Cave Creek Homes with FHA New Financing

Cave Creek Homes with FHA New Financing

Welcome to Cave Creek, Arizona—a charming desert oasis nestled in the heart of Maricopa County. Known for its stunning natural beauty and rich Western heritage, this vibrant community offers a unique blend of outdoor adventure and small-town charm. With its picturesque landscapes, including the iconic Black Mountain and the sprawling Sonoran Desert, Cave Creek is a haven for nature enthusiasts, hikers, and horseback riders alike.

Cave Creek boasts a lively arts scene, with local galleries and shops showcasing the talents of regional artists. The town is also famous for its eclectic dining options, where you can savor everything from Southwestern cuisine to gourmet burgers, all set against the backdrop of breathtaking desert sunsets. And let’s not forget the annual events and festivals that bring the community together, celebrating everything from music to art and culture.

For those considering making Cave Creek their home, you’ll be pleased to know that there are excellent financing options available, including homes eligible for FHA New Financing. This means that whether you're a first-time homebuyer or looking to invest in a second property, you can take advantage of the accessible financing that FHA loans provide. With lower down payment requirements and flexible credit standards, owning a piece of this beautiful desert landscape is more attainable than ever.

Discover the warmth and allure of Cave Creek, where adventure meets tranquility, and let us help you find your dream home in this enchanting community!

Newest Cave Creek Homes with FHA New Financing

$545,000
3 Beds ⋅ 2 Baths ⋅ 7082280 MLS ⋅ 1,383 SqFt.
Beautifully updated single-level 3-bedroom, 2-bath home in the highly desirable Tatum Ranch community of Cave Creek! This move-in-ready home features new flooring, fresh interior and exterior paint, and a completely refreshed kitchen with new cabinetry, quartz countertops, stainless steel appliances, and a spacious center island ideal for entertaining. Both bathrooms have been tastefully updated with modern finishes. A new HVAC system and new water heater add comfort and peace of mind. Step outside to a spacious backyard with a covered patio and plenty of room to relax, entertain, or create your own outdoor retreat. Conveniently located near shopping, dining, golf, parks, and everything Cave Creek has to offer. A beautifully updated home in a fantastic North Valley location!

5015 E Peak View Road, Cave Creek
$275,000
2 Beds ⋅ 1 Baths ⋅ 7082223 MLS ⋅ 870 SqFt.
A renovated 2-bedroom, 2-bath townhome in Cave Creek for under $300K? Your desert lifestyle starts here! Beautifully remodeled and moments from downtown Cave Creek, this gem puts you close to local restaurants, unique shopping, entertainment and lively community events. Spend your days exploring the town's Western charm, then unwind on your private patio with serene desert views. Easy-care outdoor space means less yard work and more time enjoying everything you love about Arizona living. Discover a stylish, low-maintenance Cave Creek townhome with a price that leaves room to enjoy the lifestyle.

6454 E Paso Nuevo Drive Unit 104, Cave Creek
$499,000
2 Beds ⋅ 2 Baths ⋅ 7082127 MLS ⋅ 1,558 SqFt.
Stunning ground-floor residence in The Village at Surrey Hills featuring fresh interior paint, new carpet, plantation shutters, a custom built-in office, and a garage! The open-concept interior offers stone flooring and a spacious kitchen with granite countertops, stainless steel appliances, 5-burner gas cooktop, center island, pantry, and tile backsplash. The primary suite features a custom-organized walk-in closet, dual vanities, soaking tub, and separate shower. Enjoy the paver patio with BBQ area, landscape lighting, drip irrigation, and misters. Community amenities include a heated pool, spa, outdoor kitchen, and fireplace. All this within walking distance of Downtown Cave Creek, with shopping, dining, hiking, and Rancho Mañana Golf Club nearby.

