%–3.5% represent extraordinary assumption opportunities.

USDA Loans — Assumable with restrictions. USDA (U.S. Department of Agriculture) rural development loans are technically assumable but with additional USDA approval requirements. The assuming buyer must meet USDA income and eligibility requirements for the property location. USDA assumable loans are less common in the Phoenix metro's primary markets but may apply to properties in rural areas like Coolidge, Florence, or outlying San Tan Valley.

Conventional Loans — Generally NOT assumable. The vast majority of conventional loans (Fannie Mae and Freddie Mac-backed mortgages) include due-on-sale clauses that require the full balance to be paid upon transfer of the property. There are rare exceptions, but in practice, conventional loans are not assumable. Buyers and sellers with conventional loans should not plan for assumption as an option.

Benefits and Risks of Assumable Mortgages

Key benefits for buyers:

The primary benefit is access to a below-market interest rate, which translates directly into a lower monthly payment and significantly reduced total interest paid over the life of the loan. In a market where current mortgage rates are 6.5%–7.5%, assuming a seller's 3.0%–3.5% FHA or VA loan can reduce monthly principal and interest payments by $400–$1,000+ on a typical Arizona purchase — savings that compound dramatically over a 30-year horizon.

Buyers also benefit from reduced closing costs compared to originating a new loan — no origination fees, no points, and in most cases lower overall lender fees since the assumption goes through the existing servicer. The VA funding fee is also reduced or eliminated in many assumption scenarios versus new VA loan origination.

Key risks and limitations for buyers:

The equity gap is the primary challenge — most assumable loans have been partially paid down and the home has appreciated, meaning buyers need significant cash or secondary financing to cover the difference. If the gap is large enough that secondary financing is required at a high rate, the blended cost of funds may reduce or eliminate the rate savings.

Extended timelines are a real risk — VA assumption approvals in particular can drag on, and sellers may not be willing to wait. Having experienced representation that understands how to structure and accelerate assumption transactions is essential.

Key considerations for sellers:

Sellers with low-rate FHA or VA loans have a legitimate marketing advantage that should be emphasized in their listing strategy. An assumable 3% loan is a genuine feature that attracts buyers and can justify a higher sale price. However, sellers must understand their release of liability requirements, particularly VA sellers who need to protect their entitlement for future purchases.

How to Buy a Home with an Assumable Mortgage in Arizona

Step 1 — Identify assumable listings. Not all listings advertise assumable financing, and many sellers are not even aware their loan is assumable. Finding assumable listings requires an agent who actively searches MLS data for FHA and VA loan types and identifies candidates. The search above shows current Arizona listings — contact us and we will identify which have assumable financing.

Step 2 — Confirm the loan details. Before structuring an offer around an assumption, confirm the loan type (FHA or VA), remaining balance, current interest rate, and remaining term. The seller's lender or loan servicer can provide these details. Calculate whether the equity gap is financeable given your available cash and secondary financing options.

Step 3 — Make an offer that accounts for assumption. Offers on assumable transactions need to include specific contingency language for assumption approval and realistic timelines. A standard 30-day close is typically not feasible for VA assumptions — build in 60–90 days. Structure your offer to protect your earnest money if assumption approval is denied.

Step 4 — Apply through the existing servicer. The assumption application goes directly to the seller's loan servicer — not a new lender of your choosing. You will provide full income, credit, and asset documentation for qualification. The servicer reviews and approves or denies the assumption based on their underwriting standards.

Step 5 — Gap financing if needed. If you cannot cover the equity gap with cash, arrange secondary financing in parallel. This may be a home equity loan, a second mortgage, or seller financing. Coordinate the timing of both approvals to ensure a smooth close.

Step 6 — Close and record the assumption. At closing, the deed transfers to the buyer and the assumption agreement is executed and recorded. Confirm the seller's release of liability is documented. For VA transactions, confirm entitlement restoration or substitution is properly handled.

Frequently Asked Questions About Assumable Mortgages in Arizona

How do I know if a home has an assumable mortgage?
MLS listings do not always note assumability, but FHA and VA loan types are often visible in listing data. Your agent can research the seller's loan type and contact the listing agent to confirm. Many sellers are not aware their loan is assumable — your agent surfacing this can actually be a positive conversation that opens negotiation.

