# 4678 N BEAR FLAT Road, Payson, AZ 85541

> **TL;DR:** 6bd/4ba single family, $1,750,000 ($400/sqft), built 2001, 4,378 sqft.
> Waterfront, A/C. Est. $9,559/mo. Listed 250 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $1,750,000 |
| Price/sqft | $400 |
| Bedrooms | 6 |
| Bathrooms | 4 full |
| Square Feet | 4,378 |
| Year Built | 2001 |
| Lot Size | 75,359 sqft (1.73 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 250 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $8,849 |
| Estimated Insurance | $510 |
| HOA | $200 |
| **Total** | **$9,559** |

## Nearby Schools

- **Elementary:** Payson Elementary School
- **Middle:** Rim Country Middle School
- **High:** Payson High School

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 2001
- 1.73 acre lot
- 2 stories
- Waterfront

## Description

### Agent Description
OFF THE GRID in Bear Flat. The last 3 miles is not for sissies, but the reward is a gated community in the National Forest with Tonto Creek flowing through. 90 feet up from the water's edge is The Retreat on Tonto Creek. This magnificent mountain home has deck and views galore. Wild game everywhere. Redundant systems - APS electric, solar on the steel roof and a thousand-gallon propane tank to run the generator. City water, plus a well and a community water tank. Fire truck just across the road. WiFi. You are fully self-contained. Big island and dining for 8. Huge family room with double fireplace to large game room with full bar. Write that novel in the sky office off the spacious primary bedroom. Everything stays, including the golf cart and a year's supply of survival food.

## Location

- **Address:** 4678 N BEAR FLAT Road, Payson, AZ 85541
- **County:** Gila
- **Neighborhood:** BEAR FLAT SUBDIVISION
- **Coordinates:** 34.288142, -111.067468
- **Google Maps:** https://www.google.com/maps?q=34.288142,-111.067468

## Listing Agent

- **Name:** Joseph Callaway
- **Brokerage:** eXp Realty
- **Phone:** (888) 897-7821
- **Broker Phone:** (888) 897-7821
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4678-N-Bear-Flat-Rd_Payson_AZ_85541_M29358-40590?f=listhub&s=ARMLSAZ&m=6965924&c=propsimple)

## Photos

![4678 N BEAR FLAT Road - Photo 1](http://lh.rdcpix.com/47e9b7b8cd48eb64f2836ab5efaaf37al-f2525168441r.jpg)

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---

**MLS#:** 6965924 | **Updated:** 2026-09-15
**Source:** listhub

*Copyright © 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/4678-n-bear-flat-road-payson-az-85541-6965924)

---

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  "name": "4678 N BEAR FLAT Road, Payson, AZ 85541",
  "description": "OFF THE GRID in Bear Flat. The last 3 miles is not for sissies, but the reward is a gated community in the National Forest with Tonto Creek flowing through. 90 feet up from the water's edge is The Retreat on Tonto Creek. This magnificent mountain home has deck and views galore. Wild game everywhere. Redundant systems - APS electric, solar on the steel roof and a thousand-gallon propane tank to run the generator. City water, plus a well and a community water tank. Fire truck just across the road. WiFi. You are fully self-contained. Big island and dining for 8. Huge family room with double fireplace to large game room with full bar. Write that novel in the sky office off the spacious primary bedroom. Everything stays, including the golf cart and a year's supply of survival food.",
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