Cottonwood Homes with Conventional New Financing

Cottonwood Homes with Conventional New Financing

Welcome to Cottonwood, Arizona – a hidden gem nestled in the heart of Yavapai County. This charming city, known for its stunning landscapes and rich history, offers a perfect blend of small-town warmth and modern amenities. With a population that embraces community spirit, Cottonwood is an ideal place for families, retirees, and anyone looking to enjoy the serene beauty of Arizona.

Cottonwood is surrounded by breathtaking natural scenery, including the majestic red rocks of Sedona and the tranquil Verde River. Outdoor enthusiasts will find themselves in paradise, with ample opportunities for hiking, biking, and exploring the great outdoors. The city’s vibrant downtown area boasts unique shops, delightful eateries, and a lively arts scene, making it a fantastic spot to unwind and socialize.

For those considering a move to this picturesque area, Cottonwood offers a variety of homes that are eligible for conventional financing, making it easier than ever to secure your dream home. Whether you’re looking for a cozy bungalow, a spacious family home, or a charming historic property, the real estate options here cater to diverse tastes and budgets.

With its friendly atmosphere, stunning surroundings, and accessible financing options, Cottonwood is not just a place to live – it’s a community to thrive in. Discover the beauty and charm of Cottonwood, AZ, and take the first step toward making this delightful city your new home!

Newest Cottonwood Homes with Conventional New Financing

2 Beds ⋅ 2 Baths ⋅ 7058862 MLS ⋅ 1,502 SqFt.

Designed for simplicity and style, The Grove offers a streamlined layout that makes the most of every square foot. With 2 bedrooms plus den this floor plan provides the flexibility you need-whether you're creating a guest space or home office. We have upgraded this home to include double vanities in the Primary bath and disc lighting and luxury vinyl plank flooring throughout. The Kitchen is styled with 36'' soft close cashew colored cabinets with satin nickel hardware and Quartz countertops, Stainless appliances and gas range. You will find the large covered patio perfect for entertaining. The main living areas feature a seamless, open-concept design, with a natural flow from the kitchen to the dining and family room. Home is pre-plumbed for a soft water system. Vineyards at Cottonwood by Davidson Homes offers exceptional new home living in the heart of Cottonwood, AZ. Situated just minutes from historic Old Town Cottonwood and its lively Main Street, this community places you close to the best of the Verde Valley lifestyle. Surrounded by natural beauty and outdoor adventure opportunities, Vineyards at Cottonwood blends small-town charm with modern convenience. Enjoy thoughtfully designed floor plans, quality craftsmanship, and easy access to outdoor activities like hiking and biking, and the scenic Verde River. Discover a community where comfort meets connection - all in one of Cottonwood's most desirable locations.

997 Annas Avenue, Cottonwood

2 Beds ⋅ 2 Baths ⋅ 7058508 MLS ⋅ 982 SqFt.

Awesome garden level 2 bed/2 bath condo in gated community private corner unit w/covered patio. Functional floor plan split master & many extra closets. Nice size bathrooms and vanities. All 4 kitchen appliances included + unit stackable washer & dryer. Newer AC & hot water heater. Fans where it counts + gas fireplace to keep you comfortable. Updated lighting & neutral paint colors. Only 1 common wall, largest outdoor area in the complex, Community gym & pool across the street. Exterior just painted. Walk to parks, library, post office, cafes, trails, Rec center, science vortex. One of few decent places under 300K w/1 car GARAGE. 25 min to W Sedona, hour to Prescott, Phoenix or Flagstaff. HOA includes water, trash, roof, exterior ins & landscape & maintenance. What are you waiting on?!

950 E Mingus Avenue Unit 412, Cottonwood

2 Beds ⋅ 2 Baths ⋅ 7058487 MLS ⋅ 1,278 SqFt.

Come enjoy the Cottonwood Ranch Community where it's Resort Living all year round. A beautiful clubhouse with various activities, a salt water heated pool, spa, full work out facility. Hiking biking and walking trails and walkways throughout the neighborhood. A park with a playground and basketball courts. This is a move in ready Breckenridge Model, the most desirable. It has updated floors, Baths and Kitchen. Also, updated light fixtures and fans. The kitchen has granite counters, pull out drawers and stainless appliances. The home is located on a cul-de-sac, with big shade trees. Extended patio with pavers. Has a water softener & a new hot water heater. It has an extended garage with a work bench. PUT THIS ON THE TOP OF YOUR LIST TO SEE11