Do I need to be a veteran to assume a VA loan?
No — civilian buyers can assume VA loans with lender approval. However, the VA seller's entitlement remains encumbered until the loan is paid off or refinanced unless the assuming buyer is a qualifying veteran who executes a substitution of entitlement. Sellers should understand this implication for their future VA loan eligibility before agreeing to a civilian assumption.

What credit score do I need to assume an FHA loan?
FHA loan assumptions generally require a minimum 580 credit score (some lenders 620+), though lender-specific overlays may require higher scores. Income, debt-to-income ratio, and employment stability are also evaluated. The qualification process mirrors a standard FHA loan application.

Are there assumable mortgage listings in the Phoenix East Valley area?
Yes — given the high volume of FHA and VA purchases that occurred during 2020–2022, there are assumable loan opportunities across Gilbert, Chandler, Queen Creek, Mesa, and other Phoenix metro markets. These do not always surface in standard searches — contact us and we will actively search for assumable options that match your criteria.

Can the seller charge a premium for an assumable loan?
Sellers can price their homes to reflect the value of below-market financing — and many do, or should. A home with an assumable 3% VA loan in a 7% rate environment has a quantifiable financial advantage worth thousands of dollars per year in payment savings. The market is increasingly recognizing and pricing this value.

Looking for homes with assumable mortgages in Arizona? Contact Megan & Jason Williams — call or text us at 480-618-1890. We actively search for assumable financing opportunities and can help you navigate the assumption process from offer to close.

Homes for Sale with Assumable Loans

3959 E Liberty Lane E, Gilbert
$600,000
4 Beds ⋅ 2 Baths ⋅ 7098077 MLS ⋅ 2,177 SqFt.
Welcome to this beautifully designed 4-bedroom, 2-bathroom home offering 2,177 sq. ft. of comfortable living space in Gilbert's desirable Segretto community! Built in 2017, this single-level home combines an inviting open-concept layout with stylish finishes and an incredible backyard designed for enjoying the Arizona lifestyle. Step inside to discover a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen features crisp white cabinetry, granite countertops, a generous center island with breakfast bar, stainless steel appliances, and a walk-in pantry--perfect for meal prep, entertaining, and everyday living. Neutral finishes, wood-look flooring, and abundant natural light create a welcoming atmosphere throughout. The thoughtfully designed split-bedr floor plan offers privacy and flexibility, with four bedrooms and two bathrooms. The primary suite provides a relaxing retreat, complete with a walk-in closet, dual-sink vanity, and private water closet. Additional highlights include 9-foot-plus ceilings, an indoor laundry area, and a spacious two-car garage. The backyard is where this home truly shines! Enjoy a covered patio, lush artificial turf, attractive paver walkways, and a beautiful wood pergola that creates a natural gathering place for outdoor entertaining. The dedicated fire pit area sets the scene for relaxing evenings under the Arizona sky, while the combination of lawn and hardscape offers room to unwind and enjoy the outdoors. The low-maintenance landscaping means more time enjoying your space and less time caring for it.

