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404 W Frontier St, Payson, AZ, 85541

4beds
2baths
1,920sqft
$475,000
$247price/sqft
$2,967/moest. monthly cost
$118,680/yrincome needed

About This Home

Step in, relax and enjoy! This home has been beautifully remodeled throughout and sits on a rare half acre lot in town. 4 Bedrooms, 2 Baths, 1920 sf, spacious bedrooms, open floorplan, granite counters, large living area with electric fireplace, front deck with views of town, plenty of space to add a carport/garage or park all your toys, fenced yard for the pets and walking distance to all the restaurants, shopping, movie theater, activities that take place on Main Street throughout the year and Green Valley Park. New roof, new windows and newer HVAC.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

5/10
5/10
4/10
Payson High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1960

Materials

  • Roof: Asphalt
  • Construction materials: Brick Veneer,Brick,Wood Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Kitchen-Dining Combo
  • Window features: Double Pane Windows
  • Flooring: Concrete,Vinyl
  • Fireplace features: Living Room,Insert
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Forced Air,Propane
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,920
  • Total interior livable area: 1,920 sqft

Property

Details

  • Parcel number: 30408032
  • Zoning: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Enclosed,Covered,Covered Patio
  • Fencing: Chain Link,Partial
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.51 Acres
  • Features: Tall Pines on Lot
  • Lot size dimensions: 150 x 150

Parking

  • Parking features: None

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

  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Heat Wave
Inland Flooding
Wildfire
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 $2,401$28,812
Home Insurance $133$1,596
Property Taxes $217$2,604
Electricity $216$2,603
Total$2,967$35,604

Income You'd Need if You Spent...

35% on housing$101,725/yr
40% on housing$89,010/yr
45% on housing$79,120/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

$247This 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
2025-11-09Listed for sale$475,000
2025-10-15Pending sale$475,000
2025-10-06Price change$475,000
2025-06-20Price change$480,000
2025-04-28Price change$490,000
2025-03-14Listed for sale$495,000
2025-02-13Pending sale$495,000
2025-01-30Listed for sale$495,000
2024-01-19Sold$320,000
2023-12-27Pending sale$350,000
2023-12-27Listing removed$350,000
2023-10-25Price change$350,000
2023-09-14Listed for sale$385,000
2005-01-31Sold$45,000
1993-11-23Sold$73,500

For Sale by Agent

AgentMichelle Saurage
BrokerageDelex Realty, LLC

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