Surprise Homes with Owner May Carry New Financing

Welcome to Surprise, Arizona – a vibrant city nestled in the heart of Maricopa County, where the sun shines bright and the community spirit shines even brighter! With its picturesque desert landscapes, charming neighborhoods, and a wealth of amenities, Surprise has become a sought-after destination for families, retirees, and everyone in between.

Surprise is known for its friendly atmosphere and a strong sense of community. The city boasts an array of parks, recreational facilities, and golf courses, making it an outdoor lover’s paradise. Families can enjoy a day at the Surprise Aquatic Center or explore the stunning trails at the nearby White Tank Mountain Regional Park. With a variety of shopping, dining, and entertainment options, there’s never a dull moment in this thriving city.

For those looking to plant their roots in Surprise, the real estate market offers an exciting opportunity with homes featuring Owner May Carry New Financing. This unique financing option allows buyers to negotiate directly with sellers, making homeownership more accessible and flexible. Whether you’re a first-time buyer or looking to downsize, this arrangement can provide a smoother path to securing your dream home.

Explore the diverse range of properties available in Surprise, from cozy single-family homes to modern townhouses. With the backdrop of stunning Arizona sunsets and the warmth of a welcoming community, you’ll find the perfect place to call home. Discover the joys of living in Surprise, where every day feels like a new adventure!

Newest Surprise Homes with Owner May Carry New Financing

$438,900

4 Beds ⋅ 2 Baths ⋅ 7092261 MLS

Fully remodeled and move-in ready on a quiet cul-de-sac in Surprise Farms, with the 3-car garage buyers keep asking for. Brand new waterproof luxury vinyl plank runs throughout, finished with tall 5.5'' baseboards, fresh designer paint, refinished cabinetry with new hardware, and all-new lighting, fans and fixtures. The open great room flows into a bright kitchen with island seating, breakfast bar, walk-in pantry and stainless refrigerator. Split 4-bedroom, 2-bath single-level layout with a true laundry room. Out back, low-maintenance synthetic turf and a covered patio mean weekends are yours. Three full garage bays for the trucks, tools or toys. Community parks, playgrounds and sport courts, with Prasada shopping, dining and Loop 303 just minutes away.

17938 W Carmen Drive, Surprise

$420,000

3 Beds ⋅ 2 Baths ⋅ 7092216 MLS

This is a lovely 3-bedroom, 2-bath home in Surprise Farms! You're greeted by a 2-car garage and a front patio that sets an inviting tone. Inside, the spacious living room features high ceilings, a soothing palette with new paint, all new blinds throughout, and durable tile flooring. You'll also find a versatile den ideal for an office or study. The gourmet kitchen comes with granite counters, gas stove, ample wood cabinets, recessed lighting, essential built-in appliances, a pantry, and an island with a breakfast bar. The primary bedroom showcases an ensuite with dual sinks and a convenient walk-in closet. Spend enchanting moments in the beautiful backyard with covered patio and an open view to the green belt with a warm fire pit for evenings under the stars. **Seller Carryback Only**

18188 W Carmen Drive, Surprise

18635 W Pinnacle Peak Road Unit -, Surprise

$185,000

7090165 MLS

You can build your future home on the southern portion of the property, outside the flood plain. The flood plain lies along the northern portion. The flood plain lies along the northern portion. An existing shared well, drilled in 1978 is currently unused and the condition is unknown. Power is along the road; a connection is needed to serve the property. Sewer or septic on the property is unknown. Property is zoned Rural Residential with the city of surprise. The existing barn needs renovation. Build your vision or hold for the future.

18635 W Pinnacle Peak Road Unit -, Surprise

$249,000

7084376 MLS

This stick-built home in The Ranch offers smart Arizona living with a valuable bonus: an on-site RV port with full hook-ups right at home. Approximately 600 sq ft with one bedroom and one bathroom, it comes partially furnished for easy move-in. A rear storage unit houses the washer and dryer, while the private patio is ideal for morning coffee or sunset downtime. The RV port accommodates Class A motorhomes up to 45', eliminating storage costs and keeping you travel-ready. Located on a desirable corner lot with low HOA fees that include water, sewer, trash, and access to extensive community amenities. And best of all -- you own the lot. The Ranch section of Happy Trails is exclusive to Class A Motorhomes.

17200 W Bell Road Unit 1806, Surprise

15201 W Frontier Drive Unit '-', Surprise

$225,000

7082799 MLS

1.5 Acres lot. No HOA. Great location! Great Road Access! Surrounded by million dollar custom homes. Maricopa county land- Ready to Build. Zoned R-43/perfect for one acre custom home sites. This area still has gorgeous pristine desert but is still close to all of the amenities! Power across the street. Water by Well, Sewer by Septic. Maricopa county land with low taxes. Future access to the Loop 303 and Happy Valley Rd from 155th Avenue. This parcel provides easy access to schools, major employers, shopping, dining and entertainment. Close to new Taiwan Semiconductor (TSMC) Chip Plant. Beautiful mountain views!! Enjoy the country living located near the US-60. Bring your toys and horses. Come take a look today!!