3959 E Liberty Lane E, Gilbert

17707 W Windrose Drive, Surprise
$775,000
3 Beds ⋅ 3 Baths ⋅ 7098057 MLS ⋅ 2,300 SqFt.
EXCEPTIONAL SINGLE-LEVEL LIVING WITH RV GARAGE, OWNED SOLAR & RESORT-STYLE BACKYARD! ORIGINAL HOMEOWNER!! Discover luxury, comfort, and versatility in this beautifully upgraded home situated on an expansive quarter-acre corner lot in desirable Sarah Ann Ranch, conveniently located next to the community park! Offering over 2,300 square feet, 3 bedrooms w/ walk in closets, 2.5 bathrooms, and a versatile den, this thoughtfully designed residence showcases exceptional attention to detail throughout. Step inside to an inviting open floor plan featuring beautiful chevron flooring, granite countertops, upgraded cabinetry, elegant pendant lighting, custom shutters, and stylish finishes. The spacious great room offers an ideal setting for entertaining, while the split-bedroom layout provides privacy and comfort. Additional interior enhancements include surround sound, upgraded lighting, and decorative glass entry doors. Your private backyard oasis is an entertainer's dream! Enjoy a sparkling Pebble Tec pool featuring a Baja shelf, bubblers, variable-speed pump, in-floor cleaning system, and pool cover. The extended covered patio, outdoor misting system, synthetic turf, Tuf Shed for storage needs, travertine pavers and beautifully designed outdoor spaces create the perfect setting for enjoying Arizona's year-round sunshine. The premium corner lot offers added privacy with no neighboring home directly to the east. Car enthusiasts and recreational vehicle owners will appreciate the exceptional garage accommodations! Featuring a spacious RV garage with rear access, an additional 3-car garage, insulated garage doors and walls, garage mini-split cooling system, epoxy flooring, built-in cabinetry, utility sink, and a 10-foot side gate for added flexibility. Bring your toys!! Additional highlights include fully owned solar, a water filtration system, upgraded fixtures, ceiling fans, and enhanced security features. Combining luxury finishes, outstanding garage capacity, energy efficiency, and resort-inspired outdoor living with the added convenience of a community park just steps away, this exceptional property offers a rare opportunity to enjoy the very best of the Arizona lifestyle!

17707 W Windrose Drive, Surprise

11166 W Mountain View Drive, Avondale
$355,000
3 Beds ⋅ 2 Baths ⋅ 7096656 MLS ⋅ 1,723 SqFt.
An incredible opportunity awaits in the desirable Durango Park community! Offering the ideal layout and low-maintenance lifestyle of a classic starter home, this single-level residence features 3 bedrooms, 2 bathrooms, and an open floor plan designed for effortless living. The heart of the home centers around a spacious kitchen anchored by a large island that seamlessly connects to the open dining and living areas, complete with matching appliances and a walk-in pantry. In addition to the inviting living spaces, enjoy beautifully updated bathrooms, including a renovated guest bath with a walk-in shower as well as a private primary suite boasting a refreshed vanity, updated mirrors, and a walk-in closet. An incredible opportunity awaits in the desirable Durango Park community! Offering the ideal layout and low-maintenance lifestyle of a classic starter home, this single-level residence features 3 bedrooms, 2 bathrooms, and an open floor plan designed for effortless living. The heart of the home centers around a spacious kitchen anchored by a large island that seamlessly connects to the open dining and living areas, complete with stainless steel appliances and a walk-in Step outside to discover a generously sized backyard with a patio space ready for outdoor dining, weekend relaxation, and personal customization. Mature trees provide welcome shade, creating an inviting retreat day or night. Convenience is unmatched with Durango Park amenities, community pool, neighborhood parks, and nearby schools just steps away. Everyday shopping is right around the corner at Avondale Fiesta, while premier entertainment and dining along the McDowell Road corridor--including Harkins Theatres at Gateway Pavilions, Target, Sprouts Farmers Market, and quick freeway access--are all just 10 to 15 minutes from your front door. Don't miss your chance to make this charming Avondale home your own!

