Sedona Homes with Owner May Carry New Financing

Sedona Homes with Owner May Carry New Financing

Welcome to Sedona, Arizona – a breathtaking oasis nestled amidst the stunning red rock formations of the Coconino National Forest. Known for its vibrant art scene, spiritual energy, and outdoor adventures, Sedona is more than just a picturesque destination; it’s a lifestyle. With its mild climate, abundant sunshine, and spectacular scenery, it’s no wonder that many are drawn to call this enchanting city home.

Sedona boasts a diverse range of properties, from cozy cottages to luxurious estates, each with its own unique charm and character. One of the most appealing aspects of the Sedona real estate market is the availability of homes with owner may carry new financing. This option provides a flexible and creative financing solution for buyers, allowing them to negotiate terms directly with the seller, making homeownership more accessible in this sought-after location.

Imagine waking up to panoramic views of the iconic red rocks, with hiking trails and outdoor activities just steps from your front door. Sedona’s vibrant community offers a plethora of amenities, including art galleries, boutique shops, and farm-to-table dining experiences, all set against a backdrop of stunning natural beauty. Whether you’re seeking a peaceful retreat or an active lifestyle, Sedona has something for everyone.

With owner may carry financing options available, now is the perfect time to explore the Sedona real estate market. Embrace the opportunity to invest in your dream home in this idyllic setting, where the beauty of nature meets the warmth of community. Discover your slice of paradise in Sedona today!

Newest Sedona Homes with Owner May Carry New Financing

1 Mobile Business --, Sedona
$550,000
7093840 MLS
Established Heating and Air Conditioning business with established customer base. Services Sedona, Cottonwood, camp Verde, Jerome and Cottonwood. HVAC Inventory included. Van, 8 ft sheet metal brake, 4 stomp shear, Pittsburgh machine, pin spotter and spot welder included equipment. Additional sheet metal equipment available for sale. Training available, buyer must obtain their own license. Seller financing available.

1 Mobile Business --, Sedona
31 Jefferson Court Unit 17, Sedona
$1,200,000
7088787 MLS
Lot 17, Mystic Heights: Cathedral Rock, Bell Rock, The Sisters and Lee Mountain, all from one homesite. This .805-acre premium VIEW lot sits in Sedona's most coveted gated enclave, with uninterrupted panoramic views from virtually any vantage point you choose. That means the architecture works around the view, not the other way around. The groundwork is done: underground utilities, electric, high-speed internet, community sewer and water are all at the lot line. Now the real advantage. Land loans are nearly extinct, so the SELLER WILL FINANCE with 35% down. Choose a 3-year balloon at 2.75% or a 5-year balloon at 5.25%. Lock in the rate, keep your capital for the build, and design the home these views deserve. Lots like this don't come back. Once you walk it, you will want to build.

31 Jefferson Court Unit 17, Sedona
135 Hilltop Road Unit 10, Sedona
$397,000
7088784 MLS
Lot 10, Mystic Heights: Where Vision Meets Landscape. Some places invite architecture. Others demand it. Mystic Heights is a 40-acre gated Sedona enclave where homes don't just rise from the red earth, they belong to it. Lot 10 is a .89-acre cul-de-sac homesite and one of the most attainable ways into this sought-after community, with nothing sacrificed: unobstructed Red Rock views, natural terrain, and real privacy. Underground utilities run to the lot line, with sewer and water provided by Mystic Heights. Now the part that sets it apart: SELLER WILL FINANCE with 35% down. Choose a 3-year balloon at 2.75% or a 5-year balloon at 5.25%. Skip the land-loan hurdles and put your capital into the home itself. Bring your architect. The canvas is waiting.

