Cottonwood Homes with FHA New Financing

Cottonwood Homes with FHA New Financing

Cottonwood, Arizona, located in Yavapai County, is a charming city that offers a desirable living environment for residents and visitors alike. With its stunning natural beauty, mild climate, and a wide range of amenities, Cottonwood has become a sought-after destination for those looking to settle down or invest in real estate.

One of the advantages of buying a home in Cottonwood is the availability of FHA new financing options. The Federal Housing Administration (FHA) provides loans that are insured by the government, making it easier for homebuyers to secure financing, especially for first-time buyers or those with lower credit scores. This means that individuals who may have faced challenges in obtaining traditional loans can still achieve their dream of homeownership in Cottonwood.

The city of Cottonwood boasts a variety of housing options to suit different preferences and budgets. From cozy single-family homes to spacious condos and townhouses, there is something for everyone. With FHA financing, buyers can take advantage of low down payment requirements and flexible credit guidelines, making it an attractive choice for many.

In addition to its real estate opportunities, Cottonwood offers a vibrant community with a rich history, cultural attractions, and outdoor recreational activities. Residents can explore the historic downtown area, visit local wineries and vineyards, or enjoy hiking, biking, and fishing in the nearby national forests and parks.

Whether you are a first-time homebuyer or an experienced investor, Cottonwood's combination of FHA financing options and its appealing cityscape make it an excellent place to find your dream home.

Newest Cottonwood Homes with FHA New Financing

3 Beds ⋅ 2 Baths ⋅ 7062148 MLS ⋅ 1,650 SqFt.

Elevate your lifestyle with this exquisite new construction home found in the gated enclave of Mesquite Hills Community! Introducing the Sterling Plan. This meticulously crafted single-story home offers a harmonious blend of style and practicality. The open-concept great room flows effortlessly into the dining area and a modern kitchen, complete with granite counters, stainless steel appliances, an island, and a pantry. The primary suite provides a serene escape with a walk-in closet and an en-suite bathroom featuring a double vanity. Two additional bedrooms offer generous space, with one including a walk-in closet. The home also features a second bathroom, a welcoming foyer, and a large laundry room for added convenience.

1875 Sunset Drive, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7061829 MLS ⋅ 2,103 SqFt.

Don't miss this incredible opportunity to own a beautifully maintained custom-built home situated on almost ½ an acre. Offering 3 spacious bedrooms, 2 bathrooms, plus both a living room and a separate family room, there's plenty of space to relax, entertain, and make lasting memories. Pride of ownership shines throughout this move-in ready home, featuring a NEW HVAC and ROOF, giving buyers added peace of mind. Additional space to build an elevated patio to have an unobstructed view of the Sedona Red Rocks! Whether you're looking for extra space, quality construction, or exceptional value, this home checks all the boxes. Priced to sell, this is an opportunity you won't want to miss!

2263 E Rio Mesa Trail, Cottonwood

3 Beds ⋅ 2 Baths ⋅ 7061704 MLS ⋅ 1,440 SqFt.

Every View Will Take Your Breath Away. Welcome to one of the community's most extraordinary homes, where panoramic Sedona Red Rock and Mingus Mountain views, spectacular Arizona sunrises and sunsets, and brilliant starlit Milky Way skies create a setting unlike any other. You'll appreciate the peace, privacy, and effortless luxury this exceptional home provides. Whether you're enjoying your morning coffee on the expansive, covered back patio or simply soaking in the incredible scenery from the enormous Great Room windows, every day feels like a retreat. Inside, the thoughtfully designed floor plan features two spacious bedrooms, two baths, and private den (3rd bedroom) with private porch. The open great room is filled with natural light. Soaring 9-foot tray ceiling, oversized windows, transom windows, and designer upgrades throughout including full house luxury vinyl floors. The beautifully appointed kitchen is as functional as it is stylish, offering abundant cabinetry with pull-out shelving, Corian countertops, a timeless white subway tile backsplash, upgraded stainless appliances, reverse osmosis, an oversized walk-in pantry, and a large chef's center island. The spacious primary suite has a luxurious ensuite bath featuring dual executive-height vanities, a beautifully tiled walk-in shower, a transom window above the mirror for natural light and a generous walk-in closet. An oversized laundry room with abundant cabinetry and storage, plus a garage with an elevated ceiling and 8-foot door, provide exceptional functionality. Outside, you'll enjoy the beautifully landscaped grounds with mature Dwarf Red Maple and Olive trees, but it's the front porch and the oversized fenced back porch that are really the stand-outs. The back porch spans the entire width of the house and offers plenty of space to relax and enjoy the incredible Sedona Red Rock and Mingus Mt views, the Stars and all of the natural beauty an that surrounds you. You'll see just about every bird and wild animal that lives in Arizona! Residents enjoy an exceptional resort-style lifestyle with championship golf, indoor heated pools and spa, yoga and fitness classes, a state-of-the-art fitness center, an on-site restaurant, and some of Arizona's finest dining just minutes away. This is far more than a beautiful home--it's one of those rare properties that simply can't be duplicated. Incredible views, unmatched privacy, designer finishes, and an unbeatable lifestyle come together in a home you'll never want to leave. And with this exceptional price, it won't be available for long. Come see it and make it yours!

635 Couples Drive, Cottonwood

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

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

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

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