15201 W Frontier Drive Unit '-', Surprise

$249,900

7079920 MLS

Nice opportunity for hard to find lot in Surprise. Access to water company, right off the Patton Rd parkway, with subdivision on south side. This is nice level land, recently cleared and grubbed. There is a private easement up the east side for the four lots of this minor land division. Water will actually come from the north of the property. Will require septic system. Excellent roads all the way to this property. These kind of lots are very hard to come by in Surprise! Seller will consider financing this. *an owner of this parcel holds AZ real estate License.

178X02 W Patton Road Unit 1, Surprise

$405,000

3 Beds ⋅ 2 Baths ⋅ 7078176 MLS

*SELLER FINANCING AVAILABLE*This isn't simply updated--it's a complete remodel where quality shows in every room. No expense was spared, from the high-end 42'' soft-close cabinetry and quartz countertops to stainless steel appliances, beautifully updated bathrooms, all-new flooring, tile, upgraded lighting and stylish ceiling fans throughout. NO CARPET! Fresh paint inside and out, new baseboards, a NEW ROOF with a 10-year warranty and a newer A/C add even more value. Every detail has been thoughtfully selected, creating a fresh, high-end look from room to room. Truly move-in ready and remodeled from top to bottom with attention to detail. All of this in a highly desirable Surprise location near Prasada's popular shopping, dining and entertainment.

15784 W Crocus Drive, Surprise

$355,000

3 Beds ⋅ 2 Baths ⋅ 7065388 MLS ⋅ 1,495 SqFt.

ASSUMABLE LOAN | CORNER LOT | COMMUNITY POOL & SPLASH PAD | EQUITY POTENTIAL Move-in ready with rare assumable financing on a prime corner lot near the park. Open-concept layout flows from living to dining to a modern kitchen with stainless steel appliances, granite counters, and a spacious island. Private primary suite offers a walk-in closet and en-suite bath with dual sinks and a walk-in shower. Landscaped yard and covered patio create a serene retreat with generous side and back yards for recreation or play. Resort-style amenities: pools, splash pads, playgrounds, dog parks, and a BBQ ramada -- all just outside your door.

17308 W Daley Lane, Surprise

$2,000,000

7060443 MLS

Excellent opportunity to own raw land in the rapidly growing area! Whether you're planning your next development or looking for a smart investment, this property offers outstanding potential

E Raw Land Drive Unit -, Surprise

$900,000

7051089 MLS

Over 14 acres connected within 4 separate parcels. The parcels contain some flat land, some wash, some hillside.

14900 W 149th Avenue Unit -, Surprise

$149,000

7049791 MLS

Don't miss the opportunity to own this 1.19 acre of flat land in Surprise, AZ. Perfect for your dream home with utilities available- just tap in! Your dreams are attainable as seller financing is available with 20% down. No HOA and no flood plain. Build what you want when you want. This prime piece of land is perfectly poised for building your dream home surrounded by scenic views, custom homes and a peaceful rural setting. South boundary already has a block wall saving your tons of money! Survey and soils test is also provided, saving even more in your pocket! Progress is heading this way but this rural pocket of custom home lots is right in the middle of it! Come see today.

22825 N 222nd Avenue Unit -, Surprise

$449,000

2 Beds ⋅ 2 Baths ⋅ 7038311 MLS ⋅ 1,696 SqFt.

4 CAR GARAGE ALERT!! Yes this home has been upgraded with a 4th car garage for that toy you have been thinking about buying or already have and need the space to keep right at home. The home itself has many upgrades including a full width patio extension in 2022 with the 2 wall mounted TV's included, all carpet replaced with tile floors in 2023, Trane HVAC in 2024, entire backyard redone in 2024 with pavers and turf, new wood plantation shutters and roll up shades in 2023, new 2nd bathroom shower installed replacing tub, new garage door openers in 2025, new water heater in 2021, and a heater rated fireplace to give you real usable heat for some of those cooler Arizona winter nights. There is also a new security gate between the new garage and the front door for added privacy and security. The great room has all tile floors, vaulted ceiling, a ceiling fan and a heater rated gas fireplace that gives off real heat for those chilly winter days and nights. The nearby eat-in kitchen features a large island for eating that quick meal, built-in wall oven and microwave, separate cooktop, pantry and ample cabinet space for storage. The master bedroom has vaulted ceilings, tile floors and a wall mounted TV included. Master bathroom has double sinks, a step in shower with grab bars, a walk-in closet and a private toilet room. Second bedroom has all tile floors as well as a wall mounted TV included with updated bathroom real close with a new step in shower instead of a tub. There is a den/office also that could possibly be converted to a bedroom in the future. Large laundry room with lots of upper and lower cabinets and plenty of counter space for laundry day. All the garage floors feature epoxy coatings, and the new 4th car garage has a wall mounted TV and air conditioning, so working out there in the summer will be a breeze. There also is a solar transfer station wired into the main electrical panel to generate and store solar power to use in case of a power outage. The backyard has been upgraded with extended width and depth covered patio with 2 wall mounted TV's included, 3 ceiling fans, new pavers, new turf, multiple seating areas, cool decking, putting green on the side yard as well as a storage shed. There also is a great view of the White Tank Mountains from the kitchen and the back covered patio that will never get old. Enjoy everything that this great upgraded home has to offer in this resort style community with golf, swimming, activities and the lifestyle and privacy you are looking for.

18360 N Alamo Drive, Surprise

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