Florence Homes with FHA New Financing

Florence Homes with FHA New Financing

Welcome to Florence, Arizona—a charming town nestled in the heart of Pinal County that beautifully blends rich history with modern living. Known for its picturesque landscapes and friendly community, Florence offers a unique lifestyle that attracts families, retirees, and everyone in between. With its warm desert climate, residents enjoy over 300 days of sunshine a year, making it an ideal destination for outdoor enthusiasts.

Florence is steeped in history, boasting a vibrant downtown area with historic buildings that tell the story of its founding in the late 1800s. From local shops and art galleries to delightful eateries, there’s always something to explore. Nature lovers will appreciate the nearby parks and hiking trails, while the Gila River provides opportunities for fishing and kayaking.

For those considering a move to Florence, the real estate market is thriving, with homes available for FHA financing. This means that first-time homebuyers and those looking to refinance can take advantage of lower down payment options and more accessible lending criteria. Whether you’re searching for a cozy single-family home or a spacious residence with stunning mountain views, Florence has a diverse array of properties to meet your needs.

With its welcoming atmosphere and affordable housing options, Florence is not just a place to live; it’s a place to thrive. Discover your dream home in this enchanting town and become part of a community that feels like family. Experience the best of Arizona living in Florence!

Newest Florence Homes with FHA New Financing

$239,800
3 Beds ⋅ 2 Baths ⋅ 7079757 MLS ⋅ 1,152 SqFt.
Beautiful 3bd, 2 bath, with golf cart shed. Comfortable layout, with upgrades. Upgraded flooring with no carpet. Large, covered patio with workshop

3601 N Montana Avenue, Florence
$497,700
2 Beds ⋅ 3 Baths ⋅ 7079508 MLS ⋅ 2,530 SqFt.
**LOW RATE-ASSUMABLE LOAN! THE BEST PLACE TO LIVE! Your JOURNEY into this ACTIVE ADULT LIFESTYLE begins w/the inviting gated courtyard as you enter this remarkable, upgraded Journey, priced to sell! Designer finishes such as beautiful, tiled flooring, built-in entertainment center, center sliding patio doors leading to a covered patio, SPA & oversized/enclosed yard! The open layout showcases the Chef's kitchen w/large center island (great for gatherings) granite counters, tiled b/sp, staggered cabinetry w/dbl pull-out shelves, soft-close drawers, gas cooktop/stainless appliances ++ walk-in Pantry! Primary suite features desired, tiled walk-in shower, dual vanities w/granite, walk-in closet. Private guest qtrs & flex/den space complete this MOVE-IN ready home! 2' Ext 2 car & CART garages!!

7848 W Willow Way, Florence
$340,000
3 Beds ⋅ 2 Baths ⋅ 7079499 MLS ⋅ 1,793 SqFt.
''PUTTING ON THE RITZ'' This 3 Bdrm/2 Bath Beauty is LIKE NEW & Blossoming w/ Recent RENOVATIONS! The Spacious Split Floorplan Reflects NEWER PAINT, NEWER FLOORING NEWER Upgraded PLUMBING & LIGHTING Fixtures, Even the Entertaining, Island Kitchen Glistens w/ NEWER COUNTERTOPS & APPLIANCES! All of This & Located on 1.25 Acre, Fully Fenced, Sonoran Desert, Low Maintenance Lot & It Is Move-In Ready, The Exterior of This Loved Home is Dressed w/ Freshly Painted Exterior, NEW HVAC, NEW ROOF & A NEW 2 CAR CARPORT! The Spacious Coop & Utility Shed Will Keep The Chicks & Husband Happy! All While The Wooden Decks Offer Your Chance to Enjoy The Stunning Mountainous Views Beautiful Sunsets & Sunrises! The Opportunities Are Endless w/ This Home That Is Close To Town, Yet has NO HOA & PAVED STREETS!

15035 N Dogwood Road, Florence
$379,990
4 Beds ⋅ 3 Baths ⋅ 7079169 MLS ⋅ 2,055 SqFt.
BRAND NEW | Home Ready Now | 3 Car Tandem Garage | Double Gate | Introducing, the Saguaro. Talk about Stunning! From the plethora of bedrooms & bathrooms to the GORGEOUS open concept kitchen/great room, there is not much more that a home can offer. Interior finishes include granite kitchen & bathroom counter tops, espresso cabinets, & tile flooring throughout, except the bedrooms. Smart home technology is included along with a 14-seer HVAC and energy saving features like spray foam insulation. Also, this home includes stainless steel appliances, 220v pre-wire in the garage, 2'' window blinds, garage door opener, rain gutters, plus front yard desert landscape. Come see this home in the desert's most sought after hidden gem, Magma Ranch Vistas!

