Welcome to this spacious and versatile updated 4-bedroom, 3-bath home nestled in the charming mountain town of Payson! Whether you're looking for a full-time residence, a relaxing second home, or an income-producing short-term rental, this property offers the perfect combination of comfort, functionality, and flexibility -- with NO HOA. Enjoy the beautiful wrap-around deck featuring both covered and uncovered areas, perfect for entertaining, relaxing, or taking in the fresh mountain air year-round. The main level features an inviting living room and a well-appointed kitchen complete with a large island, abundant cabinet storage, generous counter space, and a built-in microwave. The extra-large primary suite offers plenty of room to unwind, along with an oversized CLICK ''MORE' primary bathroom designed for comfort and convenience. A spacious second bedroom and full guest bathroom complete the main floor. Downstairs, you'll find a large family room ideal for gatherings, game nights, or additional living space, along with two additional bedrooms and another full bathroom -- perfect for guests or multi-generational living. The 1-car garage includes a laundry area plus extra space for tools, storage, or a workbench for hobbies and projects. A separate storage shed offers even more space for outdoor equipment, hobbies, or seasonal items. Located in desirable Payson, this home combines mountain-town charm with practical living spaces and investment potential. Don't miss this opportunity to own a property with endless possibilities!