Surprise Homes with Owner May Carry New Financing

Surprise Homes with Owner May Carry New Financing

Welcome to Surprise, Arizona, a vibrant city nestled in the heart of Maricopa County. With its stunning desert landscapes, friendly community atmosphere, and an array of amenities, Surprise is the perfect place for anyone looking to call Arizona home. Known for its beautiful parks, recreational opportunities, and family-friendly environment, this city offers a unique blend of suburban tranquility and urban convenience.

Surprise boasts a rich tapestry of neighborhoods, each with its own character and charm. From cozy single-family homes to spacious properties, there is something for everyone. One of the standout features of the real estate market in Surprise is the availability of homes with owner may carry new financing options. This flexible financing arrangement can be a game-changer for buyers, providing an opportunity to secure a home without the traditional hurdles of bank financing. It opens the door for potential homeowners who may face challenges in securing conventional loans, making homeownership more accessible.

Residents of Surprise enjoy a plethora of amenities, including shopping centers, dining options, and entertainment venues. The city is also home to several parks and recreational facilities, perfect for outdoor enthusiasts. With its excellent schools and community events, Surprise is ideal for families looking to settle down.

Whether you’re a first-time buyer or looking to invest in a new property, Surprise, Arizona, offers a welcoming community and a variety of housing options, including those with owner may carry financing. Explore the possibilities and discover your dream home in this charming city!

Newest Surprise Homes with Owner May Carry New Financing

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

3 Beds ⋅ 2 Baths ⋅ 7058459 MLS ⋅ 1,156 SqFt.

What a lovely property with incredible potential and great bones. Home needs some TLC. Ideal buyer has some home repair background. This would be a GREAT property for a buyer who is not afraid to do some work to end up with a lot of equity. Home is a perfect size for a bread and butter rental property. Due to the repairs needed seller is open to investor offers and creative offers. Seller is willing to carry a note via Wrap mortgage. Motivated Seller

13963 N 132nd Lane, Surprise

2 Beds ⋅ 2 Baths ⋅ 7054726 MLS ⋅ 938 SqFt.

Seller is now providing Buyer with a new one-year home warranty, with coverage costing up to $1,000. ALSO, Seller is now offering carryback financing at just a 6% interest rate. Save on interest and enjoy more flexible financing! Don't miss this amazing opportunity to own a beautifully maintained corner-unit condo in the highly sought-after active adult community of Sun Village. With thoughtful updates already completed and access to an incredible array of amenities, this home offers the perfect blend of comfort, convenience, and lifestyle. The inviting private back patio includes a storage area and is enhanced with a covered porch and exterior roll-down awnings, creating a comfortable space to enjoy Arizona mornings and evenings year-round. Inside, recent improvements include luxury vinyl plank flooring in the bedrooms, replacing the previous carpet for a fresh, modern look. Additional updates include some new interior paint, a new light fixture in the primary bedroom, and a refreshed primary bathroom featuring a new faucet and toilet. The newer water heater and approximately 7-year-old AC system provide added peace of mind, while the HOA maintains the roof for reduced maintenance responsibilities. Beyond the home itself, Sun Village offers an exceptional active adult lifestyle with amenities that include golf, pickleball courts, tennis courts, shuffleboard, a heated pool and spa, fitness center, clubhouse, beauty salon, restaurant, woodworking shop, sewing room, billiards room, gathering spaces, and a full calendar of community activities. Whether you're looking for a year-round residence or a seasonal retreat, this updated corner-unit condo is an excellent opportunity to enjoy one of the area's most vibrant and amenity-rich communities.

14300 W Bell Road Unit 288, Surprise

Rare opportunity to own 6.22 acres in one of the fastest-growing areas just outside of Surprise on a county island. With the potential to split into multiple parcels, this property is ideal for developers, builders, or investors looking to create custom homes. The property features a private well, with power nearby, making it an excellent opportunity for future development. Enjoy the flexibility of county island living while being just minutes from the area's continued growth, shopping, dining, and amenities. Don't miss your chance to secure a prime piece of land with outstanding potential.

W Peak View Road Unit 503-51-207-H, Surprise

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

14900 W 149th Avenue Unit -, Surprise

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

Over 1/4+ acre buildable lot.Lot Size: 12,371 SQFT. Lot is 3 parcels south of Marshall St and 1 parcel in from Jerry Street. See photos for the DEEDED ALLEY ACCESS -Approved site plan for 2 yes 2 manufactured/mobile homes -Zoning: SHD-RO (Residential, General) -Entitlements already secured → reduced timeline, lower permitting risk, minimal upfront soft costs

15801 1/2 N Jerry Street Unit -, Surprise

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

Unique corner lot that is waiting for your RV or maybe a new park model. Use your imagination and create your special home. The shed is fresh and feels like new, ready to add personal touches or enjoy as a craft area. Corner lots are rare so do not wait. And as a bonus-owner will consider Seller Carryback Financing.

17200 W Bell Road Unit 616, Surprise

6 Beds ⋅ 3 Baths ⋅ 7022877 MLS ⋅ 2,673 SqFt.

Spacious home with 2 downstairs bedrooms and 4 upstairs bedrooms. Living room and separate sitting room. Spacious kitchen. Open canvas yard for creative design. This home has been a well kept up rental property for many years and owner may carry. May need Needs new carpet or vinyl flooring and a little TLC. All offers will be reviewed. Seller may carry back loan short term with 15% down, competitive rate OAA.

14150 W Boca Raton Road, Surprise

4 Beds ⋅ 3 Baths ⋅ 7012140 MLS ⋅ 3,156 SqFt.

Beautiful two-story home in the desirable Orchards community of Surprise. This spacious floor plan features soaring ceilings and a light-filled front living area that makes a stunning first impression. A formal dining area is perfect for gatherings, while the open kitchen flows seamlessly into the family room for effortless everyday living and entertaining. Downstairs includes a private office, full bath, and convenient laundry room. Upstairs offers a spacious primary suite with ensuite bath and walk-in closet, plus additional bedrooms, a loft, and a versatile flex room. The resort-style backyard features a sparkling pebble tec pool, recently drained and power washed with cleaned filters, a covered patio, and a large yard ideal for relaxing or entertaining.

15129 W Post Drive, Surprise

2 Beds ⋅ 2 Baths ⋅ 7004268 MLS ⋅ 8,026 SqFt.

Spacious 2 bed, 2 bath mobile home in a 55 plus community. Highlights include open floor plan through the Kitchen, Living, Dining and family rooms skylights, new carpet, and a handicap ramp with no interior steps Living, Dining and family rooms. The kitchen features pull-out shelves, and the master bedroom has a walk-in closet with double sinks in the bath. The carport holds 2 large vehicles and a huge workshop the front porch is perfect for evening relaxation and the citrus tree is full of fruit!

11596 W Sierra Dawn Boulevard Unit 128, Surprise

Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.