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

$679,900
3 Beds ⋅ 2 Baths ⋅ 7085536 MLS ⋅ 2,210 SqFt.
Welcome to 2324 Gold Rush Lane in desirable Mesquite Hills! Built in 2017, this 2,210-square-foot home offers an open great room, granite kitchen with knotty alder cabinetry, tile & engineered wood flooring throughout, and a spacious den with its own heating and cooling. Enjoy sunrise coffee on the southeast-facing front patio, then unwind on the oversized covered back patio as the sun sets over the open space beyond your fenced yard. A backyard gate leads to a path and nearby walking trails. An extended paver patio, fire pit, and three-car tandem garage add to the appeal. Inside, tile & engineered wood flooring extends throughout the home, with large-format tile in the main living areas and plank tile in the bedrooms. The kitchen brings everyone together around a granite-topped island and features staggered knotty alder cabinetry, an extended wall of cabinets, a walk-in pantry, and stainless steel appliances, including a built-in gas range. A striking dining light fixture adds warmth to the open great room, while a sliding door makes it easy to move between indoor living and the covered patio. The owners added a generous 11'8" × 25' den/Bonus Room with its own mini-split heating and cooling system, and tons of art wall lighting--flexible space for a studio, office, media room, or hobbies. The primary suite has its own backyard slider and a transom window that welcomes natural light. Its bathroom offers dual vanities, a tiled walk-in shower, a walk-in closet, a separate water closet, and a linen closet. Outside, an extended paver patio and fire pit create more room to gather. A Palo Verde tree and banks roses soften the landscape. Practical touches include a separate laundry room, wood blinds, and a three-car tandem garage with an epoxy floor, built-in cabinets, and a side utility door. With open space behind it and trails close at hand, this home offers a lovely balance of comfort and connection to the outdoors.

2324 Gold Rush Lane, Cottonwood
$280,000
2 Beds ⋅ 2 Baths ⋅ 7085029 MLS ⋅ 1,024 SqFt.
Welcome to this updated 2-bedroom, 2-bath manufactured home situated on approximately 0.82 acres! The interior has been thoughtfully updated, offering a comfortable and move-in-ready space. Outside, the expansive lot provides plenty of room to create your own yard, garden, entertaining area, or outdoor retreat. A storage shed adds convenient space for tools, equipment, and additional storage. With a generous lot and a refreshed interior, this property offers the opportunity to enjoy space, flexibility, and the freedom to make the property your own.

3970 E Massai Circle, Cottonwood
$769,000
3 Beds ⋅ 2 Baths ⋅ 7084808 MLS ⋅ 1,889 SqFt.
Attractive and quality home- inside and out. Gorgeously remodeled (See documents tab) and short-term rental turnkey, including furnishings, fully stocked, and and many bookings on the calendar. Open floor plan with lots of natural light. Beautiful unobstructed views of Mingus Mountain and desert landscape. No hoa, has sewer and natural gas. Plenty of space to park a trailer or RV. Home is on a Tesla Solar system with a low ($104) grandfathered monthly cost. This active short-term rental earned $90k+ in the last 12 months. Has the potential to be a 5 bedroom/3 bath. Close escrow with STR revenue immediately coming in and future bookings on the calendar.

1105 S Chuckawalla Drive, Cottonwood
$479,000
3 Beds ⋅ 2 Baths ⋅ 7083852 MLS ⋅ 1,807 SqFt.
Some homes whisper ''welcome home.'' This one practically shouts it -- with a spacious back deck framing panoramic views of Mingus Mountain that'll make your morning coffee feel like a retreat and your evening glass of wine feel like a victory lap. Tucked on nearly half an acre in Cottonwood, this 3-bedroom, 2-bathroom home gives you 1,807 square feet of solid, well-loved living space - built in 1987 and updated where it counts. The kitchen has been refreshed with new flooring and finishes, so you can skip the renovation stress and get straight to the good part. And that roof? Just 4 years old, so it's not going anywhere for a good long while. Outside, mature landscaping wraps the property in privacy and character - the kind you can't fake with a few starter shrubs. There's a two-car garage for the essentials, room to park an RV (with a little modification), and a backyard shed ready to swallow all the stuff you don't know where else to put. Oh, and natural gas runs straight to the property, because efficiency shouldn't be an afterthought. Half an acre. Mountain views. A kitchen that's ready to go. This one's got the goods -- come see for yourself.

1045 E Bow Maker Trail, Cottonwood
$380,000
2 Beds ⋅ 2 Baths ⋅ 7083748 MLS ⋅ 1,278 SqFt.
2 bedroon / 2 bath on premium lot in Cottonwood Ranch. Open concept living with split floor plan. 2 car garage, newer HVAC.

85 S Sagebrush Way, Cottonwood
$275,000
2 Beds ⋅ 2 Baths ⋅ 7083609 MLS ⋅ 1,017 SqFt.
Enjoy the convenience of this centrally located Aspen Shadows patio home with a well thought out two bedroom floorplan., The kitchen connects nicely with the living room, and one bedroom has an en suite bathroom while the other bedroom has a shared bath. You'll appreciate the low maintenance landscaping and decent sized back yard. The two car garage is super clean and has a door connecting to the laundry room. The laundry room is sizable allowing for multiple uses, and can also be accessed off of the back patio. Complete with a brand new furnace and AC, and dishwasher.

