Cottonwood Homes with Owner May Carry New Financing

Cottonwood Homes with Owner May Carry New Financing

Welcome to Cottonwood, a charming city nestled in the heart of Arizona's Yavapai County. This vibrant community offers a perfect blend of small-town charm and modern amenities, making it an ideal place to call home.

Cottonwood is known for its stunning natural beauty, with picturesque landscapes that include rolling hills, lush vineyards, and the scenic Verde River. Outdoor enthusiasts will appreciate the abundance of recreational opportunities, from hiking and biking to fishing and kayaking.

One unique feature of the real estate market in Cottonwood is the availability of homes with Owner May Carry new financing. This option provides flexibility for buyers who may not qualify for traditional financing or who prefer a more personalized approach to purchasing a home. Whether you're a first-time homebuyer or looking to invest in a vacation property, Owner May Carry financing can make your dream of homeownership a reality.

With its welcoming community, beautiful surroundings, and diverse real estate options, Cottonwood has something to offer everyone. Come explore all that this vibrant city has to offer and find your perfect place to call home in Cottonwood, Arizona.

Newest Cottonwood Homes with Owner May Carry New Financing

2050 W State Route 89a -- Unit 84, Cottonwood
$124,900
3 Beds ⋅ 2 Baths ⋅ 7077471 MLS ⋅ 1,568 SqFt.
Owner May Carry! Affordable resort-style living in 55+ community. Nearly 1600 SF home on oversized corner lot awards vast outdoor space & privacy making it stand out. Huge 29' cov'd deck great for cool AZ nights. Back incl a sweet ramp to lg fenced area for small pup. Cozy fireplace & spacious formal dining. Versatile, roomy split plan! Grand-scale kitchen is a chef's dream w/island & storage as far as the eye can see. Off kitchen the breakfast area perfectly hosts the refrigerator to create an independent refreshment zone. Thoughtful design ensures anyone relaxing in the BKF area has instant access to snacks at their fingertips. It brilliantly separates the social space from the main cooking zone keeping the vast workspace open & uninterrupted for the chef. Straight shot to Clubhouse/Pool Rare opportunity to own a beautiful home situated on a vast, premium corner lot! Loaded with desirable features: *New Roof Sections - 2026 and 2022 *Gorgeous open/split and roomy floorplan *Beautiful design *Dual pane windows - excellent insulation & energy efficiency. *Year-round comfort with 3.5 ton Trane A/C unit *Lighted ceiling fans throughout *Gorgeous fireplace with heatilator, adding warmth & ambiance to the living space. *Newer carpeting in the living and formal dining rooms (2025). *Existing furnishing may be available thru separate bill of sale. Pine Shadows (Active 55+ Community) offers top-tier wellness amenities and incredible resort-style relaxation. At the heart of the community, and just a few doors down from Lot 84, sits the beautifully appointed clubhouse. Premium Features & Amenities Include: Premium year-round indoor swimming pool and deeply relaxing spa. Clubhouse Facilities: State-of-the-art, fully equipped fitness center, on-site library, ping pong, billiards room, and spacious banquet rooms. Outdoor Recreation: Dedicated pickleball courts, tennis courts, shuffleboard, bocce ball, horseshoe pits. Community Grounds: Gorgeously manicured trails, scenic picnic areas, BBQ grills, a dog park, and much more. Fantastic Location: Just minutes from Historic Old Town Cottonwood, award-winning dining, and healthcare facilities. Buyer's application must be approved by the park prior to accepting an offer.

2050 W State Route 89a -- Unit 84, Cottonwood
1432 S Silverado Drive Unit -, Cottonwood
$3,518,776
7072407 MLS
Unrivaled 11.54-acre prime C2 commercial development opportunity in the rapidly expanding heart of Cottonwood, Arizona! Strategically positioned at 1432 S Silverado Dr, this rare shovel-ready parcel is flanked by high-volume anchors: adjoining Super Walmart to the south and Larry Green Chevrolet / Hyundai to the north, while seamlessly backing into an established residential sector to capture a built-in customer base. Boasting massive, high-visibility frontage on a city-maintained paved street, this property eliminates the usual development headaches of extending utilities. Fully integrated and ready at the site, including city sewer, water, electric, gas, and high-speed internet. With C2 commercial zoning inside Cottonwood city limits, this acreage is ideally positioned for vital commercial use that supports the city's continued growth, expands retail and service access, and serves the needs of both nearby residents and regional traffic. The size, visibility, utility availability, and proximity to major commercial anchors make this a standout site for high-demand development opportunities.

1432 S Silverado Drive Unit -, Cottonwood
395 Kindra Heights Road Unit 2, Cottonwood
$95,000
7069141 MLS
View lot located in Old Town Cottonwood historic district with significant panoramic views of Jerome and surrounding valley. In newer unique subdivision of newer Craftsman style homes supporting the investment into a new single family home, or possible basement/ upper level duplex for personal occupancy or short term rentals. No HOA fees or adverse admin. All utilities on site, easily available including fibre optic internet of 2 Gbyte. Possible Seller financing terms available.

395 Kindra Heights Road Unit 2, Cottonwood
509 Kindra Heights Road Unit 31, Cottonwood
$175,000
7065157 MLS
Propbably the best lot in this newer subdivision, private end-of street, cul-de-sac location. Large level building envelope with great views of Jerome, and across the valley towards Sycamore Valley, & Sedona. Sets above an open wash, with long distance views. All utilities on site, Developed terraces in rear, with fencing complete. Subdivision does not have an HOA, nor hardly any CCR's, but a few to protect Buyer's investment. Fibre optic cable to all lots with over 2 G-byte hi-speed internet available. Accessible trail to enjoy to SR Hwy 89a & beyond..

