Yavapai County Homes with Cash to Loan New Financing

Welcome to Yavapai County, Arizona, a hidden gem nestled in the heart of the Southwest! Known for its stunning landscapes, rich history, and vibrant communities, Yavapai County offers an unparalleled quality of life for its residents. With the majestic Prescott National Forest to the north and the breathtaking red rocks of Sedona to the south, outdoor enthusiasts will find endless opportunities for adventure, from hiking and biking to camping and exploring.

Yavapai County is home to charming towns like Prescott, the county seat, which boasts a delightful blend of old-world charm and modern amenities. With its historic downtown area, vibrant arts scene, and a plethora of dining options, Prescott is perfect for those seeking a lively community atmosphere. Additionally, the county's diverse population and welcoming spirit create a sense of belonging that is hard to find elsewhere.

For homebuyers looking to invest in this beautiful region, Yavapai County offers a variety of housing options, from cozy cabins in the woods to modern family homes in bustling neighborhoods. With the option for cash-to-loan new financing, purchasing your dream home has never been more accessible. This financing flexibility allows you to leverage your cash assets while securing a mortgage, making it easier to navigate the competitive real estate market.

Whether you're a first-time homebuyer, a retiree seeking tranquility, or an investor looking for your next opportunity, Yavapai County has something for everyone. Embrace the beauty and charm of this remarkable area, and discover the perfect place to call home!

Newest Yavapai County Homes with Cash to Loan New Financing

$1,200,000

7088787 MLS

Lot 17, Mystic Heights: Cathedral Rock, Bell Rock, The Sisters and Lee Mountain, all from one homesite. This .805-acre premium VIEW lot sits in Sedona's most coveted gated enclave, with uninterrupted panoramic views from virtually any vantage point you choose. That means the architecture works around the view, not the other way around. The groundwork is done: underground utilities, electric, high-speed internet, community sewer and water are all at the lot line. Now the real advantage. Land loans are nearly extinct, so the SELLER WILL FINANCE with 35% down. Choose a 3-year balloon at 2.75% or a 5-year balloon at 5.25%. Lock in the rate, keep your capital for the build, and design the home these views deserve. Lots like this don't come back. Once you walk it, you will want to build.

31 Jefferson Court Unit 17, Sedona

$165,000

3 Beds ⋅ 2 Baths ⋅ 7088750 MLS ⋅ 1,700 SqFt.

Well-kept 3-bedroom, 2-bath manufactured home located in the desirable Pine Shadows community. This inviting home offers a comfortable floor plan with spacious living areas, a functional kitchen, and three bedrooms providing flexibility for guests, an office, or everyday living. Enjoy the benefits of the Pine Shadows lifestyle with community amenities designed for recreation and relaxation. Home is being offered on leased land. Buyer to verify all community rules, fees, amenities, and lease terms.

2050 W Sr 89a -- Unit 143, Cottonwood

$799,999

3 Beds ⋅ 2 Baths ⋅ 7088747 MLS ⋅ 1,611 SqFt.

Welcome to 40 Broken Arrow Drive! A beautifully updated home where clean, modern style meets peaceful Sedona living. From the moment you walk in, everything feels fresh, bright, and brand new. Thoughtfully renovated throughout, this home features new interior and exterior paint, new flooring, a new roof, owned solar, an updated kitchen and bathrooms, and all-new appliances. Located on a very quiet street with sweeping red rock views, the setting is truly special. No detail has been overlooked, including a spacious bonus room just off the garage that offers flexible space for a home office, gym, studio, or workshop. The home also features a new garage door with a smart opener for added security. The beautifully landscaped property is enhanced by mature trees and full irrigation. While Owned solar helps significantly reduce utility costs, adding even more value to this exceptional property. Peaceful, polished, and truly move-in ready, this home offers the rare combination of extensive updates, incredible views, a tranquil setting, and thoughtful modern conveniences. This is one of those homes that truly needs to be experienced in person. Come see it today!!

