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.
For sale
$4,500,000
2097 N FSR 289 --, Payson, AZ 85541
7beds
3,400sqft
Single Family Residence
Built in 1966
4.58 Acres Lot
$-- Zestimate®
$1,324/sqft
$-- HOA
What's special
- 28 days
- 463
- 27
Zillow last checked:
Listing updated:
Listed by:
Sharon Carstens 480-628-9053,
Present Properties,
Rebecca King 480-229-2121,
Present Properties
Source: ARMLS,MLS#: 7070441

Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 7
- Bathrooms: 4
- Full bathrooms: 4
Heating
- Forced Air, Baseboard, Other, See Remarks, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Washer/Dryer Stacked, Dryer, Washer, Refrigerator, Built-in Microwave, Dishwasher, Disposal, Electric Range, Electric Oven, Water Purifier
- Laundry: Inside
Features
- Granite Counters, Double Vanity, Breakfast Bar, Vaulted Ceiling(s)
- Flooring: Other, Carpet, Laminate, Linoleum, Vinyl, Stone
- Windows: Skylight(s), Double Pane Windows
- Has basement: No
- Number of fireplaces: 2
- Fireplace features: Wood Burning Stove, Pellet Stove, Fire Pit, Other, See Remarks, Living Room
Interior area
- Total structure area: 3,400
- Total interior livable area: 3,400 sqft
Property
Parking
- Total spaces: 2
- Parking features: Detached Garage, RV Access/Parking, Gated, Storage, Detached
- Garage spaces: 2
Features
- Stories: 2
- Patio & porch: Covered Deck, Covered, Patio
- Exterior features: Playground, Other, Private Street(s), Private Yard, Screened in Patio(s), Storage, Built-in Barbecue
- Has spa: Yes
- Spa features: Above Ground
- Fencing: See Remarks,Other,Block,Partial
- Has view: Yes
- View description: Mountain(s)
- Waterfront features: Waterfront
Lot
- Size: 4.58 Acres
- Features: Rural, Borders Preserve/Public Land, Waterfront, Grass Front, Grass Back
Details
- Additional structures: Workshop, Shed(s), Barn(s), Guest House, Gazebo
- Parcel number: 30303094F
- Horses can be raised: Yes
- Horse amenities: See Remarks, Barn
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Log Siding, Wood Frame, Stone
- Roof: Composition
Condition
- Year built: 1966
Utilities & green energy
- Sewer: Septic Tank
- Water: Pvt Water Company
- Utilities for property: Propane
Green energy
- Water conservation: Tankless Ht Wtr Heat
Community & HOA
Community
- Subdivision: TONTO CREEK ESTATES
HOA
- Has HOA: No
- Services included: No Fees
Location
- Region: Payson
Financial & listing details
- Price per square foot: $1,324/sqft
- Annual tax amount: $8,265
- Date on market: 8/22/2026
- Cumulative days on market: 27 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Road surface type: Unimproved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 8/23/2026 | Listed for sale | $4,500,000+18.4%$1,324/sqft |
Source: | ||
| 6/25/2024 | Sold | $3,800,000-9.5%$1,118/sqft |
Source: | ||
| 5/22/2024 | Pending sale | $4,200,000$1,235/sqft |
Source: | ||
| 4/20/2024 | Listed for sale | $4,200,000$1,235/sqft |
Source: | ||
| 4/16/2024 | Pending sale | $4,200,000$1,235/sqft |
Source: | ||
| 6/22/2023 | Listed for sale | $4,200,000$1,235/sqft |
Source: | ||
Public tax history
Tax history is unavailable.
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 85541
Nearby schools
Schools provided by the listing agent
- Elementary: Payson Elementary School
- Middle: Rim Country Middle School
- High: Payson High School
- District: Payson Unified District
Source: ARMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.