509 Kindra Heights Road Unit 31, Cottonwood
950 E Mingus Avenue Unit 412, Cottonwood
$225,000
2 Beds ⋅ 2 Baths ⋅ 7058508 MLS ⋅ 982 SqFt.
Major $$$ Reduction! Awesome garden level 2 bed/2 bath condo in gated community private corner unit w/covered patio. Functional floor plan split master & extra closets. Nice size bathrooms & vanities. All 4 kitchen appliances included + 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. What are you waiting on?

950 E Mingus Avenue Unit 412, Cottonwood
2150 S Lost Spur Lane Unit 4, Cottonwood
$263,500
7046718 MLS
Amazing Sedona Red Rocks and Mingus Mountain views. 1.67 acres. Parcel improved with APS underground power and deed well. Improved driveway. Secluded and very private. Nearby Az State land and USFS land for hiking, four-wheeling, hunting. Close to shopping and hospital. Ready for your custom home. OWC terms. Hiking, dirt-biking, hunting on nearby government land. The scenic 360 degree views are astounding! Few neighbors make this location very quiet.

2150 S Lost Spur Lane Unit 4, Cottonwood
1532 S Camino Real -- Unit 2983, Cottonwood
$29,000
6992790 MLS
OWNER MAY CARRY!! Located in the heart of Cottonwood, No HOA. The engineering paperwork has been done for you on this gorgeous, oversized lot!! Panoramic, jaw dropping views of Sedona in the distance. The Verde Village area of Cottonwood is close to shopping, dining, medical services, the galleries and wine tasting rooms of Old Town Cottonwood and a short drive to the majestic hiking and site seeing in Sedona. Site built homes only. Engineering paperwork available for new owner. It's time to pick up an affordable piece of land, they're not making any more of it!

1532 S Camino Real -- Unit 2983, Cottonwood
260 Highway 260 -- Unit 4, Cottonwood
$992,239
6979314 MLS
Explore the unparalleled potential of this Heavy Industrial (I-2) zoned property located in the thriving Cottonwood area. Offering four parcels that can be split three ways, this high-profile property boasts the convenience of roundabouts at each end, enhancing access and traffic flow, and excellent panoramic views of the Red Rocks and bordering forest service land to the west of the property. Benefit from dedicated street easements from the City of Cottonwood, ensuring streamlined development opportunities. This prime industrial site presents a rare chance to invest in a strategically located property with immense possibilities for data centers, manufacturing, distribution, or other industrial endeavors. Agent/Broker has ownership interest in the property. Seller financing available.

260 Highway 260 -- Unit 4, Cottonwood
260 Highway 260 -- Unit 3, Cottonwood
$1,285,970
6979312 MLS
Explore the unparalleled potential of this Heavy Industrial (I-2) zoned property located in the thriving Cottonwood area. Offering four parcels that can be split three ways, this high-profile property boasts the convenience of roundabouts at each end, enhancing access and traffic flow, and excellent panoramic views of the Red Rocks and bordering forest service land to the west of the property. Benefit from dedicated street easements from the City of Cottonwood, ensuring streamlined development opportunities. This prime industrial site presents a rare chance to invest in a strategically located property with immense possibilities for data centers, manufacturing, distribution, or other industrial endeavors. Agent/Broker has ownership interest in the property. Seller financing available.

260 Highway 260 -- Unit 3, Cottonwood
260 Highway 260 -- Unit 2, Cottonwood
$317,744
6979306 MLS
Explore the unparalleled potential of this Heavy Industrial (I-2) zoned property located in the thriving Cottonwood area. Offering four parcels that can be split three ways, this high-profile property boasts the convenience of roundabouts at each end, enhancing access and traffic flow, and excellent panoramic views of the Red Rocks and bordering forest service land to the west of the property. Benefit from dedicated street easements from the City of Cottonwood, ensuring streamlined development opportunities. This prime industrial site presents a rare chance to invest in a strategically located property with immense possibilities for data centers, manufacturing, distribution, or other industrial endeavors. Agent/Broker has ownership interest in the property. Seller financing available.

260 Highway 260 -- Unit 2, Cottonwood
260 Highway 260 -- Unit 1, Cottonwood
$604,047
6979300 MLS
Explore the unparalleled potential of this Heavy Industrial (I-2) zoned property located in the thriving Cottonwood area. Offering four parcels that can be split three ways, this high-profile property boasts the convenience of roundabouts at each end, enhancing access and traffic flow, and excellent panoramic views of the Red Rocks and bordering forest service land to the west of the property. Benefit from dedicated street easements from the City of Cottonwood, ensuring streamlined development opportunities. This prime industrial site presents a rare chance to invest in a strategically located property with immense possibilities for data centers, manufacturing, distribution, or other industrial endeavors. Agent/Broker has ownership interest in the property. Seller financing available.

260 Highway 260 -- Unit 1, Cottonwood
1480 N Eagle View Drive Unit 50, Cottonwood
$99,900
6958576 MLS
Rare Grey Fox Ridge Lot with Stunning Views Don't miss this rare opportunity to build your dream home in Grey Fox Ridge, featuring amazing panoramic views of Sedona and the Verde Valley. This prime lot offers city water and sewer, APS and Unisource utilities available. OWNER WILL CARRY Enjoy a low POA fee of just $150 quarterly, which includes well water for front-yard irrigation. Ideally located within walking distance to Old Town Cottonwood, you'll have easy access to shopping, dining, wine tasting, and entertainment. A truly exceptional homesite in a highly desirable location--perfect for capturing views, lifestyle, and convenience.

1480 N Eagle View Drive Unit 50, Cottonwood
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