40 Broken Arrow Drive, Sedona

$449,000

2 Beds ⋅ 1 Baths ⋅ 7088732 MLS ⋅ 1,013 SqFt.

Timeless character meets thoughtful modernization in the heart of Historic Clarkdale. This beautifully restored Spanish Colonial Revival bungalow offers a rare opportunity to own a home that honors its architectural past while delivering the comfort, functionality, and upgrades expected today. From the moment you arrive, the distinctive Spanish-inspired façade, custom iron railings, and welcoming covered front porch create an immediate sense of place. It is an ideal setting to enjoy quiet mornings, colorful Arizona sunsets, sweeping mountain and valley views, and the peaceful surroundings that make historic Clarkdale so special. Inside, the home's original character remains beautifully intact. Birdseye maple flooring, 9-foot ceilings, preserved cabinetry, and period details give the residence an authenticity that cannot be recreated. Rather than simply remodeled, the home has been carefully enhanced with finishes and improvements chosen to complement its history. The kitchen balances vintage charm with everyday convenience, featuring granite countertops, original cabinetry, a designer backsplash, white ceramic sink, reverse osmosis system, gas range, dishwasher, refrigerator, microwave vented through the original chimney, and a stackable washer and dryer. The remodeled bathroom is equally distinctive, centered around a classic cast-iron clawfoot tub and accented by artisan tile, a copper vessel sink set into a Mexican pine vanity, oil-rubbed bronze fixtures, custom lighting, and upgraded ventilation. The space has been thoughtfully reconfigured for improved comfort and functionality while retaining its period appeal. Extensive improvements throughout the property provide confidence well beyond its beautiful finishes. Updates include whole-house PEX plumbing and updated drain lines, upgraded electrical service with a new panel and garage subpanel, blown-in attic insulation, sealed HVAC ductwork, whole-house water filtration with reverse osmosis, instant hot water, updated lighting, refined wall textures, and beautifully refinished original maple flooring. The primary bedroom and walk-in closet offer a comfortable and serene retreat with tile flooring, cedar detailing, custom window treatments, and upgraded lighting. Outdoor living is equally inviting. A substantial pergola-covered patio creates a private outdoor room perfect for dining, entertaining, or relaxing beneath Clarkdale's clear skies. Low-maintenance desert landscaping is complemented by two mature mulberry trees that provide beauty and welcome shade. The former carport has been enclosed to create a versatile garage and workshop area with generous temperature-controlled storage. Additional improvements include structural upgrades to the garage and alley wall, enhanced drainage, durable steel siding, and a professionally resealed roof. Perhaps one of the home's greatest luxuries is its location. Downtown Clarkdale is just a short stroll away, offering concerts, festivals, restaurants, museums, the library, community events, and local gathering places. The Verde River, Old Town Cottonwood, and historic Jerome are only minutes away, while Sedona's iconic red rock landscape is approximately twenty minutes from your door. Rich in history yet exceptionally livable, this is more than a beautifully restored home. It is a property with architectural soul, meaningful improvements, inviting indoor-outdoor spaces, and a wonderfully walkable lifestyle in one of the Verde Valley's most distinctive communities. A rare opportunity to own a piece of Historic Clarkdale history--thoughtfully preserved and beautifully prepared for its next chapter.

1420 Third South Street, Clarkdale

$165,000

7088577 MLS

Let the view guide the design. Overlooking the Verde River with Mingus Mountain beyond, this 4.77-acre parcel offers a memorable setting for a custom home. Picture windows framing the mountains, a patio facing the sunset, and space between you and the everyday rush. Tucked into a rural setting approximately 10 minutes from town, Flowing Tani Trail combines a sense of seclusion with nearby conveniences. The property will require site preparation and infrastructure planning, making it an opportunity for a buyer ready to bring a thoughtful design to a distinctive landscape. Site-built homes only, with a minimum of 1,600 square feet. Come walk the property, take in the river and mountain views, and explore what it would take to make this setting your own.

