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Listed by Sharon Carstens · Brokered by Present Properties

● For sale

$4,500,000

2103 N FSR 289, Payson, AZ 85541

TONTO CREEK ESTATES · Gila County

7 beds 4 baths 3,400 sqft 4.58 acres Built 1966 $1,324 /sqft No HOA
5 days on market | 120 views | 9 saves

What's special

  • Mountain(s) views
  • Waterfront
  • Fireplace
  • 2-car garage
  • Horses allowed

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: August 24, 2026

Listed by:

Sharon Carstens, 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: Active
  • 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-In & Connected
  • Water Source: Pvt Water Company
  • Propane

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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.

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