193 E Saddle Mountain Rd, Payson, AZ, 85541
About This Home
Welcome to your ultimate creekside escape in Kohl's Ranch/Kohl's Tonto Creek Ranch--where relaxation and adventure come together! Picture yourself kicking back on the back deck, slipping into the hot tub, and letting the soothing sounds of the creek and waterfall melt the day away. It's the kind of place you won't want to leave. Tucked away for privacy with absolutely stunning views, this property features 3 cozy bedrooms, 2 bathrooms, and garage space galore--a workshop-ready garage plus a quad garage for all your toys, gear, and weekend fun. The fully fenced lot makes a great first impression with a stylish double-gated entry and a paver driveway that adds just the right touch of flair. Inside, you'll find thoughtful upgrades like a newer roof (2019), a custom front door, and Andersen windows that bring in all that beautiful natural light. The pellet stove keeps things warm and inviting, while the kitchen--complete with stainless steel appliances and a gas range--is ready for everything from quick breakfasts to full-on dinner parties. And when it's time to unwind, the spa-style Jacuzzi tub is calling your name. Whether you're looking for a peaceful retreat or a place to make unforgettable memories, this one delivers.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1984
Materials
- Roof: Asphalt
- Construction materials: Wood Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Softener,Dryer,Washer
- Laundry features: Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Eat-in Kitchen,Kitchen-Dining Combo,Vaulted Ceiling(s),Wet Bar
- Window features: Double Pane Windows,Skylight(s)
- Flooring: Carpet,Wood,Vinyl
- Fireplace features: Living Room,Wood Burning Stove,Pellet Stove
- Fireplace: Yes
Heating & Cooling
- Heating features: Electric,Baseboard
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 1,632
- Total interior livable area: 1,632 sqft
Property
Details
- Parcel number: 30305148A
- Zoning: Residential
Features
- Patio & porch: Covered
- Exterior features: Storage
- Spa features: Spa/Hot Tub
- Fencing: Chain Link,Wood,Wrought Iron
- Has view: Yes
- View description: Trees/Woods,Rural
- Waterfront features: Creek
Lot
- Lot size: 9,147 sqft
- Features: Borders Common Area,Landscaped,Many Trees,Tall Pines on Lot
- Lot size dimensions: 0
Parking
- Total spaces: 2
- Parking features: Detached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Wildfire
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Gila County and Arizona
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,028 | $36,336 |
| Home Insurance | $168 | $2,016 |
| Property Taxes | $274 | $3,288 |
| Electricity | $216 | $2,603 |
| Total | $3,686 | $44,232 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Price change | $599,000 |
| 2026-04-23 | Listed for sale | $610,000 |
| 2026-03-17 | Listing removed | $624,999 |
| 2026-01-05 | Price change | $624,999 |
| 2025-10-08 | Price change | $639,999 |
| 2025-07-31 | Price change | $649,999 |
| 2025-05-30 | Price change | $664,000 |
| 2025-03-20 | Price change | $679,000 |
| 2025-01-31 | Price change | $689,000 |
| 2024-10-17 | Listed for sale | $699,999 |
| 2022-03-11 | Sold | $640,500 |
| 2022-02-16 | Pending sale | $645,000 |
| 2022-02-16 | Listing removed | $645,000 |
| 2022-02-15 | Pending sale | $645,000 |
| 2022-02-12 | Listed for sale | $645,000 |
| 2018-02-28 | Listing removed | $298,500 |
| 2018-02-18 | Listed for sale | $298,500 |
| 2018-02-16 | Sold | $292,000 |
| 2018-02-02 | Pending sale | $298,500 |
| 2017-09-12 | Listed for sale | $298,500 |
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