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5301 Saddle Strap Way, Pinetop, AZ, 85935

5beds
3baths
2,561sqft
$690,000
$269price/sqft
$4,179/moest. monthly cost
$167,160/yrincome needed

About This Home

Tucked in the highly sought-after Pinetop Lakes Equestrian community, this one-of-a-kind 5-bedroom, 3-bath, 2,561 sq ft mountain retreat blends innovative design with modern comfort. This unique double-envelope passive solar home features a sun-filled solarium that naturally circulates warm air between dual walls, helping maintain comfortable temperatures year-round while keeping utility costs low. The spacious, open-concept layout is ideal for both everyday living and entertaining, highlighted by a stunning kitchen with granite countertops that flows seamlessly into the main living area, complete with a cozy gas fireplace/stove. The newly added main-level primary suite is a true sanctuary, offering heated floors, a heated towel rack, steam locker, and spa-inspired finishes. Additional upgrades include a tankless water heater and fresh exterior paint. Situated on a generously sized lot surrounded by mature Aspen and Ponderosa pines, the property also features custom front-yard landscape lighting for exceptional curb appeal. A rare opportunity to own a distinctive, energy-efficient home in one of Pinetop's most desirable communities. Living in Pinetop Lakes Equestrian Estates offers a rare blend of mountain serenity, outdoor adventure, and upscale community living. Surrounded by towering Ponderosa pines and cool alpine air, residents enjoy a peaceful escape with access to horseback riding, scenic trails, and abundant wildlife right outside their door. The neighborhood is known for its spacious lots, custom homes, and a strong sense of privacy, while still being just minutes from golf, dining, and year-round recreation. Whether you're exploring the nearby forest, enjoying crisp mornings on the porch, or taking advantage of the exclusive Pinetop Lakes amenities, life here captures the essence of refined mountain living.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
3/10
4/10
Blue Ridge High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Metal,Pitched

Notable Dates

  • Major remodel year: 2025

Type & Style

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

Interior

Appliances

  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3

Features

  • Master Downstairs,Shower,Tub/Shower,Double Vanity,Living/Dining Room Combo,Breakfast Bar
  • Window features: Double Pane Windows,Skylight(s)
  • Flooring: Carpet,Wood,Tile
  • Fireplace features: Gas
  • Fireplace: Yes

Heating

  • Heating features: Natural Gas

Interior Area

  • Total structure area: 2,561
  • Total interior livable area: 2,561 sqft

Property

Details

  • Parcel number: 41170039

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Patio & porch: Patio,Deck
  • Exterior features: Rain Gutters
  • Fencing: Partial
  • Horses can be raised: Yes

Lot

  • Lot size: 0.46 Acres
  • Features: Wooded,Tall Pines On Lot

Parking

  • Parking features: Garage
  • Has garage: Yes

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

  • Wildfire
    WildfireVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Wildfire
Lightning
Winter Weather
Inland Flooding

FEMA Declared Disasters in Navajo 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 $3,489$41,868
Home Insurance $195$2,340
Property Taxes $224$2,688
Electricity $271$3,254
Total$4,179$50,148

Income You'd Need if You Spent...

35% on housing$143,280/yr
40% on housing$125,370/yr
45% on housing$111,440/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: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 1.2%
1.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$269This listing

vs Other Active Listings

Avg $/sqft

ZIP 85935$273
Navajo County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 85935$308
Navajo County$263

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
2026-04-21Listed for sale$775,000
2020-03-05Sold$315,000
2020-01-27Price change$325,000
2019-02-09Price change$335,000
2018-05-20Listed for sale$349,000
2018-03-05Listing removed$349,000
2018-01-06Price change$349,000
2017-11-20Price change$349,900
2017-04-26Price change$360,000
2017-03-08Listed for sale$384,500
2016-12-01Listing removed$374,500
2016-06-29Price change$374,500
2016-05-24Price change$379,500
2016-01-05Price change--
2015-11-25Listed for sale$384,500

For Sale by Agent

AgentKari Andre Rosenthal
BrokerageWest USA Realty - Pinetop

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