Tonto Verde Homes For Sale in Rio Verde AZ Live MLS listings, updated all day. Pick single-family only, or every home type (townhomes and golf homes too):Tonto Verde: A 55+ Retirement Golf Community in Rio Verde AZ
Planning a retirement move northeast of Scottsdale? This is the polished, amenity-rich choice of the Verde River corridor. In fact, it’s a member-owned, semi-private club with two championship golf courses, a resort-style clubhouse, and the social membership folded right into your HOA.
New to the area? Rio Verde is a corridor of golf communities northeast of Scottsdale. Of the three, Tonto Verde is the resort-polished 55+ one.
Read the full Rio Verde area guide →Tonto Verde sits northeast of Scottsdale in the Verde River corridor. Above all, it’s a 55+ golf community with a genuine resort feel. Because it’s member-owned and semi-private, you can see it in how well-kept and how social the place is. In other words, if Rio Verde Country Club is the classic option, Tonto Verde is the one that feels like a resort you get to live in.
From founder Jarl Kubat
Founder Jarl Kubat has spent 22+ years helping buyers and sellers in Arizona 55+ and retirement communities, in the West Valley and the East Valley. He lives in Arizona Traditions in Surprise, so he knows 55+ club life as a neighbor, not just as an agent.
So his advice for this community is simple. First, decide how much golf you’ll really play, because full golf is its own membership. Then drive out at the hour you’d usually head to town, so you feel the distance for yourself. After that, the right home usually becomes clear too.
2026 BUYER’S GUIDE
Planning a retirement move? Compare 50 Arizona 55+ communities.
Prices, HOA dues, age rules and a step-by-step buying plan, all in one guide.
Tonto Verde’s two championship courses
Golf is the headline here: there are two championship 18-hole courses. The Peaks (a David Graham design, per the club) plays tighter, with narrower fairways and smaller landing areas. So it’s the shot-maker’s course. On the other hand, the Ranch (a Gary Panks design, per the club) is more forgiving, with wider fairways and larger greens. As a result, you get two very different rounds without leaving the community.
It’s a semi-private, member-owned club with limited guest play, so the courses stay in great shape and rarely feel crowded. Also, golf membership is open to residents and non-residents, with initiation and dues that vary by membership type and current incentives. For more course details, see the official Tonto Verde community site. Also, to compare golf communities across the Valley, see our Arizona 55+ golf course homes guide.
The social membership comes with the HOA
Here’s the ownership story buyers like. Your HOA dues include a social membership to Tonto Verde Country Club. On top of that, they cover the heated pool, the fitness center, street upkeep, and trash. So the resort side of life comes bundled into one predictable payment. Full golf is a separate membership, but the social club, pool, and fitness are already yours.
Strictly speaking, then, joining the golf club isn’t mandatory. Still, since the social tier rides along with the HOA, in practice every resident has it. Clean and simple.
Amenities and the setting
Beyond golf, the community offers a Santa Fe-style clubhouse, a resort heated saltwater pool, an Olympic-size lap pool, a spa, a fitness center, casual and fine dining, an 18-hole putting course, bocce, and an entrance to McDowell Mountain Regional Park for hiking and walking trails, per the club. Meanwhile, the setting is quiet, scenic, and low-density, with the McDowell Mountains and open desert on every side.
What about pickleball? First of all, rec courts here are community amenities, not part of the golf club. However, we’re still confirming the current court count and club details, so ask us and we’ll get you the latest. In the meantime, to see how other communities compare, visit our Arizona 55+ pickleball page.
See what’s for sale in Tonto Verde
All Tonto Verde homes for sale, including townhomes and golf homes, updated all day.
See Every ListingSingle-family homes and townhomes
The community offers single-family homes and townhomes, built from about 1995 to 2022. As a result, you can go full single-family on the golf and desert, or choose a lower-maintenance townhome for lock-and-leave living. In fact, it’s the Verde community that gives you both. As always with an established community, condition and updates vary from home to home. That’s why we go through the mechanicals and any view premium with you before you write an offer.