11166 W Mountain View Drive, Avondale

17626 N 168th Drive, Surprise
$379,000
3 Beds ⋅ 2 Baths ⋅ 7096513 MLS ⋅ 1,679 SqFt.
JUST LISTED -- ONLY $379,000 IN SURPRISE, AZ! Incredible Value. Extensive Upgrades. Smart Technology. Energy-Efficient Living Why settle for ordinary when you can have EXTRAORDINARY VALUE? Welcome home to this beautifully updated Surprise gem, where comfort, modern technology, and energy efficiency come together! Packed with impressive upgrades inside and out, this home offers incredible value Step inside to discover fresh interior paint, beautiful tile flooring, updated fixtures and hardware, and a kitchen equipped with brand-new appliances, including an oven, microwave, and dishwasher. Enjoy a whole-home water filtration system, reverse osmosis drinking water, upgraded faucets, and thoughtful improvements throughout. Enjoy smart locks, smart thermostats, energy-efficient LED lighting, and an upgraded solar system. Extensive additional insulation, including above the garage, along with an insulated garage door, helps maximize energy efficiency. The finished garage features abundant built-in cabinetry, upgraded insulation, and a dedicated 100-amp electrical circuit for EV charging for sale. Entertain, unwind, and enjoy Arizona evenings in the beautifully finished backyard, complete with an extended patio seating area and cozy outdoor fireplace--perfect for making memories with family and friends! Additional highlights include roof improvements, a post-tension slab foundation, fiber-optic connectivity, and existing roof, solar, and termite warranty coverage, subject to verification. A solar loan with a 3.5% interest rate may also be assumable by a qualified buyer, subject to approval. This isn't just another house on the market. It's an opportunity to own a thoughtfully upgraded, technology-equipped, energy-conscious home without the hassle of making all these improvements yourself!

17626 N 168th Drive, Surprise

13424 W Nogales Drive, Sun City West
$385,000
2 Beds ⋅ 2 Baths ⋅ 7096237 MLS ⋅ 1,351 SqFt.
Discover the peaceful Arizona lifestyle in the beautiful gated community of Corte Bella Country Club! Perfectly situated along the community's SCENIC WALKING TRAIL, this inviting Montecito floor plan offers a wonderful blend of comfort, privacy, and effortless indoor-outdoor living. The bright, open great room welcomes you with natural light from a Solatube skylight and a large PICTURE WINDOW framing views of the mature landscaping and tranquil backyard. Step outside to your own private retreat featuring an extended patio, stamped concrete, built-in BBQ island, ceiling fans, soothing water feature, and beautiful views of the walking trail. A charming front entry porch offers another peaceful place to relax beside the gentle sounds of a fountain. Inside, tile flooring flows throughout the main living areas, complemented by a custom maple entertainment center. The welcoming kitchen features granite countertops, a breakfast bar, gas cooking, and an easy connection to the dining and living areas. The desirable split-bedroom design provides added privacy, while the spacious primary suite offers plantation shutters, peaceful backyard views, and an updated bathroom with dual sinks and a walk-in closet. Lovingly maintained and move-in ready, this delightful home also features an extended two-car garage. A wonderful opportunity to slow down, relax, and enjoy the resort-style lifestyle of Corte Bella Country Club!

13424 W Nogales Drive, Sun City West

766 N Mountain View Road, Apache Junction
$665,000
4 Beds ⋅ 4 Baths ⋅ 7096155 MLS ⋅ 2,335 SqFt.
Majestic Superstition Mountain views, distinctive Territorial architecture and two private casitas make this 1.25-acre property with NO HOA an exceptional desert retreat. Custom gates welcome you into a private front courtyard featuring a fountain, covered porch, built-in fireplace and inviting spaces to gather. Lush courtyard greenery attracts hummingbirds, while the surrounding natural desert vegetation offers a landscape with low water needs. A walkway leads to a palapa, creating another beautiful spot to relax and take in the mountain views. Inside the two-bedroom main home, the spacious great room and open kitchen provide an ideal setting for entertaining, with gatherings flowing easily into the front courtyard. Stainless steel appliances and a gas range complement the kitchen,.. ...while custom murals, distinctive cabinetry hardware, lighting, switches and thoughtfully chosen fixtures give the home its individual character. Two-inch blinds and ceiling fans throughout add everyday comfort. The upstairs primary bedroom features blackout curtains, and the primary bathroom offers a separate tub and shower. At the top of the stairs, a separate door opens to the rooftop deck, where expansive Superstition Mountain views include a vantage point for the famous seasonal cougar shadow, visible during two periods each year. Both casitas include a kitchenette, full bathroom and direct access to the private courtyard between them. The second casita also offers a separate entrance from the additional parking area on the south side of the property. With access from the main home to both courtyards, the layout offers a comfortable balance of connection and privacy for visiting family and guests. The property has previously been used as an Airbnb, and the casitas offer potential for future rental use. A swim spa that conveys with the sale and a built-in barbecue enhance the courtyard amenities. The oversized two-car garage offers generous space for vehicles, storage and hobbies--even with a mountain view--while additional covered parking on the south side accommodates family or rental guests. The acreage provides room to explore equestrian use or other permitted animal uses. The refrigerator, washer and dryer convey, along with the casitas' fridges, microwaves, kitchenware, towels and miscellaneous guest essentials. Landscape tools, supplies and shed contents for property maintenance are also included. From rooftop views to private courtyards and flexible guest accommodations, this distinctive property offers space to enjoy the desert lifestyle, entertain and welcome guests. Home is in need of repairs seller will not be able to make.

