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Shelby Polk- Realtor, 17200 s Irving Avenue, Sahuarita, AZ (2026)

01/31/2026

Huge congratulations to Mike and Tiffany on the closing of their new home! 🏡✨ Thank you for your trust and perseverance—it was an honor to be part of your journey. Special thanks to our lender Abel, the title company and my broker Bertha, for their dedication and support throughout the process.

11/21/2025

12440 S Coleman Road, Tucson, AZ 85735
Offered at $365,000 — Cash Only

Experience true Western living on this fully fenced 40+ acre horse property showcasing unobstructed panoramic mountain, sunrise, and sunset views. Nestled in the foothills of Kitt Peak and near the Coyote Mountains Wilderness Area, this serene desert retreat offers privacy, space, and authentic ranch living.

The cozy 3-bedroom, 2-bath home includes a large extended covered patio perfect for relaxing and taking in the breathtaking scenery.

Property Highlights
• 40+ Acres (previously two 20-acre parcels)
• 2 Wells (one shared with neighboring property)
• 2 Septic Systems (one currently in use)
• Extensive Horse Facilities:
• 6 stalls
• 3 separately fenced pastures (approx. 6 acres east, 12 acres west, 1 acre south)
• Beautiful arena
• Water plumbed to all troughs
• NEW 12x24 Tack Shed
• Workshop + Storage Shed
• Large Firepit Area with overhead lighting — ideal for gatherings
• Abundant wildlife, range horses, and steer that enhance the authentic ranch atmosphere

This property delivers the essence of Southwest ranch life — peaceful, scenic, and full of character. Gitty up on over and experience this one-of-a-kind desert homestead!

Courtesy listing of Heidi J. Guyton — HomeSmart

11/21/2025

Thinking about buying a home but unsure if now is the right time?
Here’s the truth: the best time to buy is when you’re ready—and when you have the right agent fighting for your best interests.

Right now, buyers have opportunities they didn’t have a year ago:
🔹 More homes staying on the market longer
🔹 Sellers willing to negotiate
🔹 Incentives like rate buy-downs and closing cost assistance
🔹 USDA, VA, and down-payment programs still available

The market is shifting—which means buyers finally have leverage again.

As your Realtor, I make sure you get:
✨ The strongest possible deal
✨ Access to listings before they hit the market
✨ Skilled negotiation to save you money
✨ Guidance through every step so you never feel lost or pressured
✨ A partner who treats your goals like they’re my own

If you’re thinking about buying, let’s talk strategy—no pressure, just real information so you can make the best move for YOU.

Your future home is waiting. I’m here to help you get it.
Send me a message to get started. 🏡

11/21/2025

🏡 9740 N Running Back Way, Marana, AZ 85653
Offered at: $450,000

Welcome to Silverbell Trails Estates, where ranch-style living meets modern comfort. Situated on 4.14 fully fenced acres, this exceptional horse property features a new 5-inch galvanized pipe–chain link perimeter fence, 4 horse stalls, and a dedicated hay barn, making it ideal for equine owners and hobby ranchers.

Inside, the home offers a generous and open layout with 5 bedrooms and 3 full baths. Enjoy both a spacious living room and an additional family room off the kitchen—perfect for relaxation or entertaining. The kitchen has been beautifully updated with a newer granite island, breakfast bar, countertops, and stainless steel appliances.

The main bedroom includes an ensuite bath and walk-in closet. Newer flooring runs throughout the home, along with a newer Rheem furnace, A/C unit, and ducting for added peace of mind. Outside, a new 10’ x 20’ storage shed provides extra space, and an extra-long covered deck offers scenic views of the horse facilities.

The seller is also providing a top-of-the-line Old Republic Home Protection Platinum Plan with Total Care—a tremendous added value.

Additional Highlights:
• USDA loan–eligible property
• Updated systems and modern finishes
• Turnkey horse facilities
• Quiet, open, rural setting with room to grow

This is true Arizona ranch living at its finest!

Courtesy Listing of Santiago Ortiz

11/21/2025

🏡 Just Listed – $425,000 | 10300 N Fire Crest Pl, Marana, AZ 85653
Your dream rural escape awaits on 8.32 acres at the end of a private road! This spacious 4BR/2BA home features a bright, country-style kitchen with white cabinets, butcher block island, and newer appliances. Recent upgrades include a newer roof and HVAC, giving you peace of mind from day one.