809 E Kathy Court, Cottonwood
$279,000
2 Beds ⋅ 2 Baths ⋅ 7083564 MLS ⋅ 1,620 SqFt.
Gorgeous home on a corner lot in On The Greens 55 plus home park. This home was designed by the owner who was a builder. Living room and kitchen have hardwood plank floors. KItchen cabinets, bathroom cabinets,and center counter are knotty alder hardwood, Tops are lovely quartz Many custom features throughout. Spacious front porch and back porch . Plantation shutters thru out add to the beauty of the home

1008 N Palmer Place, Cottonwood
$425,000
3 Beds ⋅ 2 Baths ⋅ 7082638 MLS ⋅ 1,695 SqFt.
Welcome to this 3-bedroom, 2-bath home in the desirable Cottonwood Ranch subdivision offering 1,695 sq ft of living space with freshly painted interior walls. The light-filled living area features a wood-burning stove, while an Arizona room provides additional flexible space. The split floor plan offers separation between the primary suite and two guest bedrooms. The primary suite features a large walk-in closet, dual sinks and a walk-in shower. A separate laundry room is conveniently located off the 2-car garage. Cottonwood Ranch residents enjoy a beautiful community pool and hot tub, fitness center, and miles of walking trails. Convenient to shopping and medical services, with Old Town Cottonwood nearby for boutiques, galleries, restaurants, wine tasting rooms and more.

1800 W Desert Willow Drive, Cottonwood
$499,900
3 Beds ⋅ 2 Baths ⋅ 7081694 MLS ⋅ 1,596 SqFt.
Brand-new construction with unmatched freedom and stunning mountain views! Tucked away on a quiet street with evident pride of ownership, this 3-bedroom, 2-bathroom single-story home sits on a spacious, fenced 1/4-acre lot with NO HOA and NO rental restrictions. Step inside to find an open thoughtfully designed living space featuring a cozy gas fireplace accented with custom stone veneer--mirroring the eye-catching stone accents on the front elevation. Enjoy peace of mind with an included 2-year workmanship warranty! Outside, take in panoramic mountain views surrounded by low-maintenance desert landscaping, along with dedicated RV parking and space for all your toys. Conveniently located minutes from Cottonwood healthcare, shopping, and dining, just a quick, scenic drive to Sedona.

669 E Alvarado Lane, Cottonwood
$664,900
3 Beds ⋅ 2 Baths ⋅ 7081469 MLS ⋅ 1,649 SqFt.
Tucked Away in Verde Palisades, Mingus & Redrock views from this well constructed Mickels home on .99 of an acre. lovely ADU dwelling that has a mini split for heating & cooling, very tasteful granite countertops with a drop-in sink, Stainless appliances & RO System, skylights & solar tube, Arizona room off the master bedroom, built in buffet, living room has vaulted ceilings, easy care landscaping with turf. RV hookups with electric & septic, 3 sheds to store your treasures (one of the sheds has electricity & loft). 3 separate fenced areas to divide the farm animals, Electric solar gate for backyard entry, newer well pump, Arizona Room off master has large picture window & exterior door, Jacuzzi, Walk-in pantry, 3-year-old roof on both main house & guest, 2-year-old exterior paint.

1455 S Rainbow Drive, Cottonwood
$549,900
3 Beds ⋅ 2 Baths ⋅ 7080937 MLS ⋅ 1,695 SqFt.
Fully remodeled and move-in ready, this beautiful home in Cottonwood Ranch sits at the base of Mingus Mountain and offers modern style, comfort, and an easy Arizona lifestyle. Thoughtfully updated from top to bottom, the home features hard-surface flooring throughout, brand-new cabinetry, quartz countertops, new stainless-steel appliances, updated lighting, and new window shutters, creating a fresh and contemporary feel. The HVAC system was updated in 2023, and the owned solar system adds an attractive energy-efficiency benefit. The spacious primary suite overlooks the backyard and features a beautifully remodeled en-suite bathroom. A well-designed split-bedroom floor plan provides excellent privacy and separation for guests, family members, an office, or hobbies. Step outside to the covered patio spanning the back of the home, where you can relax, enjoy the surrounding views, and embrace the slower pace of life Cottonwood Ranch is known for. The community offers scenic walking trails that wind throughout the neighborhood, along with a beautiful clubhouse and pool. This is truly a special opportunity--beautifully remodeled, thoughtfully upgraded, and ready for you to simply move in and enjoy.

355 S Latigo Way, Cottonwood
$479,000
3 Beds ⋅ 2 Baths ⋅ 7079589 MLS ⋅ 1,651 SqFt.
Move-in ready, this 3-bedroom, 2-bath home offers comfort, style, and smart upgrades in one of Cottonwood's most desirable locations. The open layout features vinyl plank flooring, upgraded carpet, wood shutters, and honeycomb blinds for added efficiency. The kitchen includes granite countertops, soft-close cabinetry, a walk-in pantry, oversized island, upgraded 5-burner gas range, and Tiffany-style lighting. The primary suite offers patio access, dual vanities, tiled walk-in shower, and walk-in closet. Enjoy a tiled covered patio, mature landscaping, planter boxes, and a 2-car garage with overhead storage. Minutes from Old Town Cottonwood, wineries, dining, trails, and more!The Coyote Trail Golf Course is just steps away from your house.

1505 Chateau Drive, Cottonwood
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