766 N Mountain View Road, Apache Junction

17863 W Indigo Brush Road, Goodyear
$495,000
4 Beds ⋅ 3 Baths ⋅ 7096147 MLS ⋅ 2,303 SqFt.
FHA ASSUMABLE LOAN AT 5.25%!! Save significantly on interest over time by assuming this low-rate loan and enjoy a monthly payment advantage over today's current rates! Why wait for new construction when you can have the best of both worlds? This beautifully upgraded, meticulously maintained, nearly new home, built in 2022, offers a finished backyard, thoughtful upgrades, and exceptional value at a lower price than new construction! This floor plan features 4 bedrooms, 3 full bathrooms, a 2-car garage, and a covered patio designed for comfortable Arizona living. The stunning kitchen is the heart of the home, showcasing white 42-inch shaker upper cabinets, deep green lower cabinets, elegant crown molding, quartz countertops, a beautiful backsplash, and a spacious island with breakfast bar seating - perfect for casual meals, entertaining, or gathering with friends and family. A large walk-in pantry provides plenty of storage to keep everything organized. The spacious primary suite offers a relaxing retreat, complete with a spa-inspired ensuite featuring a dual-sink vanity, walk-in shower, and generous walk-in closet. Wood-plank tile flows throughout the main living areas, while cozy carpeting adds comfort to the bedrooms. Two additional bedrooms share a convenient Jack-and-Jill bathroom, with each bedroom featuring its own sink for added privacy and functionality. With a thoughtfully designed layout, modern finishes, and a backyard already completed for you to enjoy, this home makes it easy to settle in, entertain, and embrace the Arizona lifestyle without the added expense or wait of building new! Located in the highly sought-after master-planned community of Estrella in Goodyear, residents enjoy an exceptional lifestyle surrounded by scenic mountain views, sparkling lakes, and miles of walking and biking trails. Take advantage of resort-style amenities, including community pools, fitness facilities, resident centers, parks, and recreational activities for all ages. With opportunities to stay active, connect with neighbors, and enjoy the outdoors, Estrella offers a vibrant community atmosphere that makes coming home feel like a getaway!

17863 W Indigo Brush Road, Goodyear

8156 W Autumn Vista Way, Florence
$525,000
2 Beds ⋅ 3 Baths ⋅ 7095962 MLS ⋅ 2,477 SqFt.
Enjoy resort-style living in Sun City Anthem at Merrill Ranch, one of the East Valley's most desirable Active Adult communities! This Endeavor plan is model-perfect with fabulous decor inside and out! Step outside to a private backyard featuring a covered patio and energy-efficient solar panels--providing the perfect, sustainable setting to enjoy the wonderful Arizona sunshine. You will be delighted to step inside to an open floor plan filled with high-end finishes, such as 10-foot ceilings, 8-foot doors, and neutral paint and tile throughout with carpet in the bedrooms. The stunning chef's kitchen offers a huge island, pull-out drawers, soft-close hinges, butler's pantry, and a large walk-in pantry. This home is being sold fully furnished with the right offer! The spacious primary suite offers a peaceful retreat bathroom with a large walk-in shower, two vanities with sinks, and a large walk-in closet. Large windows overlook the gorgeous landscaped yard. Guests will love the well-appointed secondary bedroom and private bath, while the versatile bonus room offers an ideal space for an office, TV room, or fitness room. Living in Sun City Anthem means you will enjoy access to fantastic amenities, including an 18-hole championship golf course, a 48,000 sq. ft. community center, resort-style indoor & outdoor pools and spas, a top-of-the-line fitness center, pickleball, tennis, social clubs, on-site dining, and much more! It is retirement living at its best in a true resort-style environment!

