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. Known for its stunning landscapes and rich history, Cottonwood offers a unique blend of small-town charm and modern amenities. With the majestic backdrop of the Verde Valley and the nearby Mingus Mountains, outdoor enthusiasts will find themselves in paradise, whether it’s hiking, biking, or simply soaking in the breathtaking views.

Cottonwood is not just about nature; it boasts a vibrant community with a thriving arts scene, eclectic shops, and delightful dining options. The historic Old Town area is a must-visit, where you can explore local galleries, unique boutiques, and enjoy delicious cuisine from farm-to-table restaurants. The town’s friendly atmosphere and strong sense of community make it an ideal place for families and individuals alike.

For those considering a move to this picturesque locale, Cottonwood offers a variety of homes that are accessible through conventional new financing options. Whether you’re looking for a cozy single-family home, a modern townhouse, or a spacious property with room to grow, there’s something for everyone. With favorable financing options available, your dream home in this enchanting city is within reach.

Living in Cottonwood means embracing a lifestyle that balances tranquility with adventure. Experience the warmth of a close-knit community, the beauty of nature, and the charm of a town steeped in history. Discover your perfect home in Cottonwood, where every day feels like a getaway!

Newest Cottonwood Homes with Conventional New Financing

$199,999
3 Beds ⋅ 2 Baths ⋅ 7061177 MLS ⋅ 1,081 SqFt.
3-bedroom, 2-bath manufactured home on owned land in Verde Village. Quiet street, .2 of an acre, no lot rent, and close to everything in Cottonwood with an easy drive to Sedona. Open, split floor plan, great starter home or rental. Priced to Sell. Property has owned solar, Brand new A/C and 2 sheds. Built in1996, CAVCO Model ES-40289A.

3369 E Granite Drive, Cottonwood
$439,000
2 Beds ⋅ 2 Baths ⋅ 7060773 MLS ⋅ 1,278 SqFt.
Looking for a great location with awesome views. This is the Breckenridge Model with owned solar. Pride of ownership shows, much has been updated. Kitchen has a lowered breakfast bar. Granite counters, stainless appliances. A coffee bar area. Newer cabinets. New laminate floors. Custom window coverings. Gas fireplace. Baths has new shower doors., light fix. Laundry room has been converted to an office and washer & dryer is in the garage, along with shelving. Yard is professionally landscaped. Side yard has walkway. Backyard has extended patio with pergola. Wall in back with wrought iron fencing. Sit out at night and enjoy the stars, A great place to entertain. Backyard has a garden potting area. Enjoy the resort life, A clubhouse, heated saltwater pool, spa, gym, park, trails. COME SEE!

