Coconino Homes with Cash to Loan New Financing

Coconino Homes with Cash to Loan New Financing

Welcome to Coconino County, Arizona—a breathtaking region where natural beauty meets vibrant community life. Nestled in the heart of the Grand Canyon State, Coconino County is renowned for its stunning landscapes, including the iconic Grand Canyon, majestic red rock formations, and expansive pine forests. With an array of outdoor recreational opportunities, from hiking and mountain biking to stargazing under the clear desert skies, this county is a haven for nature enthusiasts and adventure seekers alike.

Coconino County is not just about its natural wonders; it also boasts charming towns like Flagstaff and Williams, where a rich tapestry of culture, history, and modern amenities awaits. Flagstaff, home to Northern Arizona University, offers a lively arts scene, eclectic dining options, and a strong sense of community. Meanwhile, Williams, known as the "Gateway to the Grand Canyon," enchants visitors with its historic Route 66 charm and friendly atmosphere.

For those considering a move to this picturesque area, Coconino County presents a variety of homes that cater to diverse lifestyles and budgets. Whether you’re looking for a cozy cabin in the woods or a contemporary home with stunning views, you’ll find it here. With financing options that allow for cash to loan new financing, homeownership in Coconino County is more accessible than ever. This flexibility enables you to invest in your dream home while taking advantage of favorable financial terms.

Explore the possibilities that await you in Coconino County, where your ideal home and a vibrant lifestyle converge amidst some of Arizona’s most breathtaking scenery. Embrace the opportunity to create lasting memories in a place that truly feels like home.