80 S Campfire Circle, Cottonwood

2 Beds ⋅ 1 Baths ⋅ 7058351 MLS ⋅ 728 SqFt.

Welcome to affordable Cottonwood living in the serene Cottonwood Heights Manufactured Home Community! This well-maintained, built in 2000, 2-bedroom, one bathroom Redman home offers an efficient layout with 850 sq ft of comfortable living space. Features include vinyl flooring throughout, a light-filled living area with a ceiling fan, a bright dinette area, and three newly installed high-efficiency ductless mini-split A/C units for ideal year-round climate control. Enjoy a low-maintenance, fully fenced backyard with shade trees, a covered concrete patio, and a heavy-duty 2-car metal carport. Situated in a clean, quiet neighborhood near local amenities, this move-in-ready home also provides great potential for your personal touches! Nestled in the quiet and meticulously maintained Cottonwood Heights community, this property offers an unbeatable combination of affordability, comfort, and potential. Whether you are looking for a low-maintenance primary residence, a lock-and-leave seasonal getaway, or an accessible entry point into the local housing market, this home delivers tremendous value. Bright & Airy Living Space: Open living room featuring large windows and an overhead ceiling fan for optimal air circulation and extra cooling. Equipped with three newly installed ductless mini-split A/C and heating units for targeted, high-efficiency zone cooling and heating. Secure, private backyard space shaded by mature trees, ideal for pets, gardening, or outdoor hobbies. Sturdy 2-car metal carport protecting your vehicles from the Arizona sun, with convenient side access into the home. Move-in ready as-is with plenty of opportunity to add your own modern improvements and personalized touches over time!

656 S 2nd Street, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7058314 MLS ⋅ 1,876 SqFt.

Looking for the peace and tranquility, view this lovely home on the golf course at Coyote Hills Golf course, let me mention some of the upgrades: granite counter tops, custom backsplash in kitchen, appliances are newer, tasteful custom colors throughout, fireplace (electric) creates ambience with shelving for our treasures, garage is oversized for storage and parking larger vehicles, split floor plan, outdoor living on covered front & back decks, Enjoy the breezes and listen to the Pine Trees, smell the fresh cut grass from the golf course, Grab a coffee and enjoy one of the decks with the views of the Mingus Mountains, Perfect location! Best lot in the park.

2050 W Sr 89-A -- Unit 307, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7057987 MLS ⋅ 1,297 SqFt.

Enjoy affordable Cottonwood living with land, privacy, and room to make it your own! Tucked at the end of a quiet cul-de-sac, this 3-bedroom, 2-bath manufactured home sits on a fully fenced .42-acre lot with mature trees, mountain views, and usable outdoor space. A wall was removed to create a more open kitchen and living area, while the center island, granite countertops, and white cabinetry add workspace, storage, and casual seating. The roof was fully replaced approximately four years ago. Situated on owned land with no lot rent, the property also features leased solar, natural gas, a shared well, and a septic system. A practical starter home, investment, or downsizing option with room for future cosmetic updates, only fifteen minutes away from the beautiful Sedona red rocks. Owner has had an APS credit and $0 bill for years

3825 E Cassie Lane, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7056640 MLS ⋅ 1,760 SqFt.

This Beautifully Upgraded Home Features a Split Floor Plan for Privacy. Elegant Tile and High Grade Laminate Flooring Throughout. No Carpet!! The Kitchen has Granite Countertops, Custom Cabinets with Pullouts, Newer Appliances, and Reverse Osmosis Drinking Water System. Modern Touches Include USB-C Outlets in Every Room, Custom Window Coverings, Gas Fireplace, Huge Laundry Room and Stylish Light Fixtures. This is One of the Few Homes with a Three Car Garage. You Will Love the Low-Maintenance Landscaped Yard and Incredibly Low $50.00/Year HOA Make This a Rare Find. Don't Miss Out!!

1355 E Ridgeview Drive, Cottonwood

2 Beds ⋅ 2 Baths ⋅ 7056443 MLS ⋅ 840 SqFt.

Looking for a well taken care of 2 bed. 2 bath split floor plan, has a screened in porch area for relaxing in the evening or having morning coffee. The roof and the heating and air conditioner have been replaced in the last 5 years. Vaulted ceilings, all appliances stay. Seller will leave some furniture for new buyer. Has a shed with a workbench. Park offers clubhouse with pool, spa and activities. This is a 55 plus park, can have 2 dogs under 40#. Park rent is 830. then water & sewer is added. Trash is included.