1285 W Trail Blazer Drive, Cottonwood
$1,195,000
1 Beds ⋅ 1 Baths ⋅ 7060711 MLS
Located in the heart of Cottonwood, this quiet and well-kept RV park offers a unique investment opportunity with 10 RV spaces currently occupied by long-term residents, providing immediate in-place income and future upside. All RV space leases are month-to-month, creating an excellent opportunity for a new owner to increase rents over time. The property also includes a one-bedroom single-family home, currently leased to a sober living organization for $1,200 per month, but it would also make an ideal owner's residence or manager's home.IMPORTANT TO READ THE SUPPLIMENTAL SECTION! The property shows pride of ownership and features attractive touches throughout, including mature landscaping, shade trees, white picket fencing, and a neat, welcoming atmosphere. The single-family home appears nicely maintained with a bright interior, updated finishes, a charming dining nook, and an attractive bathroom. Residents also enjoy a common laundry room with coin-operated machines as well as a community BBQ area, adding convenience and appeal for tenants. The park is very quiet and offers a comfortable setting for long-term occupancy. Cottonwood is one of the Verde Valley's most desirable communities, known for its small-town charm, beautiful scenery, and strong tourism draw. The property is ideally situated between Jerome, Sedona, and Camp Verde, placing it near some of Northern Arizona's most popular attractions. Nearby highlights include Old Town Cottonwood, with its shops, restaurants, tasting rooms, and local events, as well as Tuzigoot National Monument, Dead Horse Ranch State Park, the Verde River, hiking and biking trails, wine country destinations, and countless outdoor recreation opportunities. This central location makes the property appealing for both residents and investors looking to benefit from the continued popularity of the Verde Valley. Buyer to verify all facts, figures, measurements, rents, lease terms, zoning, and any other material information. Cottonwood is located in the heart of Arizona's scenic Verde Valley, along the Verde River and between the communities of Sedona, Jerome, Clarkdale and Camp Verde. With an estimated 2025 population of approximately **12,700 residents**, Cottonwood combines the convenience of a regional commercial center with the relaxed character of a smaller Arizona community. Its elevation of roughly 3,300 to 3,900 feet provides a generally milder climate than the Phoenix metropolitan area. ### Major Employers and Economic Base Cottonwood serves as an employment, healthcare, retail and service hub for much of the Verde Valley. Major employment sectors include: * Healthcare and medical services, led by **Verde Valley Medical Center and Northern Arizona Healthcare** * Public education, including the **Cottonwood-Oak Creek School District** and **Mingus Union High School District** * Municipal and government services through the **City of Cottonwood** * Retail and consumer services, including major employers such as **Walmart, Home Depot, Fry's Food Stores, Safeway and Food City** * Hospitality, restaurants, wineries, tourism and recreation-related businesses The city actively supports business attraction, expansion, redevelopment and tourism-related economic development. ([Cottonwood AZ][2]) ### Tourism and Area Attractions Cottonwood is widely recognized as the **heart of the Verde Valley wine region**. Historic Old Town Cottonwood features a walkable Main Street lined with tasting rooms, restaurants, cafés, boutiques, antique stores, galleries and locally owned businesses. The Verde Valley Wine Trail connects Cottonwood with numerous nearby wineries, vineyards and tasting destinations. ([Old Town Cottonwood][3]) Nearby attractions include: **Sedona:** A convenient drive from Cottonwood, Sedona is internationally known for its red-rock scenery, art galleries, Jeep tours and more than 300 miles of hiking and biking trails. ([Visit Sedona][4]) **Jerome:** The historic hillside mining town of Jerome overlooks Cottonwood and the Verde Valley. Today, it is a popular visitor destination featuring historic buildings, museums, galleries, restaurants, specialty shops and sweeping valley views. ([Visit Arizona][5]) **Tuzigoot National Monument:** Located just outside Cottonwood, Tuzigoot preserves a historic 110-room hilltop pueblo built by the Sinagua people approximately 1,000 years ago. Visitors can explore the pueblo, museum and trails overlooking Tavasci Marsh and the Verde Valley. ([National Park Service][6]) **Dead Horse Ranch State Park:** Located in Cottonwood, this popular state park offers camping, fishing, kayaking, birdwatching, mountain biking and more than 20 miles of shared-use trails through high-desert and Verde River environments. ([Arizona State Parks][7]) **Verde River and Verde River Greenway:** The Verde River provides opportunities for paddling, fishing, wildlife viewing and scenic walks beneath mature cottonwood and sycamore trees. The Jail Trail River Walk begins near Old Town and follows a scenic 1.6-mile loop beside the river. ([Cottonwood AZ][8]) ### Recreation and Quality of Life Outdoor recreation is a major part of the Cottonwood lifestyle. Residents and visitors enjoy hiking, mountain biking, horseback riding, fishing, kayaking, birdwatching, stargazing and exploring nearby state and national parks. The Lime Kiln Trail also connects the Cottonwood area with Red Rock State Park near Sedona, providing a scenic regional trail route through the Verde Valley. ([Arizona State Parks][9]) With its central Verde Valley location, regional healthcare and shopping, historic downtown, expanding wine and tourism industries, and close proximity to Sedona, Jerome, Tuzigoot National Monument and extensive outdoor recreation, Cottonwood offers an attractive combination of small-town character, natural beauty and regional accessibility.

427 N 15th Street, Cottonwood
$330,000
3 Beds ⋅ 2 Baths ⋅ 7060270 MLS ⋅ 1,123 SqFt.
Opportunity meets value in this inviting 3-bedroom, 2-bath Cottonwood home--an excellent choice for a first-time buyer, downsizer, or investor. Situated on an elevated lot, the home enjoys added privacy and scenic surroundings. Several major improvements have already been completed, including a new roof and new HVAC system, offering welcome peace of mind for the next owner. Inside, the comfortable, functional floor plan makes everyday living easy, while the mostly fenced backyard provides space to relax, garden, entertain, or create an outdoor retreat. A two-car carport and additional storage room add everyday convenience. Homeowners may also choose to join the Verde Village Community Connection for access to the community pool, clubhouse, and other neighborhood amenities. Affordable, practical, and full of potential--this is a wonderful place to begin homeownership or add to an investment portfolio.

4253 E Mission Lane, Cottonwood
$545,000
3 Beds ⋅ 2 Baths ⋅ 7060211 MLS ⋅ 1,984 SqFt.
Beautifully updated and well cared for home in the highly desirable Cottonwood Ranch subdivision now available for purchase. Find reprieve from the summer heat with a brand new AC unit installed in May this year. The spacious kitchen is well apointed with granite countertops and updated stainless steel appliances. Enjoy multiple dining options with an area for a breakfast nook in the kitchen, as well as an area for a larger dining table in the open concept living space. Breakfast nook could also be utilized as an office area. The primary suite is extra spacious and includes a remodeled bathroom with a luxurious stand alone bath tub, a tiled shower, and two seperate vanities with quartz countertops. The other two bedrooms and bathroom are on the other side of home providing privacy and quiet for habitants or guests. Delight in a thoughtfully landscaped drought tolerant backyard with a large covered patio, perfectly set up to enjoy Arizona's finest sunsets. Cottonwood Ranch includes wonderful amentities such as a well equipped clubhouse with a work out room and a salt water pool. The community also boasts the sweetest park and tons of manicured grass and walking trails. Conveniently located near the community college and Southwest Wine Center. Fantastic restuarants and shopping is less than 2 miles away in historic Old Town. Inquire with agent about available furnishings.

2275 W Running Iron Lane, Cottonwood
$429,265
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
$250,000
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
$425,000
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
$99,000
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
$334,900
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
$489,000
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
$47,000
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
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