Surprise Homes with Conventional New Financing

Welcome to Surprise, Arizona – a hidden gem nestled in Maricopa County that perfectly blends small-town charm with big-city amenities. Known for its warm climate, vibrant community, and abundant recreational opportunities, Surprise is an ideal place for families, retirees, and everyone in between to call home.

Surprise boasts a rich tapestry of parks, golf courses, and outdoor spaces, making it a haven for nature lovers and sports enthusiasts alike. The city is home to the Surprise Stadium, where you can catch exciting spring training games, as well as numerous trails for hiking and biking. With a variety of shopping, dining, and entertainment options, residents enjoy a lifestyle that balances relaxation and activity.

When it comes to real estate, Surprise offers a diverse range of homes that cater to every taste and budget. Whether you’re searching for a cozy single-family home or a spacious modern residence, you’ll find it here. Many properties are available with conventional financing options, making it easier than ever to secure your dream home in this thriving community. With competitive prices and a variety of financing opportunities, purchasing a home in Surprise is not just a dream, but a reachable reality.

Experience the warmth and hospitality of Surprise, where community spirit shines bright. With its beautiful landscapes, friendly neighborhoods, and convenient access to the greater Phoenix area, this city is truly a place where you can thrive. Explore the possibilities and discover why so many are choosing to make Surprise their home sweet home!

Newest Surprise Homes with Conventional New Financing

$349,000

2 Beds ⋅ 2 Baths ⋅ 7103117 MLS ⋅ 1,627 SqFt.

New Roof in Dec 2025! Fully Furnished Home, Move in Ready! Popular Madera Model! This beautiful home provides 2 beds + den, 2 baths, desert landscape, great curb appeal w/stone accent details, and a 2-car garage w/cabinetry. The inviting interior showcases tons of natural light, a designer palette, and carpet & tile flooring in all the right places. You'll love the seamlessly flowing living & dining room, perfect for everyday living and entertaining! The impressive kitchen boasts built-in appliances, ample wood cabinetry, a pantry, recessed lighting, a 2-tier peninsula, and a cozy breakfast nook. Enter the main bedroom to find a bay window and an ensuite with dual sinks & a walk-in closet. Out back, you have an extended covered patio to relax & enjoy a BBQ. Sun City Grand features an active lifestyle with resort-style amenities, including championship golf courses, pools & spas, fitness centers, pickleball and tennis courts, walking trails, dog parks, and numerous social clubs & recreational activities. Don't miss this opportunity!

16527 W Blackhawk Court, Surprise

$594,805

5 Beds ⋅ 3 Baths ⋅ 7103107 MLS ⋅ 2,530 SqFt.

A Showstopper Single-Level Home! The Bailey floorplan impresses with its smart, spacious design. This stunning single-level home features 5 bedrooms, each with its own walk-in closet, providing ample storage and personal space. A 3-car garage adds both convenience and functionality, making the Bailey a perfect blend of comfort and curb appeal. This home offers a Spa Shower in primary bathroom, GOURMET kitchen with a cooktop and separate wall oven, dark slate cabinetry, quartz kitchen counter, tile backsplash, wood-like tile floor, carpet in bedrooms! INCLUDED - washer, dryer, window blinds, refrigerator and MORE! Residents enjoy EXCLUSIVE resort-style amenities. Shopping, restaurants, entertainment nearby.

15951 W Honeysuckle Drive, Surprise

$749,000

2 Beds ⋅ 3 Baths ⋅ 7103099 MLS ⋅ 2,462 SqFt.

Discover the comfort of 55+ living in Sterling Grove with this beautifully upgraded Toll Brothers Cranston home, ideally situated alongside a park with no rear neighbors. Offering approximately 2,462 sq. ft. of single-level living, this home features a screened patio overlooking peaceful park views, creating a relaxing outdoor retreat with added privacy. The inviting open floor plan includes a spacious great room and a stylish kitchen with quartz countertops, a center island, stainless steel appliances, and a walk-in pantry. The expanded primary suite incorporates the original den, creating a generous private retreat with a customized California Closets organization system. Additional improvements include skylights, upgraded kitchen lighting, window treatments, updated interior paint, and The air-conditioned garage offers finished flooring and abundant shelving for extra storage. Additional features include a water softener, reverse osmosis drinking-water system, gutters, and a decorative waterfall that adds charm to the outdoor space. Enjoy the amenities and active lifestyle of Sterling Grove while appreciating this home's thoughtful upgrades, comfortable design, and peaceful park-side setting. Be sure to view the virtual tour to see everything this exceptional home has to offer!

17621 W Middlebury Street, Surprise

$178,000

7103086 MLS

Build your Arizona dream surrounded by breathtaking mountain views and the natural beauty of the Sonoran Desert! Discover the possibilities of this spacious 43,792 sq ft (approximately 1-acre) vacant lot in North Surprise, offering wide-open skies, stunning desert landscapes, and peaceful surroundings. Whether you envision a custom-built home, private desert retreat, or space to enjoy Arizona's spectacular sunsets, this property offers an incredible opportunity to bring your vision to life. A shared well and electricity near the property line provide a head start on future development. Accessible by dirt road, this expansive parcel offers room to spread out and enjoy the beauty of desert living away from the bustle of the city. Experience the tranquility of wide-open spaces and panoramic mountain views while remaining within reach of Surprise amenities. Come explore the possibilities and imagine the lifestyle you could create!

