Surprise Homes with Owner May Carry New Financing

Surprise Homes with Owner May Carry New Financing

Welcome to Surprise, a charming city located in Maricopa County, Arizona. Known for its vibrant community and family-friendly atmosphere, Surprise offers a perfect blend of small-town charm and modern conveniences.

If you are looking to settle down in Surprise, you'll be delighted to know that there are plenty of homes with owner financing options available. This means that you may have the opportunity to purchase a home with a unique financing arrangement that can be tailored to suit your needs. Whether you're a first-time homebuyer or looking to invest in real estate, owner financing can offer flexibility and convenience.

Surprise boasts a diverse real estate market, with a range of housing options to choose from. From cozy single-family homes to spacious condos and townhouses, there is something for everyone in this bustling city. With the option of owner financing, owning a home in Surprise has never been more accessible.

Don't miss out on the opportunity to own a piece of this thriving community. Explore the homes with owner financing in Surprise today and find the perfect place to call home in this wonderful city in Arizona.

Newest Surprise Homes with Owner May Carry New Financing

$150,000
1 Beds ⋅ 1 Baths ⋅ 7067899 MLS ⋅ 395 SqFt.
Seller May Carry! A sharp Home in the Happy Trails 55 plus resort. Community Features 4 pools. Multiple hot tubs, Pickleball and tennis courts, dog park, woodshop, stained glass shop, pottery shop, fitness center, billiards room, bocce ball and shuffle ball courts, walking and biking paths and much more! Home is close to pool, clubhouse and laundry services. It is clean and move in ready. Come and see your new place!

17200 W Bell Road Unit 1476, 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
$275,000
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 open to creative financing. Motivated Seller

13963 N 132nd Lane, 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
$159,000
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
$85,000
7046296 MLS
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
$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
$155,000
7026154 MLS
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
$469,900
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
$345,000
2 Beds ⋅ 2 Baths ⋅ 7014492 MLS ⋅ 1,443 SqFt.
Gorgeous remodeled, fully furnished 2 bed/2 bath home in the highly sought-after 55+ guard-gated community of Sun Village! Light and bright open floorplan featuring granite countertops, plantation shutters, updated flooring, fresh paint, and no carpet. Extensive 2023 upgrades include new roof underlayment, ceiling fans, interior/exterior paint, refrigerator, freezer, microwave, water heater, plumbing fixtures, and upgraded electrical panel. Patio and garage feature durable epoxy finishes. Enjoy resort-style amenities including golf, heated pool & spa, tennis, clubhouse, and a vibrant active adult lifestyle. Move-in ready and beautifully updated! SELLER FINANCING AVAILABLE WITH FAVORABLE TERMS!

17467 N Sunset Trail, Surprise
$110,000
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
$839,900
4 Beds ⋅ 3 Baths ⋅ 7004230 MLS ⋅ 3,131 SqFt.
Rare acreage living, minutes from town. Set on a private 1.25-acre no-HOA lot just 10 minutes to shopping and dining, this 4BR/3BA home blends country freedom with everyday convenience. Inside: a bright, versatile layout with formal living, a private office/den, and a spacious family room. The chef's kitchen features stainless steel, granite counters, and a breakfast-bar island. The primary suite is a retreat with private patio access, soaking tub, and walk-in closet. Outside: mountain views, mature landscaping, an extended 3-car garage, and 2 RV gates -- room for toys, horses, or a shop. Private well/septic keep costs low. ALSO AVAILABLE FOR RENT AND SELLER FINANCING. FAVORABLE TERMS. This is the rare kind of property that gives you room to live, room to grow, and freedom to enjoy it.

15225 W Frontier Drive, Surprise
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.