✨ Property Highlights:
• Horse & livestock shelters + corrals
• Arena site cleared—ready for your fencing
• Main suite w/ oversized soaking tub, tiled shower & double vanity
• Large carport—perfect for projects or 4+ vehicles
• Perimeter fenced & gated
• Backs to State Land for endless open space, privacy & sunset views

Rural living at its best in Marana!
Listing courtesy of Amy Star – Lawrence C. Potter.

11/21/2025

🏡 status active contingent

New Listing – $195,000 | 8250 S Taylor Lane, Tucson, AZ 85736
Horse lovers & outdoor adventurers—this one’s for you!
Enjoy 2.5 fully fenced acres in Southwest Tucson with direct access to horse + off-road trails. The 3BD/2BA home comes with big-ticket updates including a new roof, drainage field, cooler, furnace & city water.

✨ Property Highlights:
• 4-stall barn + paddocks
• Riding arena—perfect for clinics, training & everyday riding
• Two storage rooms for hay, tack & supplies
• No HOA/CCRs—freedom to live your lifestyle

Bring your creativity and make this charming property your dream retreat!

Listing courtesy of Anneliese Dompe – Long Realty.

11/18/2025

Understanding FHA Loans & Down Payment Assistance Programs

For many homebuyers—especially first-time buyers—the biggest challenge isn’t qualifying for a mortgage; it’s coming up with the cash for a down payment and closing costs. That’s where FHA loans and down payment assistance (DPA) programs can make a big difference.

What Is an FHA Loan?
An FHA loan is a mortgage backed by the Federal Housing Administration. It’s designed to make homeownership more accessible, particularly for buyers who may have lower credit scores or limited savings.

Key benefits of FHA loans:
• Low down payment: As little as 3.5% down with a credit score of 580 or higher.
• Flexible credit requirements: Buyers with past credit challenges often find it easier to qualify.
• Competitive interest rates: Because the loan is government-insured, lenders can offer affordable rates.
• Higher debt-to-income allowances: Helpful for buyers with student loans or other debts.

How Down Payment Assistance Programs Help
Even with the lower 3.5% FHA down payment, saving thousands of dollars can still be a hurdle. That’s where down payment assistance programs step in. These programs—offered by states, cities, nonprofits, and even some employers—can help cover:
• Down payments
• Closing costs
• Sometimes both

DPA can come in several forms:
• Grants: Money that never needs to be repaid.
• Forgivable loans: Loans that are forgiven after living in the home for a certain number of years.
• Deferred-payment loans: Loans with no payments due until you sell, refinance, or pay off the mortgage.
• Low-interest loans: Extra financing with minimal interest costs.

Why FHA + DPA Is a Powerful Combination
Pairing an FHA loan with down payment assistance can significantly reduce the upfront cost of buying a home. Some buyers are even able to move in with little to no money out of pocket, depending on the program and closing costs.

This combination is especially helpful for:
• First-time buyers
• Renters with solid income but limited savings
• Buyers recovering from past credit issues
• Families looking to build wealth through homeownership

Getting Started
If you’re considering buying a home, it’s worth exploring which FHA loan options you qualify for and whether you’re eligible for local down payment assistance programs. A lender or housing counselor can help you compare programs, understand requirements, and put together the best strategy based on your financial goals.

11/17/2025

🏡 1480 S Calle Anasazi, Tucson, AZ 85735
Price: $270,000
3 Bed | 2 Bath | 1,536 SqFt | 1.5 Acres | Horse Property | FHA Eligible

Beautifully remodeled and move-in ready, this 3-bedroom, 2-bath home sits on 1.5 acres of peaceful desert landscape with plenty of room to live the rural lifestyle you’ve been dreaming of! The bright and open 1,536 sq ft floor plan features all-new finishes throughout. The gorgeous kitchen showcases white cabinetry, updated countertops, stainless steel appliances, and a large picture window that captures stunning desert views.

Relax on the expansive covered front porch or take advantage of the abundant outdoor space—perfect for RV parking, equipment, toys, or horses. GR-1 zoning allows for horses and flexible homestead living. A detached garage/workshop with a roll-up door offers great storage or hobby space, and the property provides easy access to miles of open desert for riding or exploring.

Enjoy quiet country living just minutes from Tucson amenities. FHA financing eligible. Truly move-in ready and a must-see!

