Cave Creek Homes with VA Loan New Financing

Cave Creek Homes with VA Loan New Financing

Welcome to Cave Creek, Arizona—a hidden gem nestled in the heart of Maricopa County, where the rugged beauty of the Sonoran Desert meets the charm of a close-knit community. With its stunning landscapes, vibrant arts scene, and rich history, Cave Creek offers a unique blend of outdoor adventure and small-town warmth. Whether you’re exploring the picturesque trails of the nearby Tonto National Forest or indulging in the local artisan shops and eateries, this town has something for everyone.

Cave Creek is not just about breathtaking sunsets and cowboy culture; it’s also a fantastic place for homebuyers, especially those eligible for VA loans. The local real estate market features a diverse array of properties, from cozy single-family homes to sprawling estates, all set against the backdrop of Arizona's stunning desert scenery. With VA loan financing options available, veterans and active-duty military personnel can take advantage of favorable terms, making homeownership more accessible than ever. These loans often require no down payment and come with competitive interest rates, allowing you to invest in your dream home without the financial strain.

In Cave Creek, you’ll find not just a house, but a place to call home—a sanctuary where you can enjoy the tranquility of nature while being part of a welcoming community. With the added benefit of VA loan financing, your dream of owning a home in this enchanting town can become a reality. Discover the endless possibilities that await you in Cave Creek, where adventure and comfort go hand in hand.

Newest Cave Creek Homes with VA Loan New Financing

5929 E Surrey Drive, Cave Creek
$775,000
3 Beds ⋅ 3 Baths ⋅ 7098106 MLS ⋅ 2,055 SqFt.
Tucked against Black Mountain & minutes from charming downtown Cave Creek, this unique property blends 60s style with Southwestern character. The spacious 2-bed, 2-bath main home features a large open kitchen & a versatile bonus room that could be an additional bedroom, home office, or extra living space. The home is complemented by a newly renovated attached 1-bed, 1-bath guest house with its own entrances & living space with kitchen. Set on .4 acres & surrounded by stunning mountain views, this property also features an oversized, extra-height 4-car garage with front & rear garage doors for all your cars, toys, or workshop needs! Plus an RV gate & parking with exterior 220 outlets & waste disposal. The leased solar will be prepaid at closing. Seller financing possible. Welcome home!

5929 E Surrey Drive, Cave Creek
4953 E Justica Street, Cave Creek
$600,000
2 Beds ⋅ 2 Baths ⋅ 7097823 MLS ⋅ 1,751 SqFt.
Breathe easier, live safer & stay cooler in this reimagined home in gated Tatum Greens, steps from the 4th hole of Tatum Ranch's private golf course. The big-ticket work is done: all-new plumbing, electrical & main panel, new water heater, & 2021 A/C with re-engineered ducts sealed by Aeroseal to cut leakage 93%. HALO air purification, water filtration and softener. A custom steel-inlay, triple-lock entry door and high-efficiency windows keep heat out. The kitchen shines with polished emerald-black granite, under-cabinet lighting, LG Signature and GE Cafe appliances stillunder warranty. Custom-tiled primary shower and smart home tech. Near Black Mountain & Maricopa Trail hiking, parks, the Boulders & Civana resorts, Desert Ridge, City North, Mayo Clinic, Cave Creek and Scottsdale shopping. A HOME BUILT AROUND WELL-BEING, SECURITY AND COMFORT Every improvement in this residence was made with one purpose: to create a home that feels as good as it looks. Behind the walls, the work most buyers worry about has already been done. The plumbing has been fully replaced with clean new lines, the electrical system has been completely updated, including a new main panel, and the water heater is new. The air conditioner was replaced in 2021, and the duct system was re-engineered for efficiency, then sealed with Aeroseal, reducing duct leakage by 93%. The result is quieter, more even cooling and conditioned air that goes where it belongs. Clean living is built in. A HALO LED whole-home air purification system works continuously through the HVAC, while water filtration and a water softener complete a thoughtfully designed healthy-home package, including a dedicated filtered-water faucet at the kitchen sink. Peace of mind begins at the front door. The custom-built entry door features steel inlays, solid-core construction, triple-lock security and high efficiency ratings. The sliding patio door offers multiple locks and energy-efficient performance, and the windows have been upgraded to thicker, high-efficiency glass designed to hold back the Arizona heat in the living areas and bedrooms. THE KITCHEN The kitchen is both beautiful and serious about cooking. Polished emerald-black granite counters glow beneath under-cabinet lighting, complemented by a black undermount composite sink and matte black fixtures. The appliance suite is top tier: an LG Signature refrigerator with GE Cafe induction range, microwave and dishwasher, all with approximately four years of remaining warranty coverage. PRIVATE RETREAT AND MODERN CONVENIENCE The primary suite features a fully remodeled walk-in shower with custom tile and a generous, spa-like footprint. Upgraded carpet adds softness underfoot, and smart home technology throughout includes automatic lighting, app-based controls and a wall-mounted control panel, so the home responds to the way you live. THE TATUM RANCH LIFESTYLE Set within the gated enclave of Tatum Greens near the 4th hole, this home places you in one of Cave Creek's most established master-planned communities. Tatum Ranch is home to a private golf club with optional membership, two community parks with picnic areas, playgrounds and sport courts, winding walking and biking paths, and multiple shopping and dining centers close to home. The community is served by Cave Creek Unified School District. For those drawn to the outdoors, the high Sonoran Desert is right outside your door. Hike the summit trail at Black Mountain, explore Cave Creek Regional Park and Spur Cross Ranch Conservation Area, or venture into the Tonto National Forest and the Maricopa Trail network. Evenings offer something for every mood. Head to Old Town Cave Creek for its galleries, boutiques and authentic Western spirit, including the legendary Buffalo Chip Saloon and Harold's Cave Creek Corral. Neighboring Carefree offers the Carefree Desert Gardens and two of the region's most celebrated retreats, the Boulders Resort and Spa and Civana Wellness Resort. Luxury shopping, dining and entertainment are just minutes away at Desert Ridge Marketplace, the JW Marriott Desert Ridge Resort and City North, while Scottsdale's world-class restaurants, golf and shopping are about 15 minutes away. Mayo Clinic's Phoenix campus is also conveniently close. Healthy, secure, efficient and surrounded by the very best of North Valley living, this is a rare opportunity in Tatum Ranch.