Tonto Verde home prices: the market right now
Here’s what the Arizona Regional MLS showed for the last 90 days, as of September 30, 2026. All home types are included, and these are rounded figures. In short, it’s a quick read on Tonto Verde homes for sale and what they sell for.
| Market snapshot | As of Sept. 30, 2026 |
|---|---|
| For sale | 8 homes (listed about $420K to $1.45M) |
| Under contract | 1 |
| Coming soon | 3 |
| Sold in the last 90 days | 5 |
| Sold price range | About $495,000 to $1,130,000 |
| Average sale price | About $925,000 (median about $950,000) |
| Sale price vs. list price | About 95% |
| Price per square foot | About $353 |
| Average days on market | About 152 |
What the numbers say: homes here don’t sell often, so each sale moves the averages a lot. Also, summer is the slow season out here, and we expect more sales from October through April. Homes sold at about 95% of list, so there’s some room to negotiate, but the best ones still go first. Ranges shift as the market changes, so call or text (480) 710-6326 to verify today’s numbers. Finally, for the whole state, see our Arizona 55+ market update.
Tonto Verde homes for sale: search right here
Here are the live single-family Tonto Verde homes for sale, updated throughout the day. Want townhomes or golf homes too? Then tap every home type. Otherwise, call or text (480) 710-6326 and we’ll set up a search for you.
Tonto Verde HOA fees and costs at closing (2026)
| Fee | 2026 amount | Notes |
|---|---|---|
| HOA (semi-annual) | About $2,731 × 2 = about $5,462/yr | About $455/month; includes the social membership, pool, and fitness |
| Capital improvement fee | $0 | None; it’s covered in the HOA dues |
| Transfer fee | About $400 | One-time (buyer) |
| Resale disclosure fee | About $400 | One-time (seller pays) |
| Buyer’s total at closing | About $400 | Plus prorated dues, as with any home |
Of course, that HOA is doing a lot of work. After all, it carries the social club, the pools, and the fitness center. Even so, the buyer’s cost at closing is unusually low, because there’s no capital improvement fee here at last check. By contrast, many Arizona 55+ communities charge a few thousand dollars at closing. Meanwhile, full golf memberships are separate and optional, and your HOA dues don’t fund golf. We confirm every figure with the association and the club before you commit. To compare costs, see our Arizona 55+ HOA fees page.
Fees are current for 2026 as provided and subject to change.
The recorded rules that shape daily life at Tonto Verde
We read the recorded CC&Rs so you know what you’re buying into. The age rules follow federal housing-for-older-persons law, which sets the 55+ framework.
| Rule | What the recorded CC&Rs say |
|---|---|
| Age | A 55+ community, with at least one resident 55+ per home. The Board may waive that as long as one resident is 40+, so the co-resident floor is effectively 40. No permanent residents under 18, though grandkids may visit up to about 90 days a year. |
| Parking and RVs | Ordinary cars are fine on your lot, but RVs, boats and trailers must be kept in the garage. On the private roads there’s no parking except in association-designated areas, and the Board can tow. |
| Leasing | Leasing is allowed. However, the owner stays responsible for the tenant. The recorded CC&Rs set no minimum term, so we confirm the current rule with the association. |
| Exterior changes | Design Review Committee approval comes first. In fact, the Board can fine up to $10,000 for building without it, so it’s very much a get-approval-first community. |
| What dues can cover | Unusually service-rich. For example, the common expenses can include water, electricity, sewer, trash and cable TV where not separately metered, plus the clubhouse and private roads. We confirm exactly what’s bundled on any specific home. |
Rules can change, so we confirm the current CC&Rs and rules with the association before you buy.
The golf is a member-owned club, separate from your HOA
The two courses are run by the member-owned Tonto Verde Golf Club. Because the golf is excluded from the HOA’s common areas, club membership and fees are separate from your association dues. In other words, that’s a different model from an outside operator. So if golf is central to your decision, we’ll walk you through the current membership.
Is Tonto Verde the right retirement community for you?
A great fit if you…
- Want a resort-caliber 55+ community with two golf courses.
- Like the social club, pools, and fitness bundled into the HOA.
- Want the choice of a single-family home or a townhome.
- Value quiet, scenic, low-density living with hiking close by.
- Like a low buyer cost at closing, about $400 at last check.
- Want to watch Tonto Verde homes for sale and move when the right one lists.
Worth knowing before you buy…
- Higher HOA, because it carries the club, pools, and fitness.
