806 N PONDEROSA Circle Seller offering up to 2% toward buyer closing costs, prepaid items, and/or interest-rate buy-down with acceptable offer. In-ready cottage is the perfect place to escape the desert heat while enjoying cooler temperatures, fresh mountain air, and the relaxed lifestyle that makes Payson so desirable. Inside, you'll find thoughtful updates throughout, including remodeled kitchen cabinetry, countertops, appliances, updated flooring, newer windows and window coverings, fresh interior finishes, and a beautifully renovated bathroom. Energy-efficient mini-split heating and cooling systems provide year-round comfort, making the home ideal for every season. Step outside to a spacious lot with room to relax, entertain, or simply enjoy the peaceful mountain setting. Conveniently located near shopping, local restaurants, hiking and biking trails, fishing lakes, golf, and outdoor recreation, you'll also appreciate the close proximity to Banner Payson Medical Center. Whether you're searching for your first home, full-time residence, weekend cabin, vacation getaway, furnished rental, seasonal retreat, or long-term investment, this property offers exceptional versatility in one of Arizona's favorite mountain communities. Move-in ready. No HOA. Updated throughout. Just bring your furniture and start enjoying the Payson lifestyle.