4953 E Justica Street, Cave Creek
32636 N 40th Place, Cave Creek
$745,000
3 Beds ⋅ 2 Baths ⋅ 7097681 MLS ⋅ 2,288 SqFt.
Welcome to Emerald Greens at Dove Valley Ranch in Cave Creek. This single-level home, featuring 2,288 sq ft, 3 bedrooms, and 2 bathrooms, is within Phoenix city limits and utilizes all Phoenix city utilities and services. Its split floor plan allows for a private guest quarters, in-law suite or office, and the home has received several recent updates. A few key highlights include new flooring in 2023, interior painted 2023, exterior painted in 2024, new kitchen stove, microwave and dishwasher in 2024, hot water heater in 2024, and a new furnace and A/C in 2025 (a more detailed list is in overflow). Additionally, all interior windows have sunscreens, and the patio features four sunshades for extra summer sun protection. Come enjoy vibrant downtown Cave Creek and direct access to the Sonoran Desert Preserve, local parks, and numerous golf courses nearby. The location offers easy access to shopping, restaurants, and I-17 for northbound travel, as well as N Cave Creek Rd and N Tatum Blvd for quick access to Loop 101 and SR-51 for southbound travel. More updates: -Replaced front irrigation lines 2025 and timer 2026 -Back patio roof recoated April 2026 -Replaced underlayment 1/3 of front roof October 2023; roof was inspected when back patio recoated, and remaining underlayment should last 4-5 years -Replaced 4 permanent windows in front of house -Re-did back yard landscaping, removed tree and grass, added drainage -Snake-proofed back yard by Rattle Snake Solutions -New extra deep black stainless kitchen sink, faucet, and RO 2024 -New LG black stainless stove, microwave, and dishwasher 2024 -In primary bathroom: plumbing, new faucets, shower head, toilet -In second bathroom: new shower head -New baseboards where LVP installed -All ceiling fans replaced -Replaced carpeting with pet friendly carpet and pad 2023 -Replaced all lighting in house -Replaced door hardware with matte black Replaced cabinet hardware, matte black

