Cottonwood Homes with FHA New Financing

Cottonwood Homes with FHA New Financing

Welcome to Cottonwood, Arizona, a charming gem nestled in the heart of Yavapai County. Known for its stunning red rock formations, vibrant arts scene, and a rich history that dates back to the late 1800s, Cottonwood offers a unique blend of small-town warmth and modern conveniences. With its picturesque landscapes and friendly community, it’s no wonder that this city is becoming a sought-after destination for homebuyers looking to settle in a serene yet lively environment.

Cottonwood boasts a variety of recreational opportunities, from hiking and biking trails to the scenic Verde River, perfect for kayaking and fishing. The city is also home to a thriving downtown area filled with eclectic shops, delightful eateries, and local wineries, providing residents with plenty of options for entertainment and leisure.

For those looking to purchase a home, Cottonwood presents an array of options, including properties eligible for FHA financing. With FHA New Financing available, first-time homebuyers and those looking to invest in real estate can take advantage of lower down payment requirements and more lenient credit score guidelines. This makes it easier than ever to find your dream home in this picturesque Arizona town.

Whether you’re drawn by the stunning views, the rich cultural heritage, or the welcoming community, Cottonwood is ready to embrace you. Explore the homes available with FHA New Financing today and discover the perfect place to call your own in this beautiful corner of Arizona!

Newest Cottonwood Homes with FHA 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

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

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

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

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

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

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