- Full golf is a separate membership on top of the HOA.
- It’s a drive, so plan extra time to central Phoenix and Sky Harbor.
- Fewer homes come up for sale, so we watch Tonto Verde homes for sale for you and call when the right one lists.
Thinking about Tonto Verde?
I’m Jarl Kubat, a licensed Arizona agent with 22+ years in the Valley’s 55+ and golf communities. I’ll lay out the club and golf costs plainly and help you compare this community with Rio Verde CC and Trilogy next door.
Call or Text: (480) 710-6326 Contact PageTonto Verde: frequently asked questions
Community basics
Is Tonto Verde a retirement community?
Yes. It’s a 55+ age-restricted golf community in Rio Verde AZ, and many buyers choose it for a retirement move. At least one resident per home must be 55+, and no one under 18 may live there full time. We confirm the current age rules before you buy.
Do you have to be 55 to live in Tonto Verde?
At least one resident in each home must be 55 or older. However, the Board may waive that as long as one resident is 40 or older. Still, grandkids may visit up to about 90 days a year. We’ll confirm the current rule for any home you like.
Does Tonto Verde have townhomes?
Yes. It has both single-family homes and townhomes, so you can pick full single-family or lower-maintenance lock-and-leave. By contrast, its neighbor Rio Verde Country Club does not have townhomes. So just ask, and we’ll pull the Tonto Verde homes for sale in either style.
Golf, fees and the club
How many golf courses does Tonto Verde have?
Two championship 18-hole courses: the Peaks (David Graham, tighter and more demanding) and the Ranch (Gary Panks, wider and more forgiving), per the club. It’s a member-owned, semi-private club, so the courses stay in great shape.
Is the social membership included in the HOA?
Yes. In fact, your HOA dues include a social membership to the club, plus the heated pool, fitness center, street upkeep, and trash. Full golf, on the other hand, is a separate, optional membership.
What are the HOA fees and costs at closing?
At last check, the HOA is about $2,731 twice a year, or about $455 a month. There’s no capital improvement fee, so the buyer pays only about $400 at closing (the transfer fee). Fees change, so confirm them before you buy.
Can non-residents play golf here?
Yes. In fact, golf membership is open to residents and non-residents, with initiation and dues that vary by membership type and current incentives. Also, guest play is limited, which helps keep the courses uncrowded.
Working with an agent
Who is the best real estate agent for Tonto Verde?
Look for an agent who works mostly in 55+ communities and knows Tonto Verde’s fees, age rules and resale market. Founder Jarl Kubat of Arizona 55+ Communities Real Estate (West USA Realty) has spent 22+ years helping buyers and sellers in Arizona 55+ and retirement communities across the West Valley and East Valley. He lives in Arizona Traditions in Surprise, and clients rate the team 4.9 stars on Google. Call or text (480) 710-6326.
The rest of the Rio Verde area
- Rio Verde area overview — all three golf communities compared.
- Rio Verde Country Club — the classic 55+ club, with the social membership in the HOA. Ask us for its guide.
- Trilogy at Verde River — the all-ages, newer resort option.
- Terravita Golf and Country Club — a north Scottsdale golf community, closer in, and not age-restricted.
- Take a community tour with us — you ride, we drive, and you see the whole corridor in a day.
See all communities we serve →
Jarl Kubat · Licensed Arizona 55+ Communities Specialist · West USA Realty
Listing accuracy: Property listings are drawn from the Arizona Regional MLS and are believed accurate but not guaranteed. Confirm details with your agent before relying on them.
Market figures: Market snapshot figures come from the Arizona Regional MLS (all home types) for a trailing 90-day period as of September 30, 2026. They are rounded, believed accurate but not guaranteed, and change as the market moves; confirm current figures with your agent.
Fees and community information: Fees are current for 2026 as provided and subject to change by the Tonto Verde association and club. Membership structures, golf, amenities, age rules, and CC&Rs are summarized for general information and can change. Homes are resale; condition varies, so always get a licensed home inspection. Verify all figures and rules with the association, the club, or your licensed agent before you buy. This page is independent buyer-focused information and is not affiliated with or endorsed by Tonto Verde. Jarl Kubat is a licensed Arizona real estate agent.