32636 N 40th Place, Cave Creek
5430 E Palo Brea Lane, Cave Creek
$2,000,000
5 Beds ⋅ 5 Baths ⋅ 7096437 MLS ⋅ 4,620 SqFt.
A private courtyard casita with its own entrance and kitchenette sets this Cave Creek luxury home apart. Mountain views and high-end finishes carry throughout, including custom stone and tile, architectural feature walls and statement lighting. The main home offers a first-floor primary suite, gym, three-car garage, upstairs loft, media room and flex room with bedroom potential. The chef's kitchen features custom cabinetry, two veined-stone waterfall islands, Wolf cooking appliances, a Cove dishwasher and Sub-Zero refrigeration. The great room has a four-panel slider, stone fireplace and lighted built-ins; the dining room features dimensional tile. Spa-inspired baths showcase AXOR, RONBOW, TOTO and GROHE fixtures. The backyard features a pool, covered patio with misting, outdoor kitchen

5430 E Palo Brea Lane, Cave Creek
27621 N 47th Street, Cave Creek
$700,000
5 Beds ⋅ 3 Baths ⋅ 7096182 MLS ⋅ 3,203 SqFt.
This beautiful and spacious two-story Cave Creek home offers 5 bedrooms, 3 bathrooms (including one full bedroom and bathroom downstairs), 3,203 square feet of living space, along with a 3-car garage. The home features a mix of tile flooring and newer carpet. The floor plan is great for everyday living and entertaining. The primary suite includes dual vanities, a separate soaking tub, a walk-in shower, and a large walk-in closet. Outside, the backyard features a swimming pool, a large covered patio and extended patio space. Additional features include built-in garage storage, fridge and washer/dryer that convey with the home. This home is conveniently located near the active, fun town of Cave Creek and just minutes from Desert Ridge and City North with lots of shopping, dining, entertainment, golf, and other activities to enjoy!

27621 N 47th Street, Cave Creek
4215 E Palo Brea Lane, Cave Creek
$519,000
3 Beds ⋅ 2 Baths ⋅ 7096137 MLS ⋅ 1,423 SqFt.
Excellent 3 bedroom, 2 bath single level home in Tatum Ranch. Located on a corner lot with low maintenance desert landscaping in the front and back yards. Open, spacious great room floor plan with tile floors in all high traffic areas and carpet in bedrooms. Split master bedroom features double sinks, and walk-in closet. Secondary bedroom also has walk-in closet. Secondary bathroom has a soaking tub. Large kitchen with extended cabinets and all appliances included. The kitchen has brand new Oven, Microwave, and Dishwasher. Inside laundry room with washer and dryer included. Private backyard with covered patio.

4215 E Palo Brea Lane, Cave Creek
6407 E Lowden Road, Cave Creek
$2,750,000
4 Beds ⋅ 4 Baths ⋅ 7095895 MLS ⋅ 3,919 SqFt.
Brand new, beautifully bold, and ready for its debut. Set on a full acre, this striking new build offers over 3,900 square feet with 4 bedrooms, 4 baths, and room to live large. The great room sets the scene for unforgettable evenings, complete with a wine bar that invites you to pour a glass and stay awhile. Propane gas cooking brings the heat to the kitchen, while the wraparound patio beckons for morning coffee, sunset cocktails, and dinner under the stars. A 3-car garage completes the package. Space to spread out. Style to draw you in. Your next chapter starts here.

6407 E Lowden Road, Cave Creek
5108 E Rancho Caliente Drive, Cave Creek
$735,000
3 Beds ⋅ 2 Baths ⋅ 7095375 MLS ⋅ 1,876 SqFt.
Experience the beauty and tranquility of the Sonoran Desert from this custom territorial-style residence on approximately 1.06 acres in Desert Foothills North. Surrounded by natural desert vegetation, the property offers a welcome sense of privacy and openness, with a north-facing backyard and glimpses of Black Mountain. Inside, high ceilings and a wood-burning corner fireplace give the great room warmth and architectural character. The spacious kitchen features generous counter space, abundant cabinetry, a breakfast bar, built-in desk and comfortable breakfast nook. Expansive windows define the Arizona room, creating an inviting place to relax, entertain or simply enjoy the changing desert light and scenery. The split-bedroom layout provides separation between the primary suite and two additional bedrooms. The primary retreat includes a bay window, dual vanities, a jetted soaking tub, separate shower and walk-in closet. One secondary bedroom offers exceptional flexibility with custom built-ins and a Murphy bed, making it equally suited for an office or guest accommodations. Complete with a side-entry two-car garage, this is an opportunity to enjoy the space, scenery and distinctive character of Cave Creek living.