Newest Coconino Homes with Cash to Loan New Financing

$1,795,000
3 Beds ⋅ 4 Baths ⋅ 7084958 MLS ⋅ 2,483 SqFt.
Brilliantly transformed and completely reimagined to realize its full potential! This turnkey 2483 sq. ft. Uptown Sedona home on a .25 acre lot has emerged from an extensive 2026 renovation with an entirely new sense of light, space, style and function. Inside, soaring ceilings, walls of windows and a beautifully reconfigured great room frame exceptional red rock views, while three bedrooms now each enjoy their own en suite bathroom. Private, peaceful and just under a mile from the heart of Uptown--with National Forest and spectacular trails in the other direction--this is Sedona living made remarkably easy and just the home you've been looking for. This home is in a neighborhood that does not allow short term rental so you can be at ease in local charm. ---------------------------------------- HIGHLIGHTS, DETAILS & NARRATIVE OF 560 ORCHARD LANE Some renovations simply update a home. But this one fundamentally elevated it into a new era. At 560 Orchard Lane, an extensive, fully permitted 2026 transformation included reworking the original floor plan, opening sightlines, introducing additional windows and natural light, and creating a cohesive contemporary interior designed around the red rocks just outside. Set on a private, moderately elevated .25-acre lot in one of Uptown Sedona's established residential neighborhoods, the 2,483-square-foot home now offers three bedrooms, three-and-a-half baths and a remarkably functional single-level floor plan. The understated exterior gives only a hint of what awaits inside. Step through the front door and almost immediately into the expansive great room, where soaring ceilings and newly opened spaces create an immediate sense of volume and light. Wide-plank white oak engineered hardwood flooring, crisp five-inch baseboards, warm exposed beams, recessed LED lighting and a restrained neutral palette run throughout the primary living areas and bedrooms. A dramatic floor-to-ceiling fireplace surround in oversized marble-look tile anchors the room, while expansive windows, a newly added glass slider and additional upper window draw your attention outward to the surrounding red rocks, including views toward Steamboat Rock and Wilson Mountain. The completely reconfigured kitchen feels equally considered. Creamy quartz countertops and backsplash pair with Shaker cabinetry, white oak detailing and champagne-brass fixtures and hardware. New matte-white Café appliances continue the soft, sophisticated palette and include a gas cooktop and built-in microwave drawer. A white apron-front sink sits beneath one of two large picture windows, allowing the views to become part of everyday life rather than something reserved for the patio. Layered under-cabinet and toe-kick lighting adds warmth after dark, while dual counter seating areas provide casual gathering space without dictating how the larger great room must be used. A generously sized walk-in pantry with wood shelving provides substantial storage just steps away. All three bedrooms are now true en suites, creating privacy and flexibility for owners and guests alike. The primary suite places its emphasis where it matters most: an exceptional spa-inspired bath and dressing area. A freestanding soaking tub is positioned between windows overlooking the Sedona landscape, complemented by creamy large-format tile, dual vanities, quartz countertops and champagne-brass fixtures. The oversized glass shower features dual rain-style shower heads, floor-to-ceiling tile and illuminated niches, while motion-activated accent lighting creates a subtle glow upon entering. A private water closet completes the bath. Beyond it, the expansive walk-in closet functions more like a private dressing room, with extensive built-in hanging and storage areas, drawers and a quartz-topped surface. Even laundry has been thoughtfully considered here, with a dedicated stacked washer and dryer located within the primary dressing area--separate from the home's full main laundry room. The second en suite bedroom enjoys three windows, courtyard and red rock outlooks, and a beautifully finished bath with quartz, illuminated mirror, glass-enclosed tub/shower and floor-to-ceiling tile. At the opposite end of the home, the third bedroom--formerly configured as bonus space--has been fully integrated into the home's central heating and cooling system and transformed into a private guest suite with closet, its own distinctive bath, excellent views and direct access to the rear deck. Its separation from the other bedrooms gives visiting family and friends an appealing sense of independence. A stylish powder room serves the main living areas, and the separate main laundry room provides additional cabinetry, side-by-side laundry and the ability to simply close the door when not in use. Outdoor living is equally appealing. A substantial covered wood deck extends across much of the rear of the home, with exposed wood detailing overhead, contemporary rain chains and space to relax, dine and take in the red rocks. Mature trees provide natural screening and privacy without sacrificing the views. The spacious, low-maintenance backyard offers room to enjoy the outdoors or personalize further, while the newly created enclosed front courtyard provides another inviting outdoor space and a secure area for pets. The home's refreshed exterior pairs warm khaki tones with black accents, two black garage doors, mature high-desert landscaping and new plantings. An oversized two-car garage features a new epoxy floor, new garage door openers and additional flexible space at the rear of one bay suitable for storage, hobbies or a workshop. Behind the beautiful finishes is an equally important list of infrastructure improvements. The renovation was permitted and inspected through the City of Sedona, and major 2026 improvements include a new HVAC system, new water heater, numerous new windows and glass replacements, exterior and interior painting, landscaping improvements and a completely new 1,500-gallon septic system and leach field. For a buyer who wants Sedona without inheriting someone else's project list, nearly all of the heavy lifting has already been done. And then there is the location. Leave the sweet neighborhood and then travel roughly half a mile down Jordan Road and you're in the heart of Uptown Sedona, with restaurants, galleries, shops and the energy of town close enough to enjoy on foot. Head in the other direction and the neighborhood transitions toward National Forest and some of Uptown's most beautiful trail country. At home, however, the setting feels remarkably removed--private, quiet and buffered by mature vegetation. That combination may be the home's greatest luxury: nature without isolation, proximity without sacrificing privacy, and sophisticated design without pretense. 560 Orchard Lane is neither oversized nor ostentatious. Instead, it offers something increasingly compelling in Sedona: a beautifully executed, manageable home with exceptional views, three private en suites, meaningful outdoor space and an established Uptown location--all ready to simply be enjoyed.

560 Orchard Lane, Sedona

$715,000
2 Beds ⋅ 2 Baths ⋅ 7082823 MLS ⋅ 1,554 SqFt.
Own a rare Creekhouse retreat in the heart of Oak Creek Canyon, where cool mountain air, tall pines, and the tranquil sounds of Oak Creek create a lifestyle people return to year after year. Ideally situated between Sedona and Flagstaff, this location offers incredible convenience to both while feeling worlds away. This warm and inviting Junipine Resort townhome is surrounded by forest, flowing water, and some of Sedona's most treasured outdoor experiences. Approximately 10 acres of common grounds along Oak Creek offer private creek access and beautiful places to gather, picnic, barbecue, or simply relax beside the water. Step onto the grandfathered private pathway directly adjacent to the home to wander down through the lower grounds to wild blackberry bushes, a scenic gazebo, and the banks of the stream. Spend quiet afternoons catching fresh fish in Oak Creek and grilling your catch at the creekside barbecue as cool canyon breezes set the scene for an ideal evening outdoors. Direct access to the AB Young Trail and proximity to renowned West Fork put exceptional hiking and exploration right outside your door. One of Junipine's largest floor plans, this Creekhouse offers two main-level ensuite bedrooms plus a versatile, sunlit sleeping loft with a prominent overhead skylight. The distinctive Don Woods architectural style is reflected throughout, with vaulted ceilings, rough-hewn beams, expansive windows, and a native river-rock wood-burning fireplace creating the warm, inviting character of a creekside mountain retreat. A newly built expansive wraparound Trex deck extends from the great room to the primary suite, creating an exceptional outdoor living space for morning coffee, birdsong, cool canyon breezes, and al fresco dining beneath the pines. The primary suite features a private bath, direct deck access, and its own wood-burning kiva fireplace, while a second ensuite bedroom and airy loft overlooking the great room provide wonderful space for guests. Enjoy the Creekhouse as your full-time home, personal Sedona retreat, or take advantage of nightly short-term rental zoning when you're away. All furniture conveys, offering the ease of a fully turn-key, furnished retreat. Walk to The Table, Junipine's on-site restaurant, after a day on the creek or trails. Come for the cool summers, stay for the sound of the creek, and discover the enduring magic of Junipine.

