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1389 E Christopher Creek Loop, Payson, AZ, 85541

0beds
2baths
1,141sqft
$389,000
$341price/sqft
$2,469/moest. monthly cost
$98,760/yrincome needed

About This Home

Rare opportunity on Christopher Creek Loop!! Situated on a 0.20 acre parcel directly across the street from the year, round Christopher Creek, this unique property offers endless possibilities. Most recently used as a commercial office but could be transformed into a charming residential cabin, has potential to be an income producing short term rental, or a combination live/work property with a small business on one side. The property is already equipped with a new standard septic system designed for a 2 bedroom, 1.5 bath cabin and includes provisions for laundry facilities. Enjoy cozy mountain living with a wood burning fireplace and a Vermont Castings gas heat stove. Additional features include dedicated RV parking, two storage buildings, and a spacious backyard with plenty of room for outdoor entertaining. Conveniently located within a short walking distance of local restaurants and a small grocery store, this one of a kind property combines a prime location with exceptional flexibility. Whether you're seeking a business opportunity, a weekend retreat, a vacation rental investment, or a fulltime residence, the possibilities are endless. Recent upgrades include a single packaged propane gas furnace & electric 14 Seer AC unit, interior paint, exterior paint, exterior gravel, survey, carpet, roof, and standard septic system. Buyer to verify all intended uses. Permits will be required and approval through Gila County.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

--
Payson Elementary SchoolGrades K-217.8 mi
5/10
Rim Country Middle SchoolGrades 6-819.0 mi
4/10
Payson High SchoolGrades 9-1219.2 mi

Construction

Condition

  • Year built: 1973

Materials

  • Construction materials: Brick Veneer,Brick,Wood Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • No Interior Steps
  • Flooring: Carpet,Concrete
  • Fireplace features: Living Room,Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Propane
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,141
  • Total interior livable area: 1,141 sqft

Property

Details

  • Parcel number: 30309007D
  • Zoning: General Use

Features

  • Fencing: Chain Link,Partial
  • Has view: Yes
  • View description: Rural

Lot

  • Lot size: 9,147 sqft
  • Features: Many Trees,Corners Marked
  • Lot size dimensions: irregular

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Inland Flooding
Wildfire
Lightning
Winter Weather

FEMA Declared Disasters in Gila County and Arizona

Fire
Flood
Snowstorm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,966$23,592
Home Insurance $109$1,308
Property Taxes $178$2,136
Electricity $216$2,603
Total$2,469$29,628

Income You'd Need if You Spent...

35% on housing$84,651/yr
40% on housing$74,070/yr
45% on housing$65,840/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.4%
14.4%
0%30.0%
Electricity Growth Rate10-year average: 1.2%
1.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 85541$217
Gila County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 85541$276
Gila County$286

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-12Listed for sale$389,000

For Sale by Agent

AgentLaura Brunson
BrokerageINTEGRA HOMES AND LAND - A

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