5108 E Rancho Caliente Drive, Cave Creek
6914 E Highland Road Unit Lot 1&2, Cave Creek
$1,350,000
4 Beds ⋅ 3 Baths ⋅ 7095291 MLS ⋅ 2,932 SqFt.
Experience the space and beauty of Cave Creek living with this unique equestrian property featuring no HOA and two separate adjoining parcels totaling approximately 4.6 acres. Framed by breathtaking 360-degree mountain views, the property offers a comfortable 3-bedroom, 2-bath main home and an attached 1-bedroom, 1-bath casita with its own kitchen and living room--perfect for guests, multigenerational living, or added privacy. Horse amenities include a 3-stall mare motel, spacious turnout, round pen, riding arena, and tack shed, with direct access to nearby trails for exploring Cave Creek's stunning desert landscape. A circular driveway, expansive parking for trailers, RVs, and toys, and a large fenced yard complete the setup. Come Enjoy Cave Creek as it was meant to be!

6914 E Highland Road Unit Lot 1&2, Cave Creek
37644 N Hidden Valley Drive, Cave Creek
$1,400,000
7 Beds ⋅ 5 Baths ⋅ 7095270 MLS ⋅ 5,390 SqFt.
Welcome to this large home near Cave Creek Town central, A plethora of living space with 7 bedrooms and 5 baths, Updated for todays living, Brand new interior and exterior paint, New roof with 10 year warranty, Kitchen has been updated with new Stainless Frig, Dishwasher to enhance the Granite Island and counter tops, open to the Nook area plus a formal Dining room, Living room has a Gas Firplace, Main Bedroom has a sitting area, Gas Fireplace, Main bath Has double vanity, makeup counter, a free standing Tub plus a tiled Shower, Four other Bedrooms share two Baths, Home has two Laundry areas on each floor, a special extra this home has a main floor Casita with full Kitchen, full bath, two Bedrooms, Has own private entry with no steps, Lot has room for a Pool, All this at a great value

37644 N Hidden Valley Drive, Cave Creek
6447 E Lone Mountain Road N, Cave Creek
$850,000
2 Beds ⋅ 2 Baths ⋅ 7094816 MLS ⋅ 2,304 SqFt.
A Rare Sonoran Desert Sanctuary with Breathtaking Mountain Views Discover a truly special retreat where natural beauty, privacy, and creative inspiration come together. Set on 2 picturesque acres and framed by dramatic mountain views, this one-of-a-kind property captures the essence of the Sonoran Desert, complete with majestic, approximately 200-year-old saguaro cacti--a remarkable and timeless feature of the landscape. With direct access to the wash and wide-open space to roam, the property offers an exceptional setting for horse enthusiasts, outdoor living, and those who appreciate the freedom and beauty of the desert. Inside, rustic character meets inviting warmth with exposed beams, abundant natural light, and generous storage throughout.

6447 E Lone Mountain Road N, Cave Creek
4715 E Red Bird Road, Cave Creek
$649,900
3 Beds ⋅ 2 Baths ⋅ 7094302 MLS ⋅ 1,796 SqFt.
Nestled on a premium corner lot in desirable Cave Creek (85331), this beautiful 1,796-square-foot, single-level home offers the perfect blend of privacy, modern updates, and functional design. Built in 1999 and recently renovated, the residence features a highly desirable split floorplan with 3 bedrooms and 2 bathrooms, all under soaring high cathedral ceilings. Step inside to a bright, inviting interior boasting a spacious great room, three elegant bay windows, custom window shutters, freshly painted walls, and brand-new carpet throughout. The upgraded kitchen is a chef's delight, equipped with premium 42-inch upper cabinets and new stainless steel appliances. No detail has been overlooked regarding the home's major infrastructure, which features a newer HVAC system, a newer roof, and an included water softener. Storage is maximized by a rare, attached 3-car garage. The exterior is equally impressive, featuring fresh exterior paint and a massive, highly private backyard shaded by mature trees. Complete with an outside rear patio, it serves as an ideal setting for family picnics and weekend barbecues. This lovely, move-in-ready home is truly designed to accommodate your entire family. Newer Roof 2024, Newer HVAC 2023, New Kitchen with top quality Cabinets, Stainless Steel Appliances 2025 .

4715 E Red Bird Road, Cave Creek
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