00000 N 155th Avenue, Surprise

$450,000

3 Beds ⋅ 3 Baths ⋅ 7103054 MLS ⋅ 2,255 SqFt.

Welcome to this highly upgraded 3 bedroom, 2.5 bath Surprise Farms home with a pool and above ground spa! The open layout features tile floors, high ceilings, and an eat in kitchen with granite counters, stainless appliances, walk in pantry, and pullout lower cabinets. Upstairs, a spacious loft offers balcony access, while the primary suite boasts a soaking tub, separate shower, and walk in closet. The luxurious backyard features privacy hedges, a covered patio, a natural gas BBQ hookup, and a heated pool for winter swims. Backing to a common area with no immediate rear neighbors, this retreat is ideal for entertaining. Additional upgrades include PVC irrigation, an energy efficient Pentair pool pump, and recent exterior paint. You wont want to miss this well maintained home!

16332 N 168th Drive, Surprise

$969,000

5 Beds ⋅ 3 Baths ⋅ 7103009 MLS ⋅ 2,832 SqFt.

Experience modern living with a California-inspired contemporary design and relaxed coastal feel in this beautifully appointed 4-bedroom, 2-bath home offering approximately 2,400 sq. ft. of living space, situated on over a full acre with paved road access. Adding exceptional versatility and value is a detached 432 sq. ft. casita featuring 1 bedroom, 1 bathroom, and a kitchenette--ideal for guests, multigenerational living, a private home office, or extended stays. Paver patio area connected to front entry, more livable area. An RV garage adds even more functionality and storage options. Step inside through a striking modern iron entry door into a welcoming formal foyer featuring designer sconce lighting, elegant wainscoting, and marble-look and wood-plank tile flooring. The thoughtfully designed interior showcases upgraded finishes, modern architectural details, and an inviting open-concept layout. The chef-inspired kitchen is the heart of the home, featuring custom designer cabinetry, quartz countertops and backsplash, LED cabinet lighting, roll-out shelving, oversized pot-and-pan drawers, a dedicated waste cabinet, and glass-front stacked cabinets. A spacious walk-in pantry and Frigidaire Gallery appliances complete this beautifully appointed kitchen, offering exceptional storage and functionality. The expansive great room features soaring 12-foot ceilings with decorative beams, creating an open and airy atmosphere. An entertainer's bar, custom entertainment wall with six oversized display cubbies and cabinetry. Large windows and an impressive 16-foot patio door flood the living space with natural light while providing seamless access to the outdoor living area. The thoughtfully designed floor plan includes a convenient garage-entry drop zone and mudroom bench, plus a laundry room with direct access to the primary suite. The spacious primary retreat features a beautifully appointed bathroom with dual vanities, decorative marble accent wall, and an oversized walk-in shower complete with a 24-inch bench and concealed toiletry storage. Additional interior upgrades include smooth-finish drywall, LED lighting throughout, 8-foot solid-core shaker interior doors, modern black hardware, soft-close cabinetry, designer tile flooring, and upgraded finishes throughout. Energy-conscious construction features include 2x6 framing, fully sheathed exterior walls, spray foam insulation throughout, including the garage, Low-E vinyl windows, and a Lennox split-system heating and cooling system. The insulated modern steel garage door adds another thoughtful upgrade. Water system improvements include a shared well with a new well pump, new high-pressure pump, and buried underground storage tank designed to help keep stored water cooler during the hot summer months. With its combination of modern contemporary architecture, upscale finishes, acreage, RV garage, private outdoor space, and detached casita, this property offers a rare blend of style, flexibility, and functionality. Whether you're looking for room to spread out, space for guests or extended family, or a beautifully upgraded home with versatile living options, this one is a must-see!

31317 N 168th Avenue, Surprise

$369,500

3 Beds ⋅ 3 Baths ⋅ 7102981 MLS ⋅ 2,284 SqFt.

Welcome to luxury living in this 3 bed, 2.5 bath, 2284sf, newly built (2019) Home w/ Office & Loft, in the Estates at Sycamore Farms!Beautiful wood & carpet flooring, recessed lighting, quartz counters, custom paint & abundance of natural lighting, continue throughout the entire home.Enter into the bright & open floor plan featuring the spacious living room, dining area & large eat-in gourmet kitchen w/ stainless steel appliances, pantry,large functional island, and lots of storage! Glide into the private home office, before heading upstairs to the large loft. The Master suite includes a spa-like shower & separate tub, double sinks, private toilet room & walk-in-closet - The comforts extend to the other 2 guest bedrooms & bathrooms. Indoor laundry, plenty of storage.