135 Hilltop Road Unit 10, Sedona
44 Jefferson Court Unit 21, Sedona
$695,000
7088259 MLS
THE BEST BUY at Mystic heights! Welcome to Sedona's most extraordinary ultra-luxury gated community. Within earshot of Oak Creek, Mystic Heights enjoys some of the most breath-taking panoramic views on the planet. Lot 21 has it all. Bordering US National Forest, this elevated, mostly level, parcel revels in its unobstructed red rock views. The marvelously designed and well-appointed community is nearly surrounded by Coconino Forest and features underground utilities, high-speed internet, electricity, community sewer, and water to the lot line. Incredible private financing available: 35% down at 2.75% for three years or 5.25% for five years. An amazing bargain. A Development Report from Casa Natural Builders for the parcel, including a cost analysis of the lot prep.

44 Jefferson Court Unit 21, Sedona
140 Hilltop Road Unit 14, Sedona
$950,000
7088256 MLS
Gorgeous parcel at Mystic Heights, Sedona's extraordinary, ultra-luxury, gated community. Close to Oak Creek & US Nat'l Forest, tucked high above the rest of the subdivision. Boasting some of the best panoramic views anywhere in Sedona, Lot 14 also enjoys a fairly level building site. The marvelously designed community is nearly surrounded by Coconino Nat'l Forest & features underground utilities, high-speed internet, electricity, sewer, & water to the lot line. Less than a 15-minute drive into town. You can have it all. Ask for AZ Public Report. Incredible private financing available: 35% down at 2.75% for three years or 5.25% for five years.

140 Hilltop Road Unit 14, Sedona
90 Hilltop Road Unit 29, Sedona
$367,000
7083690 MLS
Exclusive Mystic Heights corner lot prime for your dream home construction. This 37 parcel gated subdivision is nestled into a secluded area giving you privacy, seclusion and stunning views, yet only minutes to all amenities. Abundant natural vegetation, views, and an gently slopped for a driveway makes for an easy build of that dream home you have always wanted. With a short walk to National Forest, you can enjoy all the natural beauty the high desert has to offer and take in the mystique of the red rocks and their ever changing colors.

90 Hilltop Road Unit 29, Sedona
240 Cross Creek Circle Unit 71, Sedona
$398,000
7077896 MLS
Come discover the coveted and gated Cross Creek Ranch . . . one of Sedona's finest neighborhoods. Ample parcel spans 2.25 acres with National Forest just across the street and the tumbling waters of Oak Creek and private trail access just a couple of lots away. This great location offfers a vey generous, nearly level buiding site with all utilities available in the street. Surrounded by multi million dollar homes, this private community offers an inviting connection with nature. Walk, fish, swim and relax in your private section of Oak Creek! A must see for the discriminating buyer. Also, owner may carry the financing with 25% down at 5% interst for 5 years.

240 Cross Creek Circle Unit 71, Sedona
26 El Camino Tesoros --, Sedona
$3,200,000
4 Beds ⋅ 4 Baths ⋅ 7076688 MLS ⋅ 3,900 SqFt.
Framed by some of Sedona's most breathtaking panoramic red rock views, this newly constructed August 2026 architectural masterpiece redefines modern luxury living. Set within an exclusive gated neighborhood on nearly 1/2 acre, the approximately 3,900 SF residence captures its dramatic surroundings through walls of glass that blur the line between indoors and out. Designed for effortless living, the 4-bedroom, 4-bath floor plan includes an office, flexible media/recreation room, and a spa-inspired primary suite with steam shower. The gourmet chef's kitchen is a showpiece with custom Rift Cut Oak cabinetry, waterfall quartz, premium professional appliances, and exceptional craftsmanship throughout. Luxury, privacy, and iconic Sedona views. List of amenities attached to MLS documents. Ask about the ONLINE BROCHURE and UNBRANDED VIDEO posted on Vimeo. Home is virtually staged & furniture not included. Option for buyer to add on options. - All furniture/art virtually staged in photos - Builder to provide credit to Buyer for custom closets - Elevator can be an option (not included in price)

26 El Camino Tesoros --, Sedona
400 Acacia Drive Unit 85, Sedona
$224,000
7076348 MLS
Discover an exceptional opportunity to create your own Sedona retreat in the opulent Mystic Hills community! Electric, water, gas and sewer are at the lot line. Survey and soil tests are done. Approved home plans are available or bring your own vision. It is ready for you! Luxurious homes define this community, where your neighbor will not be a short-term renter. Get ready for a welcoming, active lifestyle with a community clubhouse and friendly games of tennis, pickleball, and bocce ball, along with neighborhood barbecues and social gatherings. This lot's beautiful natural setting is highlighted by captivating views of Elephant Rock plus a meandering arroyo where you can watch the local wildlife. You're one step closer to making your Sedona dream home a reality. Take the easy path that that leads to the building site, inviting you to experience the beauty and potential firsthand. You won't want to leave this paradise!

