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806 N Oak Point, Payson, AZ, 85541

3beds
3baths
2,424sqft
$674,000
$278price/sqft
$4,161/moest. monthly cost
$166,440/yrincome needed

About This Home

Breathtaking views while nestled at the end of a quiet cul-de-sac in Payson, this exceptional property at 806 N. Oak Point offers privacy, and extensive shop space/storage. A true single story home with no stairs, surrounded by mature trees, the home provides a serene, secluded setting while still being conveniently located. Inside, you'll find three spacious bedrooms plus a dedicated office--perfect for remote work or a quiet retreat. The expansive basement features tall ceilings and a separate entrance, offering incredible flexibility for a workshop, hobby space, or extensive storage. A three-car garage provides ample room for vehicles and gear, while the covered patio invites you to relax and take in the spectacular scenery year-round. This is a rare opportunity to own a private, view-filled property with versatile living space in one of Payson's most desirable settings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
5/10
4/10
Payson High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2006

Materials

  • Roof: Asphalt
  • Construction materials: Stucco,Wood Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Eat-in Kitchen,Living-Dining Combo,Kitchen-Dining Combo,Vaulted Ceiling(s),Walk In Pantry,Master Main Floor
  • Window features: Double Pane Windows
  • Flooring: Carpet,Wood,Stone
  • Fireplace features: Wood Burning Stove,Great Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,424
  • Total interior livable area: 2,424 sqft

Property

Details

  • Parcel number: 30290311
  • Zoning: RES

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Covered Patio
  • Exterior features: Drip System
  • Has view: Yes
  • View description: Panoramic,City

Lot

  • Lot size: 0.46 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: IRR

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $3,408$40,896
Home Insurance $189$2,268
Property Taxes $308$3,696
Electricity $256$3,080
Total$4,161$49,932

Income You'd Need if You Spent...

35% on housing$142,662/yr
40% on housing$124,830/yr
45% on housing$110,960/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

$278This 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
2026-04-27Listed for sale$699,000
2013-06-14Sold$310,000
2012-07-13Listed for sale$349,900
2010-01-25Sold$275,000
2009-09-10Listing removed$399,000
2009-07-18Listed for sale$399,000

For Sale by Agent

AgentJason P Giarrizzo
BrokerageWest USA Realty

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