36600 N Cave Creek Road Unit A7, Cave Creek
$2,595,000
4 Beds ⋅ 5 Baths ⋅ 7082109 MLS ⋅ 4,348 SqFt.
This modern masterpiece sits on over an acre and features 4 bedrooms, 4.5 baths, and a 3-car garage + a 42'/800 sqft Luxury RV Garage w/ a circular drive and beautiful curb appeal. Built w/ exceptional quality-2x6 construction, upgraded insulation, Energy Star Low-E windows, and high-efficiency HVAC-this home delivers both luxury and performance. Exquisite floor plan (see document tabs) includes a spacious great room, wing of ensuite guest bedrooms, office, dining, spacious butler's pantry and laundry, mud room + dog wash. Enjoy luxury tile and wood flooring, solid-core doors, custom entry, dog wash, full pre-wiring for surround sound, whole-home audio, and Cat 6 network, sliding wall pocket doors to open fenced backyard - SEE RENDERINGS for optional packages for pool/spa/landscaping/guest The gourmet kitchen offers hardwood cabinetry, Sub-Zero & Wolf appliances, gas range, double ovens, built-in fridge, ice maker, kitchen island, custom countertops, walk-in pantry, and dining nook plus a separate dining room, mud room with lockers, and a dog wash station. All guest bedrooms are en-suite, Primary bedroom with it's own exit and dual custom closets, two vanities with lighted mirrors, separate shower and free standing tub. Outdoor living features generous covered patios, Belgard paver walkways, and space for an outdoor kitchen with stunning mountain views. Oversized lot has no NAOS restrictions and offers optional packages for backyard landscaping, pool/spa and a guest house. Please see attached renderings. 500 gallon buried propane tank. A rare blend of modern architecture, premium craftsmanship, and resort-style possibilities this Signature Homes luxury home truly has it all.

6615 E Dove Valley Road, Cave Creek
$1,720,000
4 Beds ⋅ 3 Baths ⋅ 7082098 MLS ⋅ 2,744 SqFt.
Experience the charm of Santa Fe style living with exceptional equestrian amenities on 1.17 acres in the heart of Cave Creek. This 4-bedroom, 3-bath home offers 2,744 sq ft of thoughtfully designed living space, blending Southwestern character with comfortable indoor-outdoor living. The property is ideally suited for horse enthusiasts, featuring a 95' x 65' arena, tack room with hay storage, corrals, stall, and direct trail access, creating a well-appointed horse property ready for both everyday use and enjoying the surrounding trails. The home's distinctive character begins with the spacious great room, showcasing exposed wood beams and columns, a gas fireplace, and a warm Santa Fe-inspired design. The eat-in kitchen offers a breakfast bar and an inviting layout that makes entertaining family and friends easy. With two master bedrooms, the floor plan provides flexibility for guests, multigenerational living, or a private retreat. Step outside and take in the expansive equestrian setting from the infinity-edge pool, positioned to overlook the horse facilities and create a unique connection between the home and property. An RV gate and dedicated RV parking add convenience, while the 3-car garage provides ample room for vehicles and storage. With its combination of Santa Fe character, equestrian amenities, trail access, pool, and acreage, this Cave Creek property offers a distinctive opportunity to enjoy the best of Arizona living.

27021 N 44th Street, Cave Creek
$850,000
4 Beds ⋅ 2 Baths ⋅ 7082088 MLS ⋅ 2,478 SqFt.
Welcome to this beautifully maintained 4-bedroom, 2-bath single-level home with vaulted ceilings, abundant natural light, and a backyard designed for Arizona living. Many of the big-ticket items have already been taken care of, including a NEW ROOF in 2026, OWNED OUTRIGHT SOLAR, a newer A/C unit and water heater, updated bathrooms, fresh interior and exterior paint, plus a new pool pump and motor. Historically, the owned solar system has helped keep average monthly energy costs around $130. Inside, the desirable split floor plan offers comfortable everyday living, with versatile common areas that provide plenty of space to gather and entertain. Step outside to a private backyard with a PebbleTec pool, sport court, BBQ, and mature citrus trees, perfect for entertaining in Arizona's climate. With many of the major improvements already completed, this 2,478 square foot home on an oversized 9,083 square foot lot is ready to enjoy from day one, while still offering the opportunity to add your own personal touches over time. Custom closet systems in the primary suite, laundry room and one secondary bedroom provide excellent storage and organization. Conveniently located near shopping, dining and everyday amenities, with nearby hiking and biking trails providing easy access to the outdoors. Looking for golf? Connect with Tatum Ranch Golf Club to explore available third-party membership opportunities.

