RARE CREEK SIDE GEM. This is LOT #1 at the end of the road that stops at Tonto Creek, which is literally below your back deck. This is like a Hollywood set, on the water, that cannot be matched in this area. The cabin has been occupied by the current owner for 40 years, and the interior is immaculate and pristine. The lot has 243' of creek frontage with a concrete patio sitting area under a massive Sycamore tree right next to the water fall, and there is a deck off the cabin that is perched right over the creek. Bring your horses and put them in the corral on property, and ride out the driveway to the National Forest. You will be immersed in the tranquility of this location, and feel the tension melt away as soon as you step onto this one of a kind property. There is a 1.5 car garage that is located at the far end of the lot, and it is a great spot for a workshop or just a plan old man cave, away from the cabin. Plans are available that were approved by the county for an additional structure on the upper section of the lot, and allows the opportunity for expansion of square footage for a guest house. It coincides with the size of the alternative septic system on the property. The property is in a flood way, however the thing that makes it so unique is that the creek flow, as it rises, moves to the other side of the creek from the cabin, as the cabin is on the inside elbow of the turn. Documents attached from the county show that the cabin elevation is certified to be above the flood plain, which is below the cabin on the northeast side of the lot. Come and experience one of the most special water front lots in Arizona. You will not be disappointed.
Single-familyProperty Type
1977Year Built
0.54 acresLot Size
$657Est. Price/Sq.Ft.
1 garage spacesParking
Listed by Gary Cordell• Premier Realty Solutions
Bought with Stephine Wiskirchen• HomeSmart Lifestyles
RARE CREEK SIDE GEM AT KOHL'S RANCH. This is LOT #1 at the end of the road that stops at Tonto Creek, which is literally below your back deck. This is like a Hollywood set, on the water, that cannot be matched in this area. The cabin has been occupied by the current owner for 40 years, and the interior is immaculate and pristine. The lot has 243' of creek frontage with a concrete patio sitting area under a massive Sycamore tree right next to the water fall, and there is a deck off the cabin that is perched right over the creek. Bring your horses and put them in the corral on property, and ride out to the National Forest. You will be immersed in the tranquility of this location, and feel the tension melt away as soon as you step onto this one of a kind property. There is a 1.5 car garage that is located at the far end of the lot, and it is a great spot for a workshop or just a plan old man cave, away from the cabin. Plans are available that were approved by the county for an additional structure on the upper section of the lot, and allows the opportunity for expansion of square footage for a guest house. It coincides with the size of the alternative septic system on the property. The property is in a flood way, however the thing that makes it so unique is that the creek flow, as it rises, moves to the other side of the creek from the cabin, as the cabin is on the inside elbow of the turn. Documents attached from the county show that the cabin elevation is certified to be above the flood plain, which is below the cabin on the northeast side of the lot. Come and experience one of the most special water front lots in Arizona. You will not be disappointed.
ARMLS #5805273
Apr 27, 2020
Sold
$475,000
$441/sq ft
Aug 3, 2018
Listed
$535,000
$496/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$3,281 (+1.6%)
$11,262 + $42,115
$53,377
2024
$3,229 (+7.0%)
$11,213 + $29,240
$40,453
2023
$3,018 (+4.5%)
$11,743 + $13,069
$24,812
2022
$2,887
$11,743 + $11,325
$23,068
Tax history for 298 E Saddle Mountain Rd
Year
Property tax
Land + Additions
Assessment*
2025
$3,281 (+1.6%)
$11,262 + $42,115
$53,377
2024
$3,229 (+7.0%)
$11,213 + $29,240
$40,453
2023
$3,018 (+4.5%)
$11,743 + $13,069
$24,812
2022
$2,887
$11,743 + $11,325
$23,068
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
—
Baths
—
Stories
1
Lot width
—
Lot depth
—
Lot size
0.55 Acres
Year renovated
—
Sq. Ft.
1,078
Year built
2017
Style
Single Family Residential
County
Gila County
APN
30305135D
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 30, 2026.
Property details
Parking
Parking Information
Open Parking Spaces: 8
Covered Spaces: 3
Garage Information
Garage Spaces: 1
Carport Spaces: 2
Interior
Kitchen Information
Range Oven Electric: Yes
Pantry: Yes
Bathroom Information
Bathrooms (Total Decimal): 2
Bathrooms (Total Integer): 2
Bedroom Information
Bedrooms (Possible): 2
Heating & Cooling
Has Heating
Cooling: Other, See Remarks
Has Cooling
Heating: Natural Gas
Interior Features
Interior Features: Pantry, Full Bth Master Bdrm
Fireplace Features: 1 Fireplace, Family Room
Has Fireplace
Exterior
Exterior Features
Construction Materials: Wood Frame
Horses Allowed
Fencing: Chain Link, Partial, Wood
Roof: Metal
Property Information
Ownership: Fee Simple
Property Sub Type: Single Family Residence
Lot Information
Lot Size Area: 23,522
Lot Size Source: Assessor
Lot Features: Natural Desert Back, Natural Desert Front
Building Information
Building Area Source: Assessor
Financial
Tax Information
Tax Annual Amount: $2,285.84
Tax Year: 2016
Utilities
Utilities
Propane
Location
HOA Information
Association Fee Includes: No Fees
School Information
Middle Or Junior School: Out of Maricopa Cnty
High School: Out of Maricopa Cnty
Elementary School: Out of Maricopa Cnty
Location Information
Directions: HWY 260 EAST TO KOHL'S RANCH TURN OFF. FOLLOW SHORT RD TO THE RIGHT OF THE RESORT TO END. TURN RIGHT, FOLLOW THE ROAD KEEPING LEFT, THEN LEFT ON SADDLE MOUNTAIN RD MEANDERING UNTIL THE END TO SIGN.
Utility Information
Sewer: Septic in & Cnctd
Public facts
Beds: —
Baths: —
Sq. Ft.: 1,078
Stories: 1.0
Lot Size: 0.55 acres
Style: Single Family Residential
Year Built: 2017
Year Renovated: —
County: Gila County
APN: 30305135D
Home facts updated by county records on Jul 30, 2026
Other
Listing Information
Water Source: Pvt Water Company
Around this home
Schools
Payson Elementary School
Public K-2 • Assigned • 0.6mi
Rim Country Middle School
Public 6-8 • Assigned • 1.7mi
5/10
Payson High School
Public 9-12 • Assigned • 1.8mi
4/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
9/10 Fire Factor
54% chance of being in a wildfire in next 30 years
4/10 Heat Factor
7 days above 96° expected this year, 18 days in 30 years
1/10 Wind Factor
Minimal risk of severe winds over next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Payson, AZ • 85541
Average low and high temperatures (°F)
55
30
64
36
70
41
71
42
80
50
92
60
92
65
92
65
82
58
78
50
63
38
62
35
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 12.7 hours in
June and 7.3 hours in December, placing it above the
U.S. average for solar exposure.
12.7 hrs
7.3 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$673,000 – $814,000
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