2097 N FSR 289, Payson, AZ 85541 (MLS# 7070441)

2097 N FSR 289, Payson, AZ 85541

$4,500,000

Property Type: Residential Bedrooms: 7 Baths: 4 Square Footage: 3,400 Lot Size (sq. ft.): 199,505 Status: Active

Current Price: $4,500,000 Last Modified: 9/09/2026

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

Supplements: 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.

More Information MLS# 7070441

Contract Information

Type: Exclusive Right To Sell Ownership: Fee Simple Co-Ownership (Fractional) Agreement YN: No List Price: $4,500,000 Status: Active Current Price: $4,500,000 List Date: 2026-08-22

Location, Tax & Legal

Assessor's Map #: 3 Legal Description (Abbrev): SECTION: 09 TOWNSHIP: 11N RANGE: 12E POR RANCHO TONTO OF TONTO CREEK ESTATES, PLAT 208 & POR HES 137 Assessor's Parcel #: 94 Assessor Parcel Ltr: F Tax Municipality: Gila - COUNTY Taxes: 8265 House Number: 2097 Compass: N Street Name: FSR 289 St Suffix: -- City/Town Code: Payson State/Province: AZ Zip Code: 85541 Country: US County Code: Gila Assessor Number: 303-03-094-F Subdivision: TONTO CREEK ESTATES Tax Year: 2025

General Property Description

Dwelling Styles: Detached # of Interior Levels: 2 # Bedrooms: 7 Full Bathrooms: 4 Half Bathrooms: 0 Total Bathrooms: 4 Approx SQFT: 3400 Price/SqFt: 1323.53 Approx Lot SqFt: 199505 Approx Lot Acres: 4.58 Flood Zone: No Guest House SqFt: 1600 Horses: Y Builder Name: Unknown Lead Based Hazard Disclosure: Yes Elementary School District: Payson Unified District High School District: Payson Unified District Elementary School: Payson Elementary School Jr. High School: Rim Country Middle School High School: Payson High School Community Pool Y/N: No Private Pool Y/N: No Fireplace YN: Yes Fireplaces Total: 2 Dwelling Type: Single Family Residence Exterior Stories: 2 Year Built: 1966

Legal Info

Range: 12E Section: 09 Township: 11N Lot Number: 7

Special Listing Cond

N/A: 1

Construction

Wood Frame: 1

Const - Finish

Log Siding: 1 Stone: 1 Other (See Remarks): 1

Roofing

Composition: 1

Association & Fees

HOA Y/N: N PAD Fee Y/N: N Land Lease Fee Y/N: N Ttl Mthly Fee Equiv: 0

Showing Notification Methods

Showing Service: Aligned Showings Text: 1 Phone Call: 1

Lockbox Type

None: 1

Master Bathroom

Double Vanity: 1

Master Bedroom

Split: 1

Additional Bedroom

Master Bedroom Walk-in Closet: 1

Fireplace Features

Pellet Stove: 1 Wood Burning Stove: 1 Fireplace Living Rm: 1 Fire Pit: 1 Other: 1 See Remarks: 1

Flooring

Carpet: 1 Laminate: 1 Linoleum: 1 Stone: 1 Vinyl: 1 Other: 1

Window Features

Dual Pane: 1

Dining Area

Breakfast Bar: 1 Dining in LR/GR: 1

Heating

Baseboard: 1 Forced Air: 1 Electric: 1 Other: 1 See Remarks: 1

View

Mountain(s): 1

Kitchen Features

Dishwasher: 1 Disposal: 1 Electric Oven: 1 Electric Range: 1 Built-in Microwave: 1 Refrigerator: 1 Granite Counters: 1

Cooling

Ceiling Fan(s): 1 Central Air: 1

Interior Features

Skylight(s): 1 Vaulted Ceiling(s): 1 Water Purifier: 1

Laundry

Washer Included: 1 Dryer Included: 1 Stacked Washer/Dryer: 1 Inside: 1

Basement

Basement Y/N: N

Other Rooms

Arizona Room/Lanai: 1 Guest Qtrs-Sep Entrn: 1 Separate Workshop: 1

Separate Den/Office

Sep Den/Office Y/N: N

Road Access Type

Private Road: 1

Road Responsibility

County Maintained Road: 1

Fencing

Block: 1 Partial: 1 Other: 1 See Remarks: 1

Water Source

Pvt Water Company: 1

Exterior Features

Separate Guest House: 1 Built-in BBQ: 1 Covered Deck: 1 Playground: 1 Covered Patio(s): 1 Patio: 1 Gazebo: 1 Screened in Patio(s): 1 Open Deck: 1 Storage: 1 Private Street(s): 1 Pvt Yrd(s)/Crtyrd(s): 1 Other: 1