29221 N 46th Street, Cave Creek
$825,000
4 Beds ⋅ 3 Baths ⋅ 7080895 MLS ⋅ 3,099 SqFt.
Gated Community. 4 bed + Loft. Mountain Views. 3 car garage. EV charger. No neighbor behind. Private Pool. Beautifully maintained and thoughtfully updated two-story home in the gated Diamond Creek community of Cave Creek. This spacious home features 4 bedrooms plus an oversized loft, 2.5 updated bathrooms, a 3-car garage with EV charger, and a private backyard with no neighbors directly behind Step inside to formal living and dining spaces with wood flooring that flows into the open-concept family room, where a two-sided fireplace also serves the adjoining breakfast area. The updated kitchen features quartz countertops, two-tone cabinetry, built-in microwave and an island. A conveniently located downstairs laundry room includes a newer washer and dryer and a generous pantry space. Upstairs, the spacious primary suite offers a large ensuite bath with dual sinks, soaking tub, walk-in shower, and an impressive walk-in closet. Outside, enjoy your own resort-style backyard with a private pool, newer pool pump and filter, custom lighting, large covered patio, and built-in Blackstone grill. Ideally located near Desert Ridge shopping, dining, entertainment, and convenient freeway access, this home offers space, privacy, and plenty of room to enjoy the Arizona lifestyle.

27423 N 47th Street, Cave Creek
$1,595,000
3 Beds ⋅ 3 Baths ⋅ 7080614 MLS ⋅ 2,857 SqFt.
Set on just over an acre in the Town of Cave Creek, this distinctive single-level residence combines sweeping mountain and desert views, privacy, and an exceptional in-town location with no HOA. The setting feels removed and scenic, yet Rancho Mañana Golf Club and Tonto Bar & Grill are close enough to walk to, placing some of Cave Creek's best-known amenities just minutes from the front door. Inside, the 2,857-square-foot home offers three bedrooms, 2.5 baths, vaulted ceilings, travertine flooring, and a dramatic stacked-stone fireplace anchoring the main living area. Large windows and glass doors draw the surrounding scenery into the home, with mountain views creating a striking backdrop throughout the primary living spaces. The kitchen features rich cabinetry, granite surfaces, stainles appliances, a center island, and an impressive built-in bar and wine storage area designed for entertaining. The primary suite continues the home's warm desert character with a spacious bath featuring dual vanities, a soaking tub, steam shower, and extensive stone finishes. Outside, an expansive covered patio opens to a Pebble Tec pool and elevated spa, built-in barbecue, multiple gathering areas, mature desert landscaping, and wide-open views across the surrounding mountains and Sonoran Desert. A one-of-a-kind Western saloon display, wagon, and custom sculptural elements add personality that feels distinctly Cave Creek. With no HOA, generous land, dramatic scenery, and walkable access to Rancho Mañana Golf Club and Tonto Bar & Grill, this property offers a rare combination of privacy, character, and proximity to the heart of Cave Creek.

5715 E Rancho Manana Boulevard, Cave Creek
$925,000
5 Beds ⋅ 4 Baths ⋅ 7079950 MLS ⋅ 3,489 SqFt.
4 CAR GARAGE, NEW ROOF, NEW TRANE HVACs! Updated and move-in ready. Rare opportunity in the gated Desert Wind community. Premium cul-de-sac lot with only one neighbor, this home offers true privacy with mountain and desert views. Peaceful backyard with a pebble-finish diving pool with Baja deck, built-in gas BBQ griddle, full-length covered patio, mature landscaping and turf. Inside, vaulted ceilings and expansive windows fill the home with light. The spacious eat-in kitchen features quartz counters, island seating, refinished cabinetry and pantries. Spacious primary suite with sitting area, private deck with views and two walk-in closets. Guest room downstairs and 3 bedrooms upstairs including one with its own private bathroom. Minutes from downtown Cave Creek and Carefree.

