Cave Creek Homes with FHA New Financing

Welcome to Cave Creek, Arizona—a hidden gem nestled within the picturesque landscapes of Maricopa County. Known for its stunning desert vistas, rich history, and vibrant arts scene, Cave Creek offers a unique blend of small-town charm and modern amenities. With its close-knit community, residents enjoy a relaxed lifestyle surrounded by the breathtaking beauty of the Sonoran Desert. Whether you're exploring the eclectic shops along Cave Creek Road or savoring a meal at one of the many delightful eateries, there’s always something to discover.

Cave Creek is also a haven for outdoor enthusiasts. With miles of hiking trails, horseback riding opportunities, and the nearby Tonto National Forest, adventure awaits just outside your door. The area is renowned for its annual events, such as the Cave Creek Rodeo Days, which celebrate the town's rich cowboy heritage.

When it comes to real estate, Cave Creek boasts a variety of homes, making it an ideal choice for families, retirees, and anyone looking for a tranquil retreat. One of the standout features of this market is the availability of homes with FHA new financing. This option opens the door for many first-time buyers and those looking to invest in this stunning area, providing access to affordable homeownership with lower down payment requirements.

Explore the charm and warmth of Cave Creek, where your dream home awaits amidst the beauty of the Arizona desert. Whether you’re seeking a cozy retreat or a spacious family abode, the perfect property is just around the corner!

Newest Cave Creek Homes with FHA New Financing

$2,725,000

4 Beds ⋅ 3 Baths ⋅ 7091189 MLS

Experience luxury, privacy, and breathtaking mountain views on 3.11 acres in Cave Creek! Built in 2017, this custom home offers 3,120 sq. ft., a 340 sq. ft. private casita, and a climate-controlled 35'x70' RV garage with car lift and coated floors. High-end appliances, elegant finishes, hand-carved stone fireplaces, and a spa-inspired primary bath with steam shower and second laundry in the primary closet elevate everyday living. The expansive covered patio is perfect for entertaining, while the spectacular upstairs deck offers unrivaled panoramic mountain views and unforgettable sunsets! Equestrians will love the 3 covered horse pens with automatic waterers, endless riding opportunities, and proximity to the state park. A truly exceptional desert retreat! OWNER RELATED TO LISTING AGENT

3180 E Lazy Lizard Lane, Cave Creek

29606 N Tatum Boulevard Unit 216, Cave Creek

$325,000

2 Beds ⋅ 2 Baths ⋅ 7090895 MLS

**NEW HVAC UNIT & NEW HOT WATER HEATER!** Welcome to Terra Vista at Tatum Ranch! This desirable second-floor end unit overlooks the community pool for enjoyable Arizona outdoor living. The open 2-bedroom, 2-bath floor plan offers 9-foot ceilings, a spacious great room, gas cooking, and walk-in closets in both bedrooms. The primary suite includes a private bath and patio access. Community amenities include a heated pool and spa, fitness center, and clubhouse. Conveniently located near shopping, dining, golf, trails, Cave Creek, and North Scottsdale. A great opportunity for a full-time residence, seasonal getaway, or lock-and-leave Arizona retreat.

29606 N Tatum Boulevard Unit 216, Cave Creek

$1,203,048

4 Beds ⋅ 4 Baths ⋅ 7090063 MLS

31622 N 42nd Place, Cave Creek

$1,105,483

4 Beds ⋅ 4 Baths ⋅ 7088956 MLS

A hidden enclave of traditional single-story residences each boasting an oversized lot that embraces the north valley's desert living in Cave Creek, Arizona. This upgraded home features upgraded cabinets, countertops, and wood plank tile flooring. The upgraded backyard landscaping makes this home turn key. This home will be completed in January 2027.

31709 N 42nd Place, Cave Creek

$1,250,000

4 Beds ⋅ 3 Baths ⋅ 7088720 MLS

Highly sought-after Torrey Pines floorplan in gated Cave Creek community! Quiet and amenity-rich, with parks and walking paths just outside your door, backing to a private desert wash. High ceilings and abundant natural light make this split floorplan home feel expansive. The backyard is a true retreat: travertine tile, a built-in gas fireplace, built-in jacuzzi, built in bbq and your own putting green, surrounded by lemon, orange, and grapefruit trees. The indoor-outdoor elements blend seamlessly and the open and spacious layout are just part of what this model so desirable, with a perfect setup to entertain or just provide room for the whole family. Practical upgrades include a tankless gas water heater and an epoxy-coated garage floor with built-in storage. Come see Lone Mountain!

5815 E Sierra Sunset Trail, Cave Creek

38500 N School House Road Unit 8, Cave Creek

$859,000

2 Beds ⋅ 3 Baths ⋅ 7088492 MLS

Mountain views, a premium corner lot and beautifully upgraded interiors set this 2023 Galloway Ridge home apart. The single-level Capstone floor plan features two spacious primary suites, a dedicated office and 2.5 baths. An oversized island anchors the gourmet kitchen, complemented by quartz countertops, upgraded cabinetry, stainless steel appliances, gas cooking and a built-in wine fridge. Large windows and sliding doors bring natural light into the open great room. Enjoy north/south exposure and a private backyard with a covered patio, outdoor fireplace and view fencing overlooking the community's grassy dog park. A two-car garage and community pool, spa and fitness facilities complete this inviting Cave Creek retreat.