12294 E Lupine Lane, Florence
$420,000
5 Beds ⋅ 5 Baths ⋅ 7078730 MLS ⋅ 3,131 SqFt.
Beautiful NEW Home in in the highly desirable San Tan Valley area, close to major cities. January 2027 Close . Overlooking scenic desert views. Featuring countless upgrades such as 9' ceilings, Shaw Ceramic Tile Floors, Granite countertops in the kitchen. Whirlpool Stainless steel appliances and white cabinetry. Energy-efficient features throughout, Wi-Fi & programmable thermostat, and electric range. Spacious walk-in closet in owner's suite! Front yard landscaping with irrigation included and generous covered patio in the backyard. Minutes from hiking trails and scenic mountain views! Fantastic amenities such as a kids pool, splash pad, fitness loop, clubhouse, fitness studio, industrial kitchen, outdoor patio with fire pits and grill & Multi-purpose room! Located near Queen Creek, highly rated schools, shopping, dining and aquatic center! Surrounded by open Sonoran Desert habitat, Florence is a western gem!

12910 E Verbina Lane, Florence
$299,000
3 Beds ⋅ 2 Baths ⋅ 7078703 MLS ⋅ 1,177 SqFt.
Beautiful NEW Home in in the highly desirable San Tan Valley area, close to major cities. January 2027 Close . Overlooking scenic desert views. Featuring countless upgrades such as 9' ceilings, Shaw Ceramic Tile Floors, Granite countertops in the kitchen. Whirlpool Stainless steel appliances and white cabinetry. Energy-efficient features throughout, Wi-Fi & programmable thermostat, and electric range. Spacious walk-in closet in owner's suite! Front yard landscaping with irrigation included and generous covered patio in the backyard. Minutes from hiking trails and scenic mountain views! Fantastic amenities such as a kids pool, splash pad, fitness loop, clubhouse, fitness studio, industrial kitchen, outdoor patio with fire pits and grill & Multi-purpose room! Located near Queen Creek, highl rated schools, shopping, dining and aquatic center! Surrounded by open Sonoran Desert habitat, Florence is a western gem!

12950 E Verbina Lane, Florence
$311,000
3 Beds ⋅ 2 Baths ⋅ 7078684 MLS ⋅ 1,177 SqFt.
Beautiful NEW Home in in the highly desirable San Tan Valley area, close to major cities. December Close . Overlooking scenic desert views. Featuring countless upgrades such as 9' ceilings, Shaw Ceramic Tile Floors, Granite countertops in the kitchen. Whirlpool Stainless steel appliances and white cabinetry. Energy-efficient features throughout, Wi-Fi & programmable thermostat, and electric range. Spacious walk-in closet in owner's suite! Front yard landscaping with irrigation included and generous covered patio in the backyard. Minutes from hiking trails and scenic mountain views! Fantastic amenities such as a kids pool, splash pad, fitness loop, clubhouse, fitness studio, industrial kitchen, outdoor patio with fire pits and grill & Multi-purpose room! Located near Queen Creek, highly rated schools, shopping, dining and aquatic center! Surrounded by open Sonoran Desert habitat, Florence is a western gem!

12934 E Verbina Lane, Florence
$337,900
4 Beds ⋅ 2 Baths ⋅ 7078669 MLS ⋅ 1,793 SqFt.
With four bedrooms, two bathrooms, an open-concept layout with a large family room and upgraded kitchen, the Payson plan is sure to be the perfect fit for you and your family! Stunning exterior finishes, including tile roofing, a modern coach light and ¾ lite front door, welcome you home as you pull into the driveway. As you make your way inside, the Payson floor plan opens up and showcases the chef-ready kitchen that overlooks the expansive dining area and family room. Take the party outside with the large covered back patio and your private back yard.

1063 W Feliz Street, Florence
$330,000
3 Beds ⋅ 2 Baths ⋅ 7078267 MLS ⋅ 1,665 SqFt.
Welcome to this charming home in Magic Ranch! Offering 3 beds, 2 baths, mature desert landscape, and a 2-car garage w/extended driveway. The interior exudes refined style with high ceilings, tons of natural light, designer palette, wood accent details, tile flooring in common areas, and soft carpet in bedrooms. You'll love the seamlessly flowing open layout! The inviting living space is paired with a fireplace. The impressive kitchen boasts SS appliances, granite counters, subway tile backsplash, a walk-in pantry, white shaker cabinetry, recessed lighting, and an island w/breakfast bar. The large main bedroom has an ensuite w/walk-in closet. The spacious backyard, with a covered patio & artificial turf, is the ideal spot to relax or enjoy a BBQ. No direct neighbors behind! Make this yours!