Flowing Tani Trail Unit -, Cornville

$2,999,500

4 Beds ⋅ 6 Baths ⋅ 7088536 MLS ⋅ 5,027 SqFt.

Exceptional Sedona estate backing directly to National Forest with sweeping Red Rock views of surrounding buttes and mesas. Located in Sedona Golf Resort, this private 4 bedroom, 6 bath luxury residence captures dramatic views from nearly every room. Disappearing radius glass doors open the main living area to expansive outdoor entertaining spaces and a Pebble-Tec pool. The spacious primary suite features striking butted-glass windows, while the custom kitchen is appointed with Thermador and Wolf stainless-steel appliances. An elevator-accessible lower level offers private guest suites and kitchenette with direct access to the pool and backyard. A rare combination of privacy, luxury, unforgettable views and immediate access to Sedona's natural landscape.

160 Crystal Sky Drive, Sedona

166 E Quarterhorse Lane Unit -, Camp Verde

$485,000

7088465 MLS

A rare opportunity to own 2.34 irrigated acres on Quarterhorse Lane in Camp Verde! One of the last remaining vacant parcels in this established area, the property features grandfathered irrigation rights from the Diamond S Ditch and more than 55 mature, producing pecan trees offering an incredible canopy of shade and an annual harvest. The land is predominantly grass-covered, creating a beautiful setting for a custom home and country lifestyle. Zoned R1L-70 with the Town of Camp Verde, there is room for horses and livestock, gardens, and the opportunity to create your own ranch or hobby farm. Enjoy the character of an established pecan grove while designing the property around your vision. Easy access and nearby APS power add to the possibilities. A well, septic system and other necessary utilities will need to be installed. Properties offering this combination of irrigated acreage, mature trees, agricultural potential and a desirable Camp Verde location are increasingly hard to find.

166 E Quarterhorse Lane Unit -, Camp Verde

$485,000

2 Beds ⋅ 2 Baths ⋅ 7088429 MLS ⋅ 1,813 SqFt.

Beautifully maintained home in the gated community of Amante at Verde Santa Fe! This inviting 2 bedroom plus den/office home features an open floor plan, spacious kitchen, cozy fireplace and vinyl flooring throughout. The generous primary suite offers a large walk-in closet. Enjoy the expansive backyard and large covered patio, perfect for morning sunshine and relaxing afternoon shade. Take in the views of the golf course and Mingus Mountain while enjoying Arizona living at its best. Tucked away on a quiet cul-de-sac, this home also features an insulated garage. The clubhouse offers an outdoor pool and spa, fitness center, pickleball court, and many community activities. Approx. 15 minute drive to Scenic Sedona!

517 S Santa Fe Trail, Cornville

$885,000

3 Beds ⋅ 2 Baths ⋅ 7088411 MLS ⋅ 1,337 SqFt.

Under $900,000 in the best neighborhood in West Sedona, this light and bright 3-bedroom West Sedona cottage is a proven, income-producing STR vacation rental with VIEWS - it won't last long! The home generated $106,000 in revenue over the past twelve months (not including cleaning fees), and with strong future bookings in place that can convey to the new owner, it's ready to keep earning from day one. A smart, turnkey investment. Sold fully furnished, this home is ready to welcome guests with its furnishings and décor included. The interior was designed by a professional interior designer, and it shows (this is over a $75,000 value). Guests love the stylish, cohesive look, which helps drive the strong reviews and repeat bookings behind the home's track record . With no HOA (read more...) short-term rentals are allowed, so you can run it as a vacation rental, a personal getaway, or a blend of both. Start your mornings with coffee on the open front patio with the full expanse of Thunder Mountain in view, then entertain on the huge back deck, which runs the full length of the home and takes in the views. The primary suite offers a walk-in closet (with its own view!) and a remodeled 3/4 bath. The kitchen features quality cabinetry and skylights that fill the space with natural light. A split floorplan gives the two additional bedrooms privacy, each with ceiling fans and generous closets, close to the full hall bath and the stackable laundry closet. Outside, the fenced backyard is made for relaxing and entertaining, with a hot tub, a firepit, several outdoor seating areas, a flagstone patio, and a storage shed. The home is on sewer with natural gas and Arizona water. Sugarloaf Trail is just minutes away by foot, giving guests (and you) easy access to hiking and Sedona's famous red rock scenery. Strong historical