38500 N School House Road Unit 8, Cave Creek

$1,285,000

3 Beds ⋅ 3 Baths ⋅ 7087809 MLS

Stunning Sonoran Desert Jewel. Custom built 3680 sq/ft of luxury by FINITZ Custom Homes. 3 master bedrooms. Walled front courtyard. Oversized 1/3 acre lot backing onto 20+ acre hikeable desert preserve. 12' ceilings throughout main house, 10' ceilings in the attached 900 sq ft MULTI GENERATIONAL/FUNCTIONAL casita. Accommodate short or long term (funded) guests. The house features huge windows, natural stone accents, wood ceiling beams and a custom family room fireplace with wood beam mantel. French doors throughout. Fresh paint. Massive 800 cu/ft, temp controlled indoor storage room. Gorgeous sunken Pebbletech lagoon pool with 2 way pond waterfall. SUB ZERO and DACOR appliances. Artificial grass yard. Gas fire pit. 5300 sq/ ft under roof. Garage cabinets. RV gate. Cave Creek is the next Cupertino!!

4502 E Sierra Sunset Trail, Cave Creek

$695,000

4 Beds ⋅ 3 Baths ⋅ 7087503 MLS

Set in Dove Valley Estates, this single level Cave Creek home offers a private backyard designed for Arizona living, complete with a pool and plenty of space to relax or entertain. The generous lot, three car garage, and mountain views add to the home's appeal, while the open interior provides comfortable, functional living spaces. Conveniently located near shopping, dining, recreation, and the natural beauty of the surrounding desert.

4938 E Apache Rain Road, Cave Creek

29606 N Tatum Boulevard Unit 279, Cave Creek

$325,000

2 Beds ⋅ 2 Baths ⋅ 7085724 MLS

ARIZONA RESORT STYLE LIVING AT IT'S BEST! This lovely 2 bedrm, 2 bathrm corner unit near the pool area is light&bright, views of lush trees&grass areas. Move-in ready with new paint throughout, new plush carpet. Off the entry is an office niche. Large Great Room, separate dining area. Kitchen offers breakfast bar, elegant wood cabinets, gas range &oven, slab granite countertops, side-by-side refrigerator, built in microwave, lots of storage. Primary en-suite bedroom offers access to the balcony, large w/i closet. Elegant en-suite bathroom. Guest bedrm with w/i closet. Indoor laundry closet. Private patio with storage. Conveniently located to lots of shopping, golf&parks. Parking space is#384. Community amenities include:Clubhouse,Business Center, Fitness Center, heated pool & spa.

29606 N Tatum Boulevard Unit 279, Cave Creek

$649,000

3 Beds ⋅ 3 Baths ⋅ 7085710 MLS ⋅ 1,733 SqFt.

Welcome to this beautifully upgraded home featuring soaring ceilings, a stunning fireplace, and an inviting kitchen perfect for gathering with family & friends. The real magic continues outdoors! Escape to a lush, resort-style backyard featuring a sparkling pool, mature trees, covered patio, and built-in outdoor kitchen. Whether lounging poolside or entertaining guests, this private retreat captures the best of Arizona living.Thoughtfully upgraded bedrooms continue the home's inviting feel, while the spacious primary suite offers a private balcony, spa-inspired bathroom, and expansive walk-in closet. Located in desirable Tatum Ranch, this home combines beautiful interiors, an established neighborhood, upgraded home and an exceptional outdoor lifestyle

31226 N 45th Street, Cave Creek

5308 E Forest Pleasant Place, Cave Creek

$900,000

4 Beds ⋅ 3 Baths ⋅ 7085427 MLS

Tucked within a private gated community in Cave Creek, this move-in ready single-level home delivers the ultimate desert setting with no direct neighbors behind and stunning sunset views over the open natural wash. Situated on a premium 10,000+ sq ft north/south facing lot with view fencing, this residence showcases major high-value mechanical and cosmetic updates. Step inside to durable tile flooring throughout the entire home (2022) & an inviting, open-concept layout. The kitchen was beautifully updated in 2023, featuring an extended center island, quartz countertops, freshly painted cabinetry, custom tile backsplash, updated cooktop, & amazing storage. Plus, peace of mind comes with an updated AC installed in 2026! The highly functional floor plan offers 4 bedrooms, a den, 3 full... bathrooms--including a convenient Jack-&-Jill bath connecting secondary bedrooms. The generous primary suite features direct access to the back patio, an expansive walk-in closet, & an ensuite bath with dual vanities, a deep soaking tub, & separate shower. Step outside to a private backyard retreat with a covered paver patio, lush landscaping, & sunset views across the desert wash. Complete with a 3-car garage featuring epoxy floors & built-in storage cabinets, plus a side yard storage shed. Minutes from premier Cave Creek & North Scottsdale dining, shopping, & scenic trailheads!

5308 E Forest Pleasant Place, Cave Creek

$4,295,000

3 Beds ⋅ 3 Baths ⋅ 7085316 MLS

TO-BE-BUILT | A house unlike any other! Your own personal WELLNESS RETREAT! Built with NON-TOXIC materials this house is approximately 4,119 SF on approximately 8.5 private acres in Cave Creek, this distinctive desert residence is designed around high-performance construction, wellness-conscious materials and a strong connection to the surrounding landscape. The proposed residence features 3 bedrooms plus an office, 3 bathrooms and a 4-car garage. The accompanying architectural renderings illustrate the proposed design and are intended as a conceptual representation of the residence to be built. Concrete and structural steel construction provide a durable, noncombustible structural system, while expansive glass brings natural daylight and visual connection to the surrounding desert. The design incorporates minimal carpet and drywall, thermal-mass concrete to help moderate indoor temperature swings, airtight construction to support controlled filtered mechanical ventilation, and low-VOC finishes intended to reduce indoor chemical emissions. Planned indoor and outdoor living spaces are oriented toward the dramatic desert setting, mountain views and surrounding acreage. This is a thoughtfully designed Cave Creek estate where modern architecture, resilient materials, environmental considerations and wellness-focused design come together in a private acreage setting. See Documents tab for floor plans and specs.

6600 E Cavalry Road, Cave Creek

Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.