Cottonwood Homes with VA Loan New Financing

Cottonwood Homes with VA Loan New Financing

Welcome to Cottonwood, Arizona—a charming gem nestled in the heart of Yavapai County. Known for its rich history, stunning landscapes, and vibrant community, Cottonwood offers a unique blend of small-town charm and modern amenities. Surrounded by the breathtaking beauty of the Verde Valley, residents enjoy easy access to outdoor adventures, including hiking, biking, and exploring the nearby Red Rock State Park and the majestic Oak Creek Canyon.

Cottonwood boasts a delightful downtown area filled with boutique shops, art galleries, and a variety of restaurants that cater to all tastes. The city is also home to numerous wineries, making it a perfect destination for those who appreciate fine wines and scenic vineyard views. With a strong sense of community, Cottonwood hosts numerous events throughout the year, including festivals, farmers' markets, and art walks, ensuring there’s always something happening.

For veterans and active-duty service members looking to settle in this picturesque city, Cottonwood offers homes that qualify for VA Loan New Financing. This financing option makes homeownership more accessible, allowing you to invest in a property without the burden of a down payment. With a range of homes available—from cozy single-family residences to spacious modern designs—there’s something for everyone in this welcoming community.

Whether you’re seeking a peaceful retreat or an active lifestyle, Cottonwood invites you to discover the perfect place to call home. Experience the warmth of the community, the beauty of the landscape, and the ease of home financing with VA Loans in this enchanting Arizona city. Your dream home awaits!

Newest Cottonwood Homes with VA Loan 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 ⋅ 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

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

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

3 Beds ⋅ 2 Baths ⋅ 7052214 MLS ⋅ 1,546 SqFt.

Wonderful home on corner lot with AWESOME Views of Sedona Red Rock, Mingus Mountians & Jerome. Fenceed back yard, two storage building & extra covered parking for RV's, boat, landscaping trailers, lots of off street parking, 2 car garage with extra storage cabinets. Easy access to shopping, hospital, restaurants, etc. Beautiful Natural Gas fireplace, new kitchen appliances, easy to maintain desert landscaping, covered back patio, much more. Interior & Exterior furniture stays with the home, so move in ready. POA was recently deactivated, so not sure if the POA pool is still available or not. Buyer to verify-TBD Staging accents & inventory will not stay with sale, Staging Company owns those items.

1535 E Rio Mesa Trail, Cottonwood

4 Beds ⋅ 2 Baths ⋅ 7051847 MLS ⋅ 1,793 SqFt.

Are you looking for a HORSE PROPERTY IN TOWN?? Well, you have found it! This remodeled gorgeous manufactured home on almost an acre allows 2 horses and farm animals! It also comes with an above ground pool, many storage/ outbuildings, chicken coops, pens, and sheds. Currently one side of the closed in carport is set up as the sellers Salon, and the other side is a chick brooder room, so it offers the opportunity for multiple uses, both rooms have AC. The current home is fully electric, although there are propane hook ups in place if desired. This is a very unusual find in Cottonwood, especially at this price point! The portable horse panels and kennel do not convey. Please be mindful of the animals when on the property, and please have agent accompany before accessing The property, due to animal safety. Come check out your own little mini farm just in the edge of town, it's the perfect combination of rural life, but still close to doctors, shopping, restaurants, and Old Town Cottonwood entertainment

430 S Rocking Chair Ranch Road, Cottonwood

3 Beds ⋅ 3 Baths ⋅ 7051473 MLS ⋅ 1,813 SqFt.

Enjoy comfortable living in this beautifully maintained 3-bedroom, 3-bath home with a spacious 3-car garage. The desirable split-bedroom floor plan offers privacy, while the open great room seamlessly connects the kitchen, dining, and family room--perfect for everyday living and entertaining. Relax by the cozy gas fireplace in the living room or retreat to bedrooms featuring brand-new carpet. Step outside to a fabulous fenced backyard where you'll enjoy stunning Red Rock views, ideal for outdoor dining, relaxing, or simply taking in the scenery. This move-in-ready home combines comfort, functionality, and an unbeatable setting!

1723 S Gold Rush Road, Cottonwood

4 Beds ⋅ 2 Baths ⋅ 7051311 MLS ⋅ 2,373 SqFt.

This is the home you have been waiting for- location, location, location! Meticulously maintained and truly move-in ready, this exceptional property reflects pride of ownership inside & out. Thoughtful updates include the kitchen, bathrooms, flooring, windows, lighting, fans, and mini -split systems. Additional features include owned solar panels with battery backup, an electric vehicle hookup, gas fireplace, kitchen island, Nuvo water softener, reverse osmosis system, Murphy bed & dedicated office space. The professionally landscaped exterior offers an extended covered patio with beautiful mountain views & open land behind the home, while the garage features a finished floor & added cabinetry for convenient storage. Enjoy resort-style living year-round with walking, hiking, biking paths a clubhouse with a variety of activities, a heated saltwater pool, spa, fully equipped fitness center, and a park. This beautifully updated home offers comfort, convenience, and an exceptional lifestyle.

330 S Desperado Drive, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7050938 MLS ⋅ 1,496 SqFt.

Enjoy comfortable Verde Valley living in this well-maintained 3-bedroom, 2-bath home located on a quiet cul-de-sac in Cottonwood. Designed for both everyday comfort and easy entertaining, the inviting floor plan offers spacious living areas filled with natural light. Take in beautiful surrounding views from the property while enjoying the privacy and versatility of the outdoor space. RV parking provides added convenience for your recreational vehicles, toys, or extra parking needs.

2381 S Puma Circle, Cottonwood

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