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1005 S Sutton Rd, Payson, AZ, 85541

4beds
3baths
3,058sqft
$1,495,000
$489price/sqft
$8,987/moest. monthly cost
$359,480/yrincome needed

About This Home

Experience elevated mountain living in this private 4.75-acre modern retreat with sweeping views of the Granite Dells and the Gibson Range. Beautifully updated and thoughtfully designed, this 3,058 sq. ft. residence offers 4 bedrooms, 2 1/2 bathrooms, and a dedicated office/den, blending luxury finishes with the serenity of Northern Arizona living. Nestled in the picturesque mountain town of Payson, you'll enjoy cooler temperatures, towering pines, and breathtaking natural beauty year-round. This exceptional property is also horse-friendly with plenty of room for equestrian use, and with no HOA, you'll enjoy the freedom and flexibility rarely found in mountain communities. Designed with both comfort and entertaining in mind, the heart of the home is a stunning chef's kitchen featuring luxurious Calcatta quartz countertops with a dramatic waterfall edge, farmhouse sink, subway tile backsplash, upgraded stainless steel appliances, microwave convection oven, wine and beverage refrigerator, and a professional 6-burner gas range with pot filler. The spa-inspired primary suite is a true private retreat, complete with a dual-sided electric fireplace, radiant heated bathroom floors, steam shower, and an instant hot-water timed recirculation system for ultimate comfort and convenience. Additional highlights include updated luxury vinyl plank flooring, expansive outdoor living and viewing areas, and an impressive 1,800 sq. ft. four-door workshop with RV storage -- perfect for hobbyists, collectors, outdoor enthusiasts, or extra recreational storage. This exceptional mountain estate delivers the perfect balance of privacy, luxury, equestrian potential, and functionality in one of Arizona's most scenic settings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

--
Payson Elementary SchoolGrades K-22.2 mi
5/10
4/10
Payson High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1989

Materials

  • Construction materials: Wood Frame,Metal Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Vaulted Ceiling(s),Breakfast Bar,FR-Dining Combo,Pantry,Kitchen Island
  • Window features: Double Pane Windows
  • Flooring: Carpet,Tile,Wood,Concrete,Vinyl
  • Fireplace features: Wood Burning Stove,Living Room,Gas,Two or More,Double Sided
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Radiant Floor
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 3,058
  • Total interior livable area: 3,058 sqft

Property

Details

  • Parcel number: 30401005Z
  • Zoning: RES

Features

  • Exterior features: Drip System,RV Hookup
  • Fencing: Chain Link,Partial
  • Has view: Yes
  • View description: Rural,Trees/Woods,Panoramic,Mountain(s)
  • Horses can be raised: Yes

Lot

  • Lot size: 4.75 Acres
  • Features: Landscaped,Many Trees,Tall Pines on Lot
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 3
  • Parking features: Carport,Garage Door Opener,Covered RV Parking,Oversized,Garage,RV Garage,Parking Pad
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Winter Weather
Heat Wave
Strong Wind

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 $7,559$90,708
Home Insurance $420$5,040
Property Taxes $685$8,220
Electricity $323$3,886
Total$8,987$107,844

Income You'd Need if You Spent...

35% on housing$308,125/yr
40% on housing$269,610/yr
45% on housing$239,653/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

$489This listing

vs Other Active Listings

Avg $/sqft

ZIP 85541$214
Gila County$205

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
2026-05-22Listed for sale$1,495,000
2007-07-13Sold$700,000

For Sale by Agent

AgentRon Acosta
BrokerageDelex Realty, LLC

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