8156 W Autumn Vista Way, Florence

4837 W Laurel Lane, Glendale
$470,000
4 Beds ⋅ 4 Baths ⋅ 7095688 MLS ⋅ 2,360 SqFt.
Welcome to your spacious, tri-level dream home! Situated on an oversized corner lot with NO HOA, this property offers the ultimate in space, storage, and outdoor convenience. The versatile floor plan features four bedrooms, three and a half bathrooms. Lower level includes a den/office with custom built-in shelving and reinforced locker/closet, one bedroom and full bathroom. The upper-level hosts three bedrooms and two bathrooms, while a powder room is conveniently located just off the main living area. Storage throughout this home is unparalleled, boasting an expansive dedicated storage room, three linen closets, pantry and three outdoor sheds. The kitchen is a chef's delight, highlighted by premium stainless-steel appliances--including a Sub-Zero refrigerator, stove, microwave and dishwasher. A commercial refrigerator (located in adjoining wash room) is also included. The space is beautifully finished with unique cork countertops, prized for their resistance to moisture and heat. Nearby, the dedicated laundry room comes fully equipped with a washer and dryer, while the garage features a second working oven that is perfect for cooking and heavy meal prep. The outdoor amenities turn this property into a true backyard oasis. The generous patio is ready for entertaining with a portable gas grill, all overlooking a beautifully fenced pool equipped with an automatic cleaner. The property features an RV gate with an electrical hookup (located by the flagpole). Three detached storage sheds can hold all your gear. The property is completed by a charming, gated front courtyard featuring a peaceful pond, and a handy outdoor faucet in the back yard perfectly positioned to function as a pool shower or a convenient pet bathing station. You do not want to miss out on this property that has so much to offer!

4837 W Laurel Lane, Glendale

13736 E Rancho Laredo Drive, Scottsdale
$929,900
4 Beds ⋅ 3 Baths ⋅ 7094861 MLS ⋅ 2,435 SqFt.
MOUNTAIN VIEWS! Across from the Northern McDowell Sonoran Preserve and Granite Mountain, this 2022-built 4-bedroom 3-bath modern desert retreat effortlessly blends tranquility with everyday comfort. Set on a private, unrestricted acre with ideal north/south exposure, the home welcomes you with architectural lighting and a custom iron-and-glass double door that beautifully frames the magnificent 10-year-old olive tree just beyond, establishing an elevated and deeply inviting aesthetic. Inside, the open layout is bathed in soft, indirect natural light, ensuring the interiors remain bright and airy throughout the day. High ceilings and warm, neutral finishes elevate the living spaces, while wood-look porcelain tile floors flow continuously into a thoughtfully designed kitchen outfitted with sleek quartz countertops, a prep island, crisp white cabinetry, and a premium appliance suite. The primary suite is a restorative and intimate retreat, complete with a custom sliding door that opens to an ensuite featuring a garden tub, a separate glass shower, and a walk-in closet. Designed for effortless living, the home integrates a NEST smart climate system including smart fans alongside a solar-powered, air-conditioned three-car garage and a discreet RV gate and area. While the interior provides a turnkey sanctuary, seamlessly extending the living space outdoors reveals the property's incredible lifestyle amenities. Featuring a covered patio and an enclosed wire fence surrounding a large turf area, the sweeping acreage extends an open invitation, offering a massive backyard canvas with the mature olive tree and rare freedom to enjoy the surrounding mountain landscape.