8351 N State Route 89a -- Unit 19, Sedona

$2,600,000
4 Beds ⋅ 4 Baths ⋅ 7079726 MLS ⋅ 4,284 SqFt.
Fall in love with Sedona living in this distinctive 4-bedroom, 3.5-bath home, beautifully situated on a private corner lot in Mystic Hills. Designed by architect Carl Nelson, the home welcomes you beneath a dramatic half-barrel latilla ceiling into a grand living room filled with natural light, soaring architecture and walls of windows. The generous chef's kitchen is made for gathering, while the primary suite offers patio access, a private entrance and a romantic gas kiva fireplace. Flexible lower-level guest accommodations provide comfort and privacy for family and friends. At day's end, ascend to the rooftop terrace for breathtaking 360-degree views of Sedona's red rocks, including Elephant Rock, and unforgettable sunsets beneath the dark desert sky. Some homes are defined by their features; others are remembered for how they make you feel. Designed by architect Carl Nelson, this beautiful Mystic Hills residence is warm, welcoming and unmistakably Sedona. Its distinctive Southwestern architecture, generous living spaces and thoughtfully designed guest accommodations create a home equally suited to quiet everyday living and joyful gatherings with family and friends. Set on approximately 0.48 acres, the private corner lot is surrounded by mature trees, natural landscaping and established plantings. Directly across the street, the Mystic Hills clubhouse and recreational amenities offer a wonderful extension of the home's relaxed, community-centered lifestyle. From the moment you enter, the home's architectural character is captivating. A dramatic half-barrel latilla ceiling leads into the grand living room, where soaring vaulted ceilings, graceful architectural details and expansive windows create an exceptional sense of light and space. A gas fireplace brings warmth to the room, while the adjoining den/library provides an inviting place to read, work or simply unwind. Formal and casual dining areas make the home comfortable for everything from intimate dinners to holiday celebrations. At the heart of the home is a generous chef's kitchen created for people who love to cook, entertain and gather. The butcher-block preparation island features a sink with disposal and a six-burner cooktop with warming settings. A built-in barbecue grill with its own dedicated ventilation hood offers another distinctive cooking option. Dual convection ovens, a second sink, abundant cabinetry, tile countertops, a walk-in pantry, breakfast bar and sunny breakfast nook complete this wonderfully functional and welcoming space. Just a few steps above the main living area, the primary suite feels like a private sanctuary. It offers its own entrance, direct access to an open patio and a comfortable sitting area centered around a romantic gas kiva fireplace. The spacious bath is thoughtfully divided into two personal areas, each with a private vanity and walk-in closet. A separate shower, jetted soaking tub and shared water closet complete this restful retreat. The finished lower level provides exceptional comfort and privacy for family and guests. Two generously sized bedrooms each feature a private vanity, while a shared shower and water closet create a thoughtfully arranged Jack-and-Jill bath. A kitchenette, private exterior entrance and extensive built-in storage make this level especially accommodating for extended visits. French doors and a paver walkway provide convenient exterior access and a gracious sense of arrival. Outdoor spaces surrounded by mature trees and established plantings offer quiet places to enjoy Sedona's beautiful climate. Drip irrigation supports the landscaping and potted plants, helping preserve the tranquil setting and privacy found throughout the property. The home has also been carefully maintained, with updates to its mechanical systems. The home's most unforgettable experience awaits above. Follow the spiral staircase to the rooftop terrace, where breathtaking 360-degree panoramas reveal Sedona's magnificent red rocks, including Elephant Rock. It is a magical place to begin the morning, toast the sunset, watch the changing colors move across the landscape or marvel at the stars in Sedona's celebrated dark sky. Just across the street, the Mystic Hills community clubhouse offers a heated saltwater pool, hot tub, pickleball and tennis courts, bocce ball, and inviting recreation and gathering spaces with a kitchen. Swim in the morning, meet neighbors for a game or welcome visiting family and friends into a community that makes enjoying the Sedona lifestyle effortless. With four bedrooms, three and one-half bathrooms, an attached two-car garage and approximately 4,284 square feet, 300 Acacia Drive is more than a distinctive residence. It is a home for gathering, celebrating, welcoming loved ones and experiencing the extraordinary beauty of Sedona every day.

