Cottonwood Homes with Cash New Financing

Cottonwood Homes with Cash New Financing

Welcome to Cottonwood, Arizona, a hidden gem nestled in the heart of Yavapai County! Known for its stunning landscapes, vibrant community, and rich history, Cottonwood offers a perfect blend of small-town charm and modern amenities. With the majestic red rocks of Sedona just a short drive away and the serene beauty of the Verde River winding through the area, residents enjoy a lifestyle that is both tranquil and adventurous.

Cottonwood is a city that embraces its heritage while looking towards the future. The downtown area is bustling with local shops, delightful eateries, and cultural attractions, making it a hub for community gatherings and events. Whether you're exploring the local wineries, hiking the scenic trails, or enjoying live music at one of the many festivals, there's always something happening in Cottonwood.

For those considering a move to this enchanting city, you'll be pleased to know that homes in Cottonwood are more accessible than ever, thanks to cash new financing options. This means that whether you're a first-time homebuyer or looking to invest, you'll find a variety of properties that cater to your needs. From charming single-family homes to contemporary condos, Cottonwood boasts a diverse real estate market that can accommodate any lifestyle.

With its welcoming atmosphere, stunning natural beauty, and favorable financing options, Cottonwood is not just a place to live—it's a place to thrive. Come discover the magic of Cottonwood, where your dream home awaits!

Newest Cottonwood Homes with Cash New Financing

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

Prime building lot in a great location. This slightly elevated lot is unique in its views and has unobstructed views to the East toward Sedona and to the South toward Mingus Mountain. Surrounded by established homes and some new builds. Paved roads, utilities are all available. BRING YOUR BUILDER. Just minutes to the Skidmore and Prairie Lane Recreation Verde River access points and to the Conservation area and trails of the Verde River. Great for bird watchers, nature lovers and known for bank fishing for rainbow trout and bass. Close by shopping, dining and conveniences of Cottonwood but still in a quiet community. The community has a club house, pond and trails.

2596 S Rio Verde Drive Unit 433, Cottonwood

2 Beds ⋅ 1 Baths ⋅ 7059123 MLS ⋅ 720 SqFt.

THE DEAL OF THE DAY, COME SEE THE POTENTIAL. It needs some finishing touches, but you can make this your home. Kitchen, bath and flooring were done in 2024. The HVAC also has been updated. All appliances stay. Has a ramp in back for handicap access. SELLER IS SELLIING ''AS IS'' AT THIS PRICE. BUYER WILL BE RESPONSIBLE FOR ANY REPAIRS. A covered patio and shed in back. This is a 55+ park. Buyer will need to qualify for park. Leased land amount is 830. Plus water & sewer ( aprx. 923)

325 State Route 89 A -- Unit 15, Cottonwood

This mostly level lot is surrounded by lush greenery and custom homes at the end of a cul-de-sac. Just a short stroll through an old growth Cottonwood tree forest to one of Arizona's last year round running rivers. The Verde River offers endless activities such as fishing, kayaking, bird watching, swimming and more. Water and electricity available at lot lines, buyer to verify. Septic will need to be installed. Lot sits in AE Flood Zone. Walk this property today and see all it has to offer in person.

4857 E Badger Circle Unit 2316, Cottonwood

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 ⋅ 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

Hillside lot in an established a quiet neighborhood setting minutes from Old Town Cottonwood, shopping, wineries, and the Verde River. Buyer to verify utilities, zoning, floodplain, and development costs with the appropriate agencies.

2324 S Valley Drive Unit 702, Cottonwood

Start Your Search

All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. Copyright 2026 Arizona Regional Multiple Listing Service, Inc. All rights reserved.