Cottonwood Homes with VA Loan New Financing

Welcome to Cottonwood, a charming city located in Yavapai County, Arizona. Known for its stunning natural beauty and rich history, Cottonwood offers a unique blend of small-town charm and modern amenities.

For those looking to make Cottonwood their home, there are plenty of options available, including homes eligible for VA loans. With VA loan financing options, prospective homeowners can take advantage of favorable terms and benefits designed specifically for veterans and active-duty service members.

Whether you're interested in a cozy bungalow in the heart of downtown Cottonwood or a spacious family home with panoramic views of the surrounding mountains, there are plenty of properties to choose from. The real estate market in Cottonwood is diverse, with options to suit every taste and budget.

In addition to its picturesque setting and affordable housing options, Cottonwood boasts a vibrant community with a thriving arts and culture scene, excellent schools, and plenty of outdoor recreational opportunities. From hiking and biking to wine tasting and shopping, there's always something to see and do in Cottonwood.

If you're considering making Cottonwood your new home, now is the perfect time to explore the available real estate options and take advantage of VA loan financing. Contact a local real estate agent today to learn more about the homes available in Cottonwood and start your journey to homeownership in this beautiful Arizona city.

Newest Cottonwood Homes with VA Loan New Financing

$499,000

3 Beds ⋅ 2 Baths ⋅ 7088405 MLS ⋅ 1,437 SqFt.

Riverfront Masterpiece. Elevated, new construction along the Verde River. Stunning views of the greenbelt, Cottonwood canopy. Private river access from your backyard! This 3 bed 2 bath was engineered and built to the highest standards. The downstairs is basically a 1,437 sqft carport that has endless opportunity and is a fantastic creative utility space. Minimalist, modern floor plan, has everything you need and was purpose built with sleek functionality top of mind. The back deck is spectacular, just needs a zipline down to the river! Whether you're looking for a solid investment property, STR, or forever home, this place is special. Schedule your tour today!

4812 E Comanche Drive, Cottonwood

$515,000

3 Beds ⋅ 2 Baths ⋅ 7088328 MLS ⋅ 1,152 SqFt.

Discover this charming Craftsman home in the heart of the booming Old Town Cottonwood neighborhood. 'The Heart of Arizona Wine Country' has so much to offer, with tons of wineries, art galleries, shops and restaurants within walking distance, as well as parks and river access, this home provides a very walkable, peaceful and desirable lifestyle. The historic charm has been preserved and elevated, with a full remodel down to the studs in 2023. This property is ideal for a first-time home buyer who wants to be a part of a fantastic friendly neighborhood. Turnkey & furnished Airbnb with 3 years of income history (45-50k/yr), this is also ideal for an investor who wishes to secure a piece of history and an affordable way to enter the Sedona & Verde Valley market with a proven track reco One of the remarkable features of this property is that it has both residential AND commercial zoning. Not only that, but the Historic Old Town overlay allows this property to add a second building, which could be used as a storefront, an office, an art gallery... or a full-on second residential unit, officially making this a duplex with two separate structures. Seller has plans for a two-story A-Frame ADU which has successfully gone through city permitting reviews.

703 N 4th Street, Cottonwood

$430,000

2 Beds ⋅ 2 Baths ⋅ 7087306 MLS ⋅ 1,256 SqFt.

COMPLETELY REMODELED and move-in ready! This beautifully updated Cottonwood home has been extensively renovated inside and out. Enjoy new interior and exterior paint, new flooring throughout, a completely remodeled kitchen with quartz countertops, new cabinetry, sink, fixtures and ENERGY STAR appliances, plus two fully remodeled bathrooms with new vanities, showers, toilets and fixtures. Major upgrades include a NEW ROOF, ENERGY STAR windows, gas-pack HVAC system, water heater and OWNED SOLAR. Situated on approximately .25 acre with professional low-maintenance landscaping, artificial turf, rockscape, covered outdoor living areas and RV parking with electrical hookup. The improvements continue outside, where the property has been thoughtfully transformed to create attractive, low-maintenance outdoor spaces with plenty of room to enjoy the Arizona lifestyle. A new paver walkway creates an inviting approach to the front door, while the covered side patio with pavers provides a great space for outdoor dining, relaxing or entertaining. The covered/screened rear porch offers another comfortable outdoor living area overlooking the backyard. The large fenced backyard features artificial turf, rockscape, mature trees and multiple terraced levels that create distinct areas with plenty of possibilities for entertaining, gardening, pets or additional outdoor improvements. A storage shed provides additional space for tools and equipment. Inside, the bright and refreshed floor plan includes comfortable living and dining spaces along with a dedicated laundry room. The extensive renovation means buyers can enjoy updated finishes while also benefiting from significant improvements to the home's major systems. RV owners will appreciate the available RV parking and electrical hookup, a valuable feature that adds even more versatility to the property. From the new roof, HVAC, windows and water heater to the remodeled kitchen and bathrooms, owned solar and professionally landscaped exterior, the work has already been done. This is an opportunity to own an extensively renovated Cottonwood home on a generous lot that's ready to enjoy from day one.

924 E Ash Drive, Cottonwood

$539,000

5 Beds ⋅ 3 Baths ⋅ 7086080 MLS ⋅ 2,820 SqFt.

Welcome to this move-in ready home offering 2,820 sq ft, 5 bedrooms, and the possibility of a 6th bedroom, with thoughtful design and extensive recent updates throughout. Designed with accessibility in mind, the home features level entry, wide hallways, and roll-in showers, providing comfortable and convenient living for a variety of needs. The spacious floor plan offers plenty of room for family, guests, a home office, or multigenerational living. A large walk-in pantry provides exceptional storage and functionality, while fresh interior and exterior paint gives the home a clean, refreshed feel. Major improvements provide added peace of mind and efficiency, including an oversized septic, roof replaced in 2023, A/C replaced in 2021, and solar installed in 2023/2024. More recent upgrades include a new water heater, water softener, mini-split, and reverse osmosis system, all installed in 2026. With its versatile floor plan, accessibility features, extensive updates, and move-in-ready condition, this home is ready for its next chapter.

1251 S Pioneer Drive, Cottonwood

$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

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