Listing courtesy of Kaukaha S. Watanabe – eXp Realty

11/16/2025

16640 W Branch Water Lane
Marana, AZ 85653
Offered at $259,000

Welcome to your very own 1.15-acre desert oasis featuring mature landscaping, privacy, and peaceful surroundings. Step onto the custom front deck and into this inviting 3-bedroom, 2-bathroom home with a desirable split floor plan. Interior highlights include laminate flooring, cozy carpeting, and abundant natural light that fills the open kitchen and living areas.

The primary suite offers a walk-in closet, ceiling fan, and a spacious bathroom complete with a garden tub, separate shower, and excellent storage. Outside, the property provides fantastic functionality with two large storage sheds—one ideal for a workshop—plus fruit trees, a covered patio, and a fully fenced backyard with double-gate access.

This property is zoned for horses, has plenty of room for your toys, and offers stunning star-filled night skies.

qualifies for FHA financing.

Please feel free to reach out for a private showing !

Courtesy listing of Jamie M. Angeley – Realty Exclusive.

11/13/2025

🏡✨ Thinking About Buying a Home? Don’t Overlook New Builds!

There’s something special about being the first to live in a brand-new home — no old carpet, no hidden repairs, and everything is exactly how you want it!

Here are some major benefits of purchasing a new home build:

✅ Customization – Choose your floor plan, finishes, and features to match your lifestyle and taste.

✅ Energy Efficiency – Enjoy lower utility bills with modern construction, smart thermostats, and energy-efficient systems.

✅ Low Maintenance – Everything is brand new — meaning fewer repairs, less stress, and more time to enjoy your home.

✅ Modern Features – Open layouts, smart home technology, and contemporary designs built for how we live today.

✅ Builder Warranties – Most new homes come with warranties covering major systems and structural components for added peace of mind.

💰 Plus, builders often offer amazing incentives!
Many new construction communities are offering:
• Assistance with closing costs 💵
• Rate buy-downs to lower your monthly payment 📉
• Paying your realtor’s commission, so you don’t have to 🏠
• Limited-time upgrades or credits toward design selections ✨

With these benefits and incentives, a new home build can be an affordable — and exciting — way to get the home of your dreams!

11/13/2025

💚 Thinking of Buying a Home? Learn About USDA Loans! 🏡

Did you know you could buy a home with zero down payment?
That’s one of the biggest benefits of a USDA loan, a government-backed mortgage designed to help people buy homes in rural and suburban areas.

Here’s what makes USDA loans a great option:
✅ No down payment required – Keep your savings for other expenses.
✅ Low interest rates – Often lower than conventional loans.
✅ Flexible credit requirements – Easier qualification for many buyers.
✅ Government-backed – Supported by the U.S. Department of Agriculture (USDA).

Who qualifies?
USDA loans are typically for buyers who:
• Plan to live in a rural or eligible suburban area
• Meet income limits (based on location and household size)
• Are purchasing a primary residence

💡 Pro tip: Many areas that people don’t consider “rural” may still qualify — it’s worth checking the USDA eligibility map!

If you’re dreaming of homeownership and want to explore affordable, low- or no-down-payment options, a USDA loan might be the perfect fit. 🌾

11/13/2025

🏡 12644 S Red Horizon Trail, Vail, AZ 85641
Listing Price: $253,000

Welcome home to this charming 4-bedroom, 2-bath manufactured home nestled on a spacious 1-acre lot in beautiful Vail, AZ!

Step onto the inviting wooden front deck and take in the peaceful surroundings. Inside, you’ll find wood-look flooring, vaulted ceilings, and an open, light-filled living area perfect for relaxing or entertaining.

The eat-in kitchen offers abundant wood cabinetry, stainless steel appliances, and a peninsula breakfast bar—ideal for casual dining.

Retreat to the primary suite, featuring plush carpet, a walk-in closet, and a private ensuite bathroom for your comfort.

Outside, the large backyard offers endless possibilities to create your dream outdoor oasis, all while enjoying breathtaking mountain views. With plenty of parking space and room to grow, this property provides both privacy and potential.

✅ Qualifies for FHA Financing
✨ A fantastic value you won’t want to miss!

Please reach out for a private showing of this beautiful property!

MLS Courtesy of: Melissa Preciado – Real Broker

Shelby Polk- Realtor

01/31/2026

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