NO HOA,Just move into this cozy retreat located in Payson, AZ! This updated two-bedroom, one-bath cottage nestled in the pines in Payson, AZ features an inviting L-shaped deck.Enjoy stylish wood-look vinyl plank flooring, fresh paint, and overhead lighting throughout. The energy-efficient mini-splits cooling/heating system ensures year-round comfort. The kitchen boasts new cabinets, sleek countertops, and brand new Samsung appliances. The bathroom has been completely renovated with walk in shower, and a redesigned hall closet now accommodates a stack washer/dryer combo. All doors are newly installed, and the exterior has been freshly painted. Plumbing upgrades include new connections, and all electrical components have been checked for safety. Conveniently located near Highway 87 and local amenities, this charming cottage offers the perfect blend of comfort and location. Don't miss out on this delightful primary residence, second home or an investment opportunity.