400 Acacia Drive Unit 85, Sedona
60 Chrysona Lane Unit 5, Sedona
$195,000
7059746 MLS
Beautiful, easy build lot in the exclusive subdivision of Michaels Ranch. This near acre lot backs to forest service land and comes with ready-made landscaping with its large trees in back. Views of Schuerman mountain and wildlife abound nestled in a peaceful community of just 42 lots and just 5 miles outside of West Sedona. Topo, perc (conventional allowed), and prelim site survey are done. Architectural plans for a large stunning Mediterranean build are included. Seller will consider owner financing.

60 Chrysona Lane Unit 5, Sedona
163 El Camino Real -- Unit -, Sedona
$299,000
7058808 MLS
Location! Panoramic Red Rock views in every direction, this pristine 0.53-acre parcel in Sedona's exclusive Foothills South is graced with ancient native trees, shrubs & wildflowers. Natural Gas, City Sewer, Underground Electricity, Cable & Internet are all available and ready to go. Seller Financing may be available. Imagine your architectural masterpiece and quiet retreat in one of the most beautiful locations on Earth boasting sweeping red rock views, perfect climate & fresh, clean, pine-scented air. Foothills South is a gated, luxury, private subdivision surrounded on two sides by the spectacular & diverse Coconino National Forest where wildlife & the beauty of nature abound. Forest Service trail access is just ½-block SW of the property and leads to endless hiking & mt biking trails. The breathtaking, world-renowned beauty of Sedona is captured perfectly on this unique parcel, where peace & beauty endure, yet you are conveniently close to fine dining, shopping & City of Sedona amenities. There is no constraint on build time, so buy now and manifest your dream home later. This gorgeous parcel is a rare find as most lots in Foothills South are already developed with opulent homes in a variety of architectural styles. Prices of sold homes in the past 2 years ranged from $1,299,000 to $4,040,000. Minimum square footage required is 2,200 sf. The native trees & lush vegetation on the property are considered part of a remnant chaparral ecosystem, leftover from when Sedona was a great, shallow ocean 330 million years ago. You can still find seashells on the limestone ledges & in the red soil. This is a Once-In-A-Lifetime Opportunity to enjoy vast Sedona red rock views from your custom retreat for decades to come. Plan your private tour today.

163 El Camino Real -- Unit -, Sedona
10 Amber Cliffs Way, Sedona
$2,199,900
4 Beds ⋅ 4 Baths ⋅ 7038533 MLS ⋅ 3,084 SqFt.
EXCITING NEWS!! Property appraised for over list price. Nestled within Sedona's prestigious Cross Creek Ranch, 10 Amber Cliffs Way is a contemporary desert sanctuary where architecture and nature exist in perfect harmony. Surrounded by panoramic red rock vistas and framed by sweeping views of Cathedral Rock, this custom-built residence offers sophisticated indoor-outdoor living, exceptional craftsmanship, and serene privacy on over two acres. Designed with enduring materials and thoughtful flexibility, the home combines modern luxury, energy-efficient construction, and a profound connection to the natural beauty that makes Sedona one of the Southwest's most coveted destinations. Located in a gated enclave bordering Red Rock State Park and near Oak Creek, the property offers exceptional privacy, direct access to nature trails, and a peaceful environment away from Sedona's tourist traffic. The community is known for its meadows, sycamore and cottonwood groves, historic irrigation channels, and easy access to both Sedona and Phoenix.

10 Amber Cliffs Way, Sedona
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.

How much is your home worth?

Get instant property value now!