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1114 S Mud Springs Rd, Payson, AZ, 85541

3beds
3baths
2,608sqft
$715,000
$274price/sqft
$4,419/moest. monthly cost
$176,760/yrincome needed

About This Home

This immaculate home has a room for your every need, including both a living room and den, formal dining and dinette areas, an office, three bedrooms, a 10 x 21 ft hobby/play/rec room, an 8 x 21 ft workshop attached to the garage, and a laundry room. The house is built on a slab. Numerous large windows provide a bright, cheerful environment. Ceiling treatments are varied and attractive throughout, and the master bedroom has classy wall treatments and crown molding. Additional features include a 6.4 kW solar system, RV/trailer/boat parking, two Trex decks (one mostly covered), a fenced dog run/play area, a 12 x 16 ft shed with loft storage, a pellet stove to augment propane heat, a spa tub, granite countertops in kitchen, all on a lot just under 0.6 acres with abundant trees. The roof, solar system, water heater, pellet stove, microwave oven, and shed are all new within the past 2-4 years. This home is located in one of Payson’s nicest developments (Rim View Heights) on a quiet cul-de-sac that affords privacy, a peaceful neighborhood, and great neighbors.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

5/10
5/10
4/10
Payson High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Asphalt
  • Construction materials: steel

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Carpet

Heating & Cooling

  • Heating features: Forced air,Other,Stove,Propane / Butane,Wood / Pellet
  • Cooling features: Central,Solar

Interior Area

  • Total interior livable area: 2,608 sqft

Property

Details

  • Parcel number: 30450038

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.58 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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 $3,615$43,380
Home Insurance $201$2,412
Property Taxes $327$3,924
Electricity $276$3,314
Total$4,419$53,028

Income You'd Need if You Spent...

35% on housing$151,508/yr
40% on housing$132,570/yr
45% on housing$117,840/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

$274This 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)

No zestimate history available

Price History

DateEventPrice
2026-07-30Listed for sale$715,000
2011-02-10Sold$337,883
2008-05-23Listing removed$537,000
2008-03-05Listed for sale$537,000

For Sale by Owner

AgentProperty Owner

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