5740 E Thetis Drive, Florence
$229,000
3 Beds ⋅ 2 Baths ⋅ 7077806 MLS ⋅ 1,281 SqFt.
USDA ELIGIBLE! Cute Single-Level Home situated on a premium lot! Split floorplan features 3 bedrooms, 2 bathrooms, vaulted ceilings, a spacious living room, cozy eat-in kitchen, Enjoy the back patio featuring view fencing of the common area, mountain views, and newer paint and flooring

23682 N Sunrise Circle, Florence
$509,700
2 Beds ⋅ 2 Baths ⋅ 7077619 MLS ⋅ 2,337 SqFt.
Some homes offer a combination that's simply hard to duplicate, and this highly sought-after Serenity model is a standout. Featuring TWO DENS for exceptional flexibility and perfectly positioned on an expansive desert wash homesite, this property delivers outstanding privacy, beautiful open-desert surroundings, and the peaceful Arizona setting buyer's desire. Add an impressive garage configuration featuring a 4-foot extension, large tandem garage, AND a separate golf cart garage, and you have a rare combination of space, privacy, and versatility. Welcome to your private oasis at 4233 N Brigadier! A gated front courtyard creates an inviting first impression and a wonderful spot to enjoy your morning coffee. Step inside to a light-filled, open-concept design featuring 9+ foot ceilings, no interior steps, tile flooring, roller shades, and thoughtful upgrades throughout. Energy-efficient windows, mechanical sunshades, and tinted windows add comfort and efficiency. At the heart of the home, the kitchen offers both style and function, with granite countertops, a generous center island, gas cooktop, built-in electric oven and microwave, walk-in pantry, and reverse osmosis system. The open layout flows naturally into the main living areas, creating an ideal environment for everyday living and entertaining. The private owner's suite provides a comfortable retreat with a spacious bath featuring dual vanities and a separate private toilet room. TWO DENS set this Serenity apart, offering tremendous flexibility for home offices, hobbies, a media room, or additional guest space. Step outside and you'll quickly appreciate what makes this property so special. The HUGE DESERT WASH provides an impressive sense of openness and privacy with no homes immediately behind you. Relax beneath the covered patio, gather around the fire pit on cool desert evenings, or simply enjoy the peaceful natural surroundings. Low-maintenance synthetic grass and wrought-iron fencing complete the outdoor setting. Garage enthusiasts will love the 4-FOOT EXTENSION, TANDEM GARAGE, SEPARATE GOLF CART GARAGE, epoxy flooring, and dedicated storage--providing outstanding flexibility for vehicles, a golf cart, workshop, hobbies, and more. Beyond the home, Sun City Anthem at Merrill Ranch delivers the resort-style experience that makes this community so special. The 48,000-square-foot recreation center serves as the heart of the community, with indoor and outdoor pools, extensive fitness facilities, pickleball, tennis, bocce ball, creative arts and hobby spaces, and an incredible variety of clubs, activities, and social events. Golfers can enjoy the Troon-managed, championship Poston Butte Golf Club, while the Anthem Grille offers a full-service restaurant and bar right within the community--perfect for meeting friends, enjoying dinner and drinks, or relaxing after a round of golf. It's a lifestyle built around staying active, connecting with friends and neighbors, and enjoying the very best of Arizona living. An exceptional home, an incredible setting, and a community you'll love calling home!

4233 N Brigadier Drive, Florence
$275,000
3 Beds ⋅ 2 Baths ⋅ 7077498 MLS ⋅ 1,541 SqFt.
Single-level 3-bed, 2-bath split floor plan backing directly to Arizona State Trust land with no rear neighbors. The interior features an open living/dining layout and a functional kitchen with electric appliances, a pantry, and solid cabinet and counter space. The primary suite is split from secondary bedrooms and includes a full bath with a walk-in closet. Low-maintenance backyard with gravel, concrete side walkways, a fire pit, and block fencing, leaving open space for future additions or storage. Attached 2-car garage with coated flooring. Quick access to Highway 79 and Hunt Highway for a straight drive into Queen Creek. Seller offering up to a $7,000 credit at closing toward a brand-new HVAC system so the buyer can choose their preferred equipment and warranty package.

30141 N Oak Drive, Florence
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