Spa

Above Ground: 1

Sewer

Septic Tank: 1 Septic-In & Connected: 1

Parking Spaces

Slab Parking Spaces: 0 Total Covered Spaces: 2 Garage Spaces: 2

Parking Features

Detached: 1 Detached Garage: 1 Separate Strge Area: 1 Gated: 1 RV Access/Parking: 1

New Financing

Cash: 1 VA: 1 Conventional: 1 FHA: 1

Plumbing

Tankless Ht Wtr Heat: 1 Electric Hot Wtr Htr: 1

Utilities

APS: 1 Propane: 1

Existing 1st Loan

Treat as Free&Clear: 1

Existing 1st Loan Terms

Non Assumable: 1

Property Description

Borders Preserve/Public Land: 1 Waterfront Lot: 1 Street(s) Not Paved: 1 Rural: 1

Landscaping

Grass Front: 1 Grass Back: 1

Services

County Services: 1

Horse Features

Barn: 1 See Remarks: 1

Items Updated

Bath(s) Yr Updated: 2025

Other Structures

Barn(s): 1 Shed(s): 1 Workshop: 1

Disclosures

Seller Discl Avail: 1 Agency Discl Req: 1

Residential Propane Tank

Residential Propane Tank: Leased Propane Underground Y/N: No

Possession

Close of Escrow: 1

Association Fee Incl

No Fees: 1

Assoc Rules/Info

None: 1

DPR Eligible

DPR Eligible: No

Remarks Misc

Cross Street: Hwy 260 & FSR 289 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) Geo Lat: 34.365689 Geo Lon: -111.093009

Property Features

Special Listing Cond: N/A View: Mountain(s) Master Bathroom: Double Vanity Master Bedroom: Split Additional Bedroom: Master Bedroom Walk-in Closet Fireplace Features: Pellet Stove; Wood Burning Stove; Fireplace Living Rm; Fire Pit; Other; See Remarks Flooring: Carpet; Laminate; Linoleum; Stone; Vinyl; Other Window Features: Dual Pane Spa: Above Ground Dining Area: Breakfast Bar; Dining in LR/GR Kitchen Features: Electric Oven; Electric Range; Disposal; Dishwasher; Built-in Microwave; Refrigerator; Granite Counters Laundry: Washer Included; Dryer Included; Stacked Washer/Dryer; Inside Other Rooms: Arizona Room/Lanai; Guest Qtrs-Sep Entrn; Separate Workshop Interior Features: Skylight(s); Vaulted Ceiling(s); Water Purifier Exterior Features: Built-in BBQ; Covered Deck; Playground; Covered Patio(s); Gazebo; Open Deck; Patio; Private Street(s); Pvt Yrd(s)/Crtyrd(s); Screened in Patio(s); Separate Guest House; Storage; Other Other Structures: Barn(s); Shed(s); Workshop Parking Features: Detached Garage; Detached; Gated; RV Access/Parking; Separate Strge Area Road Access Type: Private Road Road Responsibility: County Maintained Road Construction: Wood Frame Const - Finish: Log Siding; Stone; Other (See Remarks) Roofing: Composition Cooling: Central Air; Ceiling Fan(s) Heating: Baseboard; Forced Air; Electric; Other; See Remarks Plumbing: Tankless Ht Wtr Heat; Electric Hot Wtr Htr Utilities: APS; Propane Water Source: Pvt Water Company Sewer: Septic Tank; Septic-In & Connected Services: County Services Fencing: Block; Partial; Other; See Remarks Property Description: Borders Preserve/Public Land; Waterfront Lot; Street(s) Not Paved; Rural Landscaping: Grass Front; Grass Back Horse Features: Barn; See Remarks Showing Notification Methods: Text; Phone Call Lockbox Type: None Possession: Close of Escrow Association Fee Incl: No Fees Existing 1st Loan: Treat as Free&Clear Existing 1st Loan Terms: Non Assumable New Financing: Cash; VA; FHA; Conventional Disclosures: Seller Discl Avail; Agency Discl Req

Listing Office: Present Properties

Last Updated: September - 09 - 2026