325 State Route 89a -- Unit 64, Cottonwood

2 Beds ⋅ 2 Baths ⋅ 7055452 MLS ⋅ 1,389 SqFt.

Enjoy yourself on a deck with views of the golf course and Mingus Mountain Views, located on the 8th Fairway, private setting, Large eat-in kitchen, Breakfast bar & Island, Built-in electric fireplace with bookshelf, oversized 2 car garage with side entrance, Newer Water Softener, split floor plan, screen door, pleated shades on most windows, Roman Shades & wooden blinds, skylights, water softener, Clerestory Windows, Ceilings fans, easy to see!

1039 W On The Greens Boulevard, Cottonwood

5 Beds ⋅ 4 Baths ⋅ 7054601 MLS ⋅ 3,650 SqFt.

This is truly a magical space. Once you enter the grand solid maple door, you are transported into a sanctuary of country luxury where no detail has been spared.Completed in 2022 by the highly regarded Noble Heritage Builders, this virtually brand-new 3,650-square-foot masterpiece is a rare Verde Valley ''Unicorn'' offering the ultimate combination of modern elegance and self-sufficient estate living. The heart of the home is an absolute showstopper of a kitchen, custom-designed for those who truly love to cook. This enormous culinary space features gorgeous marble countertops, custom cabinetry stretching all the way to the ceiling with elegant in-cabinet lighting, space for an oversized refrigerator, and a truly gigantic, highly functional walk-in pantry. Professional-grade features abound, including a premium eight-burner Forno gas range, a convenient pot filler, and a professional ventilation hood. The main level flows effortlessly from the kitchen into a bright, open living area, a private den perfect for a home office, and four spacious bedrooms. Upstairs, a versatile 750-square-foot private retreat awaits, complete with a fifth bedroom, a full bathroom, and a massive bonus room ideal for movie nights, gaming, or a creative space. Step outside to discover a lush, irrigated park-like oasis on a nearly one-acre lot (0.93 acres) with highly coveted irrigation rights through the Cottonwood Ditch Association--an invaluable asset that keeps the grounds beautifully green. Uniquely positioned entirely outside of any designated flood zone and with absolutely no HOA restrictions, this property offers ultimate freedom. The sprawling backyard features a custom-built, fully insulated playhouse, and an orchard of almond, walnut, plum, apricot, peach, apple, and mature mulberry trees, among others. A ten-foot RV gate with 50-amp hookups. A 40 amp EV plug in in the garage, exceptionally low utility bills, a quiet whole house fan to enjoy the cool morning air, abundant space to add a custom pool, pergola or outdoor pavilion. While the property feels like a secluded country hideaway, it is situated right in the heart of Cottonwood. You are just minutes from Old Town, mountain biking, hiking, and fishing, vibrant local dining, shopping, and healthcare, and a scenic short drive to the red rocks and world class hiking of Sedona and the historic charm and views of Jerome. This is more than a home; this is a legacy estate where you truly can have it all.

1830 E Kerley Lane, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7053379 MLS ⋅ 1,584 SqFt.

Charming 1960 single-level ranch on .89 acre in a quiet corner of Cottonwood -- no HOA, no compromises. This 3BR/2BA home offers approximately 1,600 sq ft of comfortable living space with major systems already updated: new HVAC, new roof, and brand-new windows throughout, plus a refreshed kitchen ready for your finishing touches. Step outside and the real magic begins. Towering shade trees -- including a massive nut-bearing pecan and a statuesque mature white oak -- canopy the property alongside fruit trees, creating a private, park-like setting that's rare to find. Flood irrigation keeps the grass lush and green with minimal effort, and the .89 acre lot leaves plenty of room to expand, garden, or simply spread out. Hosting family or friends with RVs? Two RV hookups ready to use.

1460 S Bates Road, Cottonwood

2 Beds ⋅ 2 Baths ⋅ 7052359 MLS ⋅ 1,418 SqFt.

Location, comfort, and peaceful views come together in this move-in-ready 2 BR, 2 Bath home! Conveniently located close to shopping, medical and Old Town Cottonwood, with its boutique shops, wine tasting and gourmet dining opportunities, this home offers the perfect blend of accessibility and tranquility. Fresh interior paint, newer exterior paint, a new roof, newer heating & cooling unit, updated fixtures, and a cozy living room fireplace add style and value. The functional floor plan includes a dedicated laundry room with a sink and an attached 2-car garage. Step onto the open back patio and enjoy relaxing views of the green area and scenic pond behind the home. Don't miss this opportunity to own a beautifully refreshed home in an unbeatable location!

585 S Mill Drive, Cottonwood

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