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807 S Mud Springs Rd, Payson, AZ, 85541

4beds
2baths
2,075sqft
$525,000
$253price/sqft
$3,260/moest. monthly cost
$130,400/yrincome needed

About This Home

Charming Payson Retreat! This well maintained slump block home features a spacious open concept great room with a cozy brick fireplace, 3 beds in main home and 4th is the guest suite and 2 baths & a desirable split floor plan. The spacious kitchen opens to the living area and includes a breakfast bar and dining space with backyard views. A newer roof and fresh exterior paint (both approx. 3 years old) add peace of mind. Oversized 2-car garage with extra storage, fully fenced yard, private patio, fruit trees, mature shade trees and garden. No HOA, bring your RV and toys! Ideal as a full-time home, vacation getaway, or investment property. Conveniently located near shopping, schools, parks, and downtown Payson!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
5/10
4/10
Payson High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1984

Materials

  • Construction materials: Brick Veneer,Block

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • No Interior Steps,Breakfast Bar,Kitchen-Dining Combo
  • Flooring: Carpet,Laminate,Concrete
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,075
  • Total interior livable area: 2,075 sqft

Property

Details

  • Parcel number: 30442005
  • Zoning: res

Features

  • Fencing: Chain Link

Lot

  • Lot size: 0.26 Acres
  • Features: Many Trees
  • Lot size dimensions: 110.72 x 104.23 x 110.72 x 104.23

Parking

  • Total spaces: 2
  • Parking features: Attached,Oversized
  • 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
    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 $2,654$31,848
Home Insurance $147$1,764
Property Taxes $240$2,880
Electricity $219$2,636
Total$3,260$39,120

Income You'd Need if You Spent...

35% on housing$111,771/yr
40% on housing$97,800/yr
45% on housing$86,933/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 85541$216
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
2026-06-25Listed for sale$525,000
2023-10-23Sold$435,000
2023-09-11Pending sale$449,999
2023-09-11Listed for sale$449,999
2023-09-04Pending sale$449,999
2023-07-14Price change$449,999
2023-05-09Price change$454,999
2023-04-14Listed for sale$459,999
2023-04-11Listing removed$471,999
2023-01-23Price change$471,999
2022-10-22Listed for sale$495,000
2020-12-10Sold$370,000
2020-10-28Pending sale$369,900
2020-10-16Listed for sale$369,900
2006-03-13Sold$330,000
2005-08-24Sold$150,000

For Sale by Agent

AgentTracy Oliva
BrokerageWest USA Realty

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