34 photos
$359,900
13260 W Lisbon Ln
Surprise, AZ 85379
The owner (for sale by owner, no agent). Contact the owner through the original listing.
What the listing says
Rare opportunity to assume an existing FHA mortgage at a 3.75% interest rate, subject to buyer qualification and lender approval. With approximately $340,000 remaining on the assumable loan, this 3-bedroom, 2-bath single-story home offers a financing opportunity that's difficult to find in today's market. Inside, the 1,446 sq. ft. home feels bright and spacious, with vaulted ceilings, abundant natural light and an easy-flowing floor plan. The kitchen opens to the main living area and features a dining nook and stainless steel appliances, all replaced in 2024 and included with the home. The generous primary suite features vaulted ceilings, a bay window, walk-in closet, double-sink vanity and a tub/shower that was professionally refinished in July 2026. Two additional bedrooms provide flexibility for guests, family or working from home; one is currently configured as an office with a built-in workspace that can easily be converted back to traditional closet use. Several major updates have already been taken care of, including a new HVAC system installed in June 2024, interior paint and carpet completed in 2022, and exterior paint completed in 2025. The washer and dryer and water softener are also included. Outside, the low-maintenance backyard is designed for enjoying Arizona living without spending every weekend maintaining it. A covered patio opens to pavers and artificial turf, with raised planter areas, mature grapefruit, lemon and orange trees, and a storage shed. The 2-car garage also includes overhead storage. Located on a quiet street directly across from a grassy neighborhood park, the home is convenient to shopping, schools, dining and Surprise's Spring Training attractions. The home also features a Tesla solar system with a current lease payment of approximately $105/month. Current owners average approximately $30/month in electric utility costs; actual costs will vary based on usage. Buyer to assume the existing solar agreement. FHA loan assumption is subject to buyer qualification and approval by Newrez. Current approximate loan balance and other loan information are provided for informational purposes and will change over time.
See the original listing ↗This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.
Property Details
Property Type
Single Family
HOA
$49/mo
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Questions about owner financing in Surprise
What is owner financing for 13260 W Lisbon Ln?
Owner financing means the seller of 13260 W Lisbon Ln acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this Surprise, AZ home mentions owner financing; confirm it with the seller.
Do I need good credit for owner financing?
There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.
How much is the down payment for this Surprise home?
There is no standard down payment. The seller of this Surprise home sets their own, and it is negotiable. Ask the seller or their agent.