Listed by Sharon Carstens · Brokered by Present Properties
$4,500,000
Est. $26,951/mo2097 N FSR 289, Payson, AZ 85541
TONTO CREEK ESTATES · Gila County
What's special
- Waterfront
- Mountain views
- Horses allowed
- No HOA
- 2-car garage
Description
A truly rare opportunity to own a private, gated creekside retreat encompassing 4.58 acres of natural beauty, tranquility and historic Arizona charm. With approximately 400 feet of Tonto Creek frontage, this remarkable property offers the soothing sounds of the creek, a fishing pond, towering pines and thoughtfully designed gathering spaces throughout. Total square footage, bedrooms and bathrooms shown in the listing include both the main and guest cabins. The 1,800+ square-foot main cabin features 4 bedrooms, 2 bathrooms, a spacious kitchen with granite countertops and breakfast bar, and an inviting living area centered around a natural-stone fireplace. French doors open to a sunroom overlooking the pond and peaceful wooded surroundings. The separate guest cabin provides approximately 1,600 square feet with 3 bedrooms, 2 bathrooms, a large kitchen, fireplace, pellet stove, spacious family room, two separate entrances and two private patios--ideal for guests, extended stays or a variety of other possibilities. A historic barn adds distinctive character and offers flexible space for gatherings and events, complemented by an outdoor BBQ area and large ramada. Additional improvements include a detached two-car garage with an attached workshop and storage area, plus a separate additional building. Outdoor amenities include a covered pavilion and patios, hot tub, sauna, an expansive newer deck overlooking the creek, and a gas fire pit within a built-in creekside gathering area. Whether envisioned as a private retreat, multigenerational property or an extraordinary setting with future possibilities, this one-of-a-kind creekfront offering would be difficult to duplicate. Zoned General Use (GU) and Agricultural, with documented Tonto Creek water rights. Buyer to independently verify permitted uses, square footage and all facts material to the buyer. Experience this remarkable slice of heaven on earth.
Listing updated: October 28, 2026
Sharon Carstens brokerandtrainer@gmail.com, Present Properties, Rebecca King
Source: Arizona Regional Multiple Listing Service, MLS#: 7070441
Property details
Interior
Bedrooms
- Bedrooms: 7
Bathrooms
- Total Bathrooms: 4
- Full Bathrooms: 4
Interior Features
- Double Vanity
- Breakfast Bar
- Granite Counters
- Vaulted Ceiling(s)
- Flooring: Carpet, Laminate, Linoleum, Vinyl, Stone, Other
- Window Features: Dual Pane, Skylight(s)
Appliances
- Dishwasher
- Disposal
- Refrigerator
- Microwave
- Electric Oven
- Electric Range
- Washer
- Dryer
- Stacked Washer/Dryer
- Water Purifier
- Laundry Features: Inside
Heating and Cooling
- Cooling Features: Ceiling Fan(s), Central Air
- Heating Features: Electric, Other, See Remarks, Baseboard, Forced Air
- Fireplace: Yes
- Fireplace Features: Living Room, Fire Pit, Other, See Remarks, Pellet Stove, Wood Burning Stove
Other Interior
- Stories: 2
Exterior
Exterior and Lot Features
- Screened in Patio(s)
- Storage
- Private Street(s)
- Private Yard
- Playground
- Other
- Built-in Barbecue
- Patio and Porch Features: Patio, Covered Patio(s), Covered Deck
- Fencing: Block, Partial, Other, See Remarks
Land Info
- Borders Preserve/Public Land
- Waterfront Lot
- Street(s) Not Paved
- Rural
- Grass Front
- Grass Back
- Lot Size Acres: 4.58
- Lot Size Square Feet: 199,505
Garage and Parking
- Garage Spaces: 2
- Attached Garage: No
- Parking Features: RV Access/Parking, Detached, Separate Strge Area, Gated, Detached Garage
Home Features
- View: Mountain(s)
- Waterfront: Yes
- Horse Property: Yes
Community
Homeowners Association
- Association: No
- Association Fee Includes: No Fees
Neighborhood
- Subdivision: TONTO CREEK ESTATES
Listing
Other Property Info
- Annual Tax Amount: $8,265
- Source Listing Status: Pending
- County: Gila
- Directions: Hwy 260 East from Payson to Forest Service Rd 289 (also known as Zane Grey Hwy) and turn left. Go approximately 2 miles to gated property on right (brown sign past Christian Camp shows 2097 before gate on right)
- Property Subtype: Single Family Residence
- Parcel Number: 303-03-094-F
- Postal City: Payson
- Listing Date: 8/22/2026
- MLS#: 7070441
Features
Building and Construction
- Total Square Feet Living: 3,400
- Year Built: 1966
- Property Age: 60
- Construction Materials: Wood Frame, Stone, Log Siding
- Roof: Composition
- Stories: 2
- Living Area Source: Owner
Utilities
- Sewer: Septic Tank, Septic-In & Connected
- Water Source: Pvt Water Company
- Propane
Monthly payment
$26,951/month
- Principal and interest $24,388
- Property taxes from the listing $689
- Home insurance estimated $1,875
An estimate only, not a loan offer or rate quote. Starting rates are Freddie Mac's weekly national averages (Nov 5, 2026) and aren't an APR. Your rate and costs depend on your credit and lender. Property taxes often change after a sale, and insurance varies by home, especially in wildfire areas.
Price history
| Date | Event | Price | $/sqft |
|---|---|---|---|
| Oct 27, 2026 | Pending Source: ARMLS #7070441 · CAAR #94538 | $4,500,000 | $1,324/sqft |
| Aug 22, 2026 | Listed for sale Source: CAAR #94538 · ARMLS #7070441 | $4,500,000 | $1,324/sqft |
Talk to a local expert
Teri Meacham
REALTOR® with West USA Realty · 25+ years in the High Country · 500+ homes sold
- Tour this home or ask anything about it
- Get what the listing doesn't say: water, septic, road access, HOA rules
- See recent sales nearby before you make an offer
Data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Arizona Regional Multiple Listing Service. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.
All information should be verified by the recipient and none is guaranteed as accurate by ARMLS.
Copyright 2026 Arizona Regional Multiple Listing Service All rights reserved.
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