404 S Ponderosa Street This beautiful yet affordable home is right in the center of town, quiet yet close to everything. Consists of a main home and a small apartment with a separate entrance. The main home has 2 master bedrooms with ensuites, and a half bath on the main level for guests. The kitchen has custom paint and cabinets, upgraded GE slate appliances, and a free-standing center island that remains with the house. Create your own split floor plan home with room for everyone, or own an investment property here in the cool Payson area. Here are a few ''extras'' we want to make sure you know about: New upper roof Fall '25 (all except the little piece over the front porch), fully fenced large side yard, trex decking, newer laminate flooring, energy efficient, paved parking, RV hookup and Storage. Walk-out basement in the back is a small apartment with 1 bedroom, a second room that consists of a kitchenette/living room combo, and a spacious bathroom. It currently has a tenant making good money. It could become an adult child's or grandparents's living quarters, a guest apartment, or an income unit. Includes: Two-door 10 cu ft fridge Microwave Toaster oven Full-size sink with disposal Flip-up countertop extension Under-cabinet dimmable lighting Large pantry Range hood with ducted exhaust fan Induction cooktop can be put away in pantry or used on the patio with an ext cord Ceiling fans in bedroom and kitchen/living room 43'' smart TV Flip-up coffee table Kitchen/livingroom has hard flooring, bedroom has new carpet. Unit is bermed up (half under ground) and so needs less heating/cooling Window a/c and in-wall heaters Full-sized bathroom with roomy shower and built-in linen closet North-facing pavers patio with pavers, table, chairs, umbrella, and 3-string patio lights, is shrubbery - secluded.