Affordable Newer Construction with No HOA in Kachina Village! Built in 2021 and nestled among the towering Ponderosa pines, this move-in-ready home offers the perfect blend of modern comfort and value. The open-concept floor plan features upgraded flooring throughout and a spacious kitchen with a large island that's perfect for gathering and entertaining. Enjoy the covered front porch and a large tiered backyard on a quiet cul-de-sac with minimal traffic. Built with durable 2x6 construction and an Energy Saver Package, this home is designed for year-round comfort and lower utility costs. Recent improvements include an 8x10 storage shed and an expanded parking pad with room for up to three vehicles. With newer construction, energy-efficient features, and an affordable price, this home is an excellent opportunity for first-time buyers, those seeking a low-maintenance primary home, or anyone looking to enjoy Flagstaff living without HOA restrictions. Some photos in this listing have been virtually staged or digitally altered to show property potential.
Yes, as long as you meet the lender's credit (620+) and DTI requirements. FHA assumptions require you to use the home as your primary residence.
You need to cover the seller's equity of $272,723. If you don't have that in cash, we can help structure secondary financing to cover the gap.
No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.