Tucked into two wooded acres of towering ponderosa pine, this is a rare in-town parcel that still feels like a retreat. A river-rock chimney anchors the 1999 main home, where wide-plank pine floors run beneath vaulted ceilings and an upstairs master. The main bathroom features a marble counter with molded sink basin set in maple cabinets. The galley kitchen pairs butcher-block counters and honey-stained maple cabinets with a stainless oven range, dishwasher, and refrigerator. Two bedrooms, two baths, plus a flex space that works as a third bedroom, office, or media room. Step onto the elevated deck and the forest is your backyard. Sold furnished -- water, septic, power, and propane are already in place. A second structure is where this property earns its keep. The 493 sq ft casita features pine floors and walls, a kitchenette, full bath, and a covered front porch. This property has proven rental potential as a nightly stay, long-term unit, or private guest quarters. Below it sits a terraced hot-tub deck carved into the hillside, screened by pines and built for stargazing after a day on the trails. Outside, a circular gravel drive, flower-filled wine barrels, a porch swing, and a hammock strung between trunks set the tone. Stacked-stone retaining walls and native rock borders shape the grounds without fighting the natural terrain. No HOA, horses allowed, and the kind of quiet you usually have to drive 30 minutes out of town to find. That's the trick here: you're minutes from Show Low's grocery stores, the hospital, restaurants, and shopping, yet steps from trailheads, lakes, and pine-shaded parks. Show Low sits at roughly 6,400 feet in the White Mountains. It hosts four real seasons: summers that stay 20+ degrees cooler than the Valley, and weekends built around the Mogollon Rim, Fool Hollow and Show Low Lakes, fishing, mountain biking, ATV routes, and winter snow. It's a primary residence, a weekend escape, and an income property all on one lot. Furnishings convey, the recent appliances stay, and both homes are move-in ready. Bring the horses.
Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.
You need to cover the seller's equity of $333,571. If you don't have that in cash, we can help structure secondary financing to cover the gap.
Yes — VA assumptions can be used for investment properties. You can rent this home out.
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.