16624 W Jenan Drive, Surprise

$349,900

2 Beds ⋅ 2 Baths ⋅ 7102978 MLS ⋅ 1,708 SqFt.

This two-bedroom, two-bathroom home offers approximately 1,708 square feet of living space within a guard-gated community. The kitchen features an island, water softener, and reverse osmosis system. Inside laundry includes a sink for added convenience. The great room includes built-in bookcases. The extended back yard covered patio includes a built-in barbecue and a portable spa, providing an outdoor living area. The community offers a range of amenities, including golf, tennis, pickleball, and a workout facility.

17675 W Loback Drive, Surprise

$145,000

1 Beds ⋅ 1 Baths ⋅ 7102973 MLS ⋅ 634 SqFt.

This adorable apartment in the 55+guard-gated Community of Sun Village is the one! With 1 bedroom and 1 bathroom and newer windows, this gem offers easy, low-maintenance living. The oversized south facing front porch is just the beginning, perfect for relaxing after a busy day. The inviting interior showcases a warm neutral palette, layered crown molding, and tile & wood look flooring in all the right places. Featuring a fireplace as the focal point, the desirable great room exudes warmth and charm. The kitchen boasts newer built in appliances, a pantry, tile backsplash, track lighting, and a peninsula. The perfectly sized bedroom includes soft carpet, a bay window, and direct access to the bathroom, new shower, and plenty of built-ins for storage. You won't want to miss this one! Sun Village is a security guard, gated 55+ community located in Surprise, Arizona. This charming community features just under 1,400 homes and condominiums and offers a wide variety of recreational amenities. Residents can enjoy an 18-hole, par-3 walking golf course, heated swimming pool and spa, tennis, pickleball and shuffleboard courts, horseshoe pits, an exercise room, billiards room, sewing and craft room, and a spacious ballroom featuring national and international entertainment. Secure RV storage is also available for an additional fee. Nearby, you'll find Surprise Stadium, the spring training home of the Texas Rangers and Kansas City Royals, as well as a 25-court tennis complex that hosts national and international tournaments. A regional library, park, and fishing lake are also located close by, making Sun Village a wonderful place to enjoy an active Arizona lifestyle.

14300 W Bell Road Unit 493, Surprise

$174,900

1 Beds ⋅ 2 Baths ⋅ 7102921 MLS ⋅ 650 SqFt.

UNDER $175K! | FURNISHED PARK MODEL + AZ ROOM | GOLF CART INCLUDED | DEEDED LAND! Looking for an affordable Arizona getaway without the hassle of starting from scratch? Lot #007 has the features buyers are looking for! This charming park model with an Arizona room is being offered fully furnished -- and yes, even the golf cart is included! Move-in ready and packed with value, this property makes it easy to start enjoying the Arizona lifestyle you've been dreaming about at an affordable price. Welcome to Happy Trails RV Resort, a guarded 55+ active adult community in Surprise, Arizona, where you OWN THE LAND! Enjoy low HOA dues, multiple pools/spas, pickleball, tennis, and a vibrant social scene filled with opportunities to connect, stay active, and make new friends. Whether you're searching for a seasonal winter retreat, a full-time Arizona residence, or a potential rental investment (subject to community rental restrictions), this property offers an affordable opportunity to enjoy resort-style living. Conveniently located near shopping, dining, golf, sporting venues, and medical services, Happy Trails offers the perfect combination of convenience, community, and Arizona sunshine. More than a home -- it's a lifestyle! And at under $175K, this one deserves a closer look!

17200 W Bell Road Unit 7, Surprise

$449,900

4 Beds ⋅ 3 Baths ⋅ 7102846 MLS ⋅ 2,178 SqFt.

This is it! Make yourself at home in this fabulous 4-bedroom residence nestled on a desirable corner lot--one of the only two story homeson the block! Discover a large & bright open floor plan offering an excellent flow for gatherings and everyday living. The kitchen comes with abundantcabinetry, stainless steel appliances, and a center island with a breakfast bar. A powder room is on the main level for convenience. Upstairs, a sizable loft isideal for an additional living area, office, or playroom. Impeccable primary bedroom is complete with a private bathroom and a walk-in closet. Outside, the spacious backyard features a covered patio and plenty of room to bring your outdoor vision to life, including the possibility of adding a future pool.

18587 W Williams Road, Surprise

$525,000

5 Beds ⋅ 4 Baths ⋅ 7102845 MLS ⋅ 3,121 SqFt.

Welcome home to the largest 2-story residence in the Desert Oasis Community! Featuring 4 beds, 3 baths + powder room, and a 2-car garage. Inside, you'll find wood-look floors, soft carpet in the right places, and an inviting open floor plan. The kitchen boasts recessed lights, wood cabinets, granite counters, tile backsplash, SS appliances, and an island w/breakfast bar. A formal dining area provides additional space for gatherings. A versatile open den and upstairs loft can be a home office or flex areas. The sizable primary bedroom includes a private bath w/dual sinks, tile shower, and a walk-in closet. A secondary bedroom also offers a walk-in closet. Your backyard is complete with a paver-covered patio, grassy lawn, and ample space to create your private retreat! Don't miss this gem

17546 W Straight Arrow Lane, 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.

Surprise Homes with Conventional New Financing

Newest Surprise Homes with Conventional New Financing

How much is your home worth?

How much is your home worth?