5350 E Calle De Baca --, Cave Creek
$1,185,000
3 Beds ⋅ 4 Baths ⋅ 7079485 MLS ⋅ 3,159 SqFt.
This gorgeous, rare, 4-Car Garage home is tucked away on a private cul-de-sac within the prestigious gated enclave of Cachet at Peak View. Why wait for a NEW BUILD? Lived in part time & like BRAND NEW. This exceptional 2023-built residence offers a refined blend of modern luxury, thoughtful design, and turnkey convenience. The preferred split floor plan showcases extensive designer upgrades, lush front & rear landscaping, and elegant plantation shutters creating a polished and completely move-in ready experience. At the heart of the home, the Chef's Kitchen is a true showpiece, featuring two oversized islands, a generous breakfast bar, quartz countertops, a striking tiled backsplash, and premium stainless steel appliances including a gas cooktop. A spacious walk-in pantry completes this highly functional and beautifully appointed space, ideal for both everyday living and elevated entertaining. The expansive Great Room offers seamless indoor & outdoor flow with an open, airy ambience that is perfect for gathering with family and guests. A private, oversized Den with French doors provides a sophisticated flex space for a home office, media room, or library. The Primary Suite is a serene retreat, complete with a sitting area, private exterior access, and a spa-inspired bath featuring dual vanities, an oversized walk-in tiled shower, and an impressive walk-in closet. A supersized Laundry Room adds convenience & functionality. Step outside to a thoughtfully designed Backyard Oasis where a covered patio & Built-in BBQ set the stage for effortless Arizona living. The naval orange and lemon trees are a Bonus! Immaculate in presentation and rich in upgrades, this residence delivers the perfect balance of luxury, comfort, and lifestyle in one of the area's most desirable gated communities.

4237 E Hunter Court, Cave Creek
$1,050,000
4 Beds ⋅ 3 Baths ⋅ 7078693 MLS ⋅ 2,679 SqFt.
A private desert retreat with room to dream. Set on an acre in Cave Creek, this distinctive Santa Fe-style custom home pairs the warmth and character of Southwest architecture with thoughtful updates and an expansive outdoor setting. The home features four bedrooms and two-and-a-half baths. One bedroom, currently used as an art studio, offers a private entrance and patio, giving you the flexibility to enjoy it as a creative space or bedroom to suit your needs. The layout offers room for gathering, working from home, creative pursuits, and quiet time of your own. Positioned toward the front of the lot, the home makes the most of its setting, leaving a remarkably spacious, fully walled backyard. Relax beneath the covered patio, cool off in the sparkling pool with a waterfall, or spend an evening enjoying the desert surroundings. An outdoor half bath with A/C and heat is close by for convenient pool and patio access. Beyond the pool and patio, the yard opens up with plenty of usable space to bring your ideas to life. The property is also accessible via a utility road on the west, offering potential for a future gate to accommodate a horse trailer or SUV. Imagine a future guest house, a larger garage, a workshop, or an outdoor space designed around your interests. Whatever your vision, there is room to explore the possibilities while enjoying everything already here. The home's personality continues inside, where soaring ceilings and a cozy fireplace create an inviting backdrop for everyday living. Distinctive architectural details include stained concrete floors with slate inserts and rounded walls in the main hallway. Solar tubes bring in natural light, and the kitchen combines warm wood cabinetry and crown molding with solid-surface counters, stainless steel appliances, and a walk-in pantry. The primary suite offers tray ceilings and its own connection to the outdoors, along with a walk-in closet and an updated walk-in shower. Careful maintenance and meaningful improvements add to the appeal, including a 2023 foam roof, 2026 tile roof underlayment, A/C and air exchanger replacements in 2023 and 2025, and a 2025 pool pump. Attractive landscaping and a side-entry two-car garage complete the welcoming arrival. With a tucked-away feel, this property offers the privacy and breathing room that make desert living so special, while keeping everyday conveniences within reach. Downtown Cave Creek is approximately 10 minutes away, and Desert Ridge is approximately 15 minutes away. Southwest style, flexible living space, and an acre of possibility come together in a setting that feels like your own escape.

32006 N 44th Place, Cave Creek
$695,000
4 Beds ⋅ 3 Baths ⋅ 7078227 MLS ⋅ 2,132 SqFt.
Nestled in the gated community of Dove Valley Ranch, this bright and inviting home offers beautiful mountain, golf course, and desert views. Soaring ceilings and abundant natural light create an open, airy feel throughout. The modern kitchen features quartz countertops, stainless steel appliances, a farmhouse sink, pot filler, and walk-in pantry. The spacious primary suite features vaulted ceilings, a soaking tub, and walk-in shower. Also included are three guest bedrooms, including one downstairs. Enjoy a PebbleTec pool, heated spa, water feature, and view fencing. Additional features include an extended 2-car garage with built-in storage, Nest thermostats, SimpliSafe security system, and recently serviced HVAC and roof. Close to golf, shopping, dining, and grocery stores.

4465 E Coyote Wash Drive, Cave Creek
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