300 Acacia Drive, Sedona

$1,475,000
3 Beds ⋅ 3 Baths ⋅ 7078978 MLS ⋅ 2,065 SqFt.
Wake up to Sedona's magic and unwind with Elephant Rock framed by your living room windows. Set in the coveted Chapel area, this Chapel Modern Beauty pairs striking modern architecture with warm, designer interiors by Sherry Engle of Reverie West from Phoenix. Built in 2022, this 3BR, 3BA retreat offers soaring ceilings, a statement gas fireplace and a covered outdoor living area with a second gas fireplace for evenings under the stars. Offered furnished, right down to plates and silverware, it's an inviting primary residence, second home or potential short-term rental. Nearby hiking and biking trails, the iconic Chapel of the Holy Cross, and easy access to Uptown and the Village of Oak Creek place Sedona's scenery and experiences within easy reach. (Some personal items & art are excluded) Inside, approximately 2,065 square feet of single-level living blend clean lines, concrete floors and abundant natural light. The kitchen features custom soft-close cabinetry, open shelving, soapstone countertops and backsplash, a walk-in pantry, reverse osmosis drinking water, and a brand-new, never-used gas range. A spacious laundry room adds practical storage. Two bedroom ensuites provide flexibility for owners and guests. The primary suite has a separate rear entrance, while the secondary suite features a roll-in shower. A third bedroom and full guest bath with a soaking tub round out the layout. No stairs inside or out make everyday living effortless. Thoughtful construction includes 2x6 framing, spray foam insulation, a metal roof, solid-core 8-foot doors and Milgard windows and glass doors. The extended two-car garage features an installed EV charger. Additional conveniences include hot water recirculation, a water softener, Nest thermostat, Ring doorbell, keyless entry keypad, and pre-wiring for solar and a spa. No HOA. Buyers to verify short-term rental capabilities.

105 Starlite Drive, Sedona

$3,299,000
5 Beds ⋅ 5 Baths ⋅ 7077660 MLS ⋅ 4,097 SqFt.
The Red rock views are only the beginning: with nearly an acre, a separate guest casita, multiple living spaces, and architecture that feels completely at home in its surroundings. Set on approximately 0.84 acres in Indian Trails, this custom residence offers privacy, mature landscaping, and expansive views that shift throughout the property. The home was originally built in 2001 by John Griffin of Sedona Custom Homes, who returned in 2010 for an extensive remodel and expansion that included the kitchen, dining room, family room, billiards room, rooftop deck, and detached oversized garage. All art and furniture minus a couple family items are included in the price so you can move right in! The approach sets the tone immediately. A wide paver driveway leads through established native landscaping to a gated courtyard entry, where the home begins to reveal itself in layers rather than all at once. Warm stucco, substantial wood doors, exposed beams, Saltillo-style tile, and large windows give the interiors a strong sense of place without feeling overly themed. Inside, the floor plan is generous and comfortable, with multiple areas to gather, entertain, work, or simply spread out. The kitchen connects easily to the dining and family rooms, creating a natural hub for the home, while additional living spaces allow everyone to have their own corner when they want it. The former billiards room has been converted into an additional bedroom and bathroom, giving the main residence even more flexibility. The rooftop deck is one of the property's most memorable features. From here, the view opens across Sedona's red rocks and surrounding landscape, creating an incredible place for sunrise coffee, sunset, or stargazing. Additional patios and outdoor spaces offer different perspectives throughout the day. The primary suite feels private and calm, with large windows that bring in the surrounding landscape. The bath includes a spacious soaking tub set below corner windows, with trees and red rock visible beyond. Separate from the main residence, the guest casita adds another layer of usability. Converted from the detached garage by the current owners, it offers private accommodations for guests, extended family, an office, or studio, while still retaining an attached garage. The outdoor spaces are equally well considered, with a private hot tub, fenced dog run, mature landscaping, multiple patios, and quiet areas to sit and enjoy the setting. The property feels substantial without feeling formal, and private without feeling closed off. The current owners have also completed a long list of improvements, including a new larger septic system, exterior repainting, roof resealing, an updated alarm system, added window coverings, a new kitchen faucet, a new wood beam above the entry, a dog door through the exterior wall and additional maintenance and cosmetic work. The home is served by two forced-air gas heating systems with separate zones. The hot water heater was replaced approximately one year ago, and Starlink is currently used for internet service. Indian Trails is a small community of approximately 32 homes, with annual HOA dues of approximately $75 and a 30-day minimum rental restriction. With approximately 3,533 square feet, a guest casita, multiple living areas, rooftop deck, private outdoor spaces, and some truly special red rock views, this is a home with a lot more personality than a typical luxury property. It feels established, comfortable, and unmistakably Sedona.