13736 E Rancho Laredo Drive, Scottsdale

27036 W Rising Star Way, Morristown
$799,900
3 Beds ⋅ 2 Baths ⋅ 7094550 MLS ⋅ 1,691 SqFt.
Equestrian enthusiasts, animal lovers, and outdoor adventurers will love this unique Arizona property, offering an exceptional blend of horse facilities, versatile outbuildings, and a private backyard oasis, all on 2 acres! The equestrian setup features three 12' x 12' mare motel stalls, an expansive 100' x 200' arena/turnout area, and two additional buildings for hay and tack storage. Eight 5' x 10' dog kennels provide even more options for animal lovers and those needing dedicated kennel space. Adventure awaits right outside your door! Saddle up and ride horseback into the surrounding mountains, or hop on your ATV and explore the rugged beauty of the Arizona desert. Enjoy the freedom of wide-open spaces and outdoor recreation right from your own property. After a day of riding or exploring, retreat to the inviting backyard oasis. A sparkling swimming pool, expansive paver patio, and comfortable outdoor living areas create the perfect setting for entertaining, relaxing, and enjoying Arizona's sunshine. Mature palm trees and desert landscaping lend a resort-inspired feel, making this a wonderful place to unwind or gather with family and friends. The property also features a charming she shed, offering a special space for creative pursuits, hobbies, a personal retreat, or simply a little time to yourself. Inside, the home offers 1691 sq ft of comfortable living spaces and Southwestern character, with a kitchen featuring granite countertops, stainless steel appliances, abundant cabinetry, and a breakfast bar. Whether you're seeking an equestrian property, space for animals, a place to pursue outdoor adventures, or your own poolside paradise, this distinctive property brings together the best of Arizona living!

27036 W Rising Star Way, Morristown

16999 W Hilton Avenue, Goodyear
$480,000
4 Beds ⋅ 4 Baths ⋅ 7094169 MLS ⋅ 2,334 SqFt.
A renovated kitchen, downstairs primary suite, and room for your vehicles and toys--all in a convenient Goodyear location! Offered by the original owner, this home combines versatile living spaces with features that can be hard to find in new construction. The 10-foot side gate provides vehicle access to the backyard, giving you valuable options for extra parking, recreational toys, or a utility trailer. The driveway has also been extended with pavers, adding parking space and curb appeal. Inside, the completely renovated kitchen features new cabinets, countertops, an island, and an eat-in dining area. Whether you're hosting friends or preparing a weeknight dinner, this space makes gathering easy. The downstairs primary suite offers privacy and convenience, with a separate shower and tub. A downstairs office/flex space provides room for working from home, hobbies, or a playroom, while a nearby half bath serves guests. Upstairs, both a loft and a separate bonus room give you the flexibility to create a media room, game room, workout area, or additional workspace. Enjoy the benefits of an established Goodyear location with grocery stores, shopping, dining, and everyday essentials nearby. Convenient freeway access makes it easy to connect with destinations throughout the West Valley and greater Phoenix area, whether you're commuting, heading out for entertainment, or planning a weekend getaway. With its updated kitchen, flexible layout, and valuable side-gate access, this home offers the space and convenience to fit your lifestyle!

16999 W Hilton Avenue, Goodyear

6366 W Barbara Avenue, Glendale
$375,000
3 Beds ⋅ 3 Baths ⋅ 7094024 MLS ⋅ 2,172 SqFt.
Well-Maintained Glendale Home with Spacious Floor Plan and Community Amenities! Welcome to this inviting home in Glendale, offering a functional floor plan, comfortable living spaces, and great potential to make it your own! Conveniently located near shopping, dining, schools, and everyday essentials, this home is situated in an HOA community featuring a community pool and playground. Inside, you'll find an open-concept layout with a spacious family room and a kitchen featuring a center island, creating a welcoming space for everyday living and entertaining. A convenient downstairs half bath adds functionality, while the upstairs loft offers flexible space for a home office, media area, or additional living space. The generously sized primary suite features a walk-in closet, provi plenty of room to unwind and stay organized. Additional highlights include a two-car garage, an interior laundry area, and a private backyard with a covered patio--perfect for enjoying Arizona's outdoor lifestyle. Proudly owned by the same owner since 2014, this home has been well cared for and remains in great condition. Although the finishes are not recently updated, the home offers a wonderful opportunity to personalize and refresh the space to suit your own taste over time. Enjoy the combination of a practical layout, private outdoor space, and community amenities in a convenient Glendale location. Don't miss the opportunity to make this home your own!

6366 W Barbara Avenue, Glendale

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Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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