350 Navajo Trail, Sedona

$1,475,000
2 Beds ⋅ 2 Baths ⋅ 7076511 MLS ⋅ 2,269 SqFt.
Beautifully Refreshed Uptown Sedona Retreat with Stunning Red Rock Views. Discover the charm of Uptown Sedona living in this beautifully updated home, where privacy, sophisticated finishes, and spectacular Red Rock views come together in an inviting and effortless setting. A spacious private courtyard welcomes you upon arrival and creates an exceptional outdoor gathering space--perfect for entertaining, relaxing, and enjoying Sedona's extraordinary natural beauty. Inside, the home is open, bright, and filled with character. Warm wood ceilings and expansive picture windows frame stunning Red Rock views, bringing Sedona's landscape into the heart of the home. Thoughtfully designed with all main living spaces conveniently located on the first floor, the home offers an easy, comfortable floor plan. Upstairs, a versatile loft/office provides a quiet workspace or additional living area, while it's private sunning deck captures even more spectacular Red Rock views. At the heart of the home is a stunningly refreshed kitchen designed to impress. A striking Wolf range anchors the space, complemented by Bosch dishwasher, Sub-Zero refrigerator, and a wine refrigerator. Elegant quartzite countertops and shelving, beautifully refinished cabinetry and wood trim, soft-close doors, designer lighting, and new dimmer switches elevate the kitchen with both style and functionality. The thoughtful enhancements continue throughout the home with refinished floors, fresh interior and exterior paint, new ceiling fans, updated bathroom faucets, and new exterior lighting. A new railing adds another refined finishing touch, creating a cohesive and beautifully refreshed aesthetic. Outside, the fenced backyard offers privacy. Whether entertaining beneath Sedona's dramatic skies, relaxing in the courtyard, or enjoying the ever-changing colors of the Red Rocks from the upper deck, this home offers an exceptional opportunity to experience the beauty and lifestyle of Uptown Sedona. Major systems have also been thoughtfully updated, including a newer air-conditioning system (2022), water heater (2022), and furnace (2025). A rare combination of location, privacy, views, and elevated updates, this inviting Sedona retreat is ready to be enjoyed. Furnishings are available by separate bill of sale allowing for a seamless transition to your Sedona dream home! 30 Day Minimum Rental

75 Navajo Trail, Sedona

$1,950,000
4 Beds ⋅ 4 Baths ⋅ 7076372 MLS ⋅ 3,236 SqFt.
Tucked into Uptown Sedona, this one-of-a-kind property feels more like a private little retreat than a typical single-family home. Set on a generous .34-acre lot with red rock views and surprising privacy for the location, the property offers three distinct living spaces: two within the main residence plus a fully detached casita, each with its own private entrance and outdoor area. There's an easy, lived-in charm here--a blend of classic Sedona character and thoughtful updates, with intimate patios, shaded corners and quiet spaces that invite you to slow down, read a book, share a glass of wine or simply enjoy the surroundings. Multiple outdoor living areas take full advantage of Sedona's climate and create separation between the individual spaces without losing the feeling of cohesion The flexibility is what really sets this one apart. Use the entire property as a private residence with room for guests, extended family or creative space, or take advantage of its proven income potential. The two secondary units alone generated solid rental income last year, without renting the main residence. Specific rental history and income information are available upon request for qualified buyers. Approximately 3,236 square feet with four bedrooms, four baths, two fireplaces, abundant storage, multiple patios and no HOA. Private, versatile and full of character, this is the kind of Sedona property that is difficult to replicate--and absolutely worth seeing in person. Not Pictured are numerous additional rooms and storage areas, including a large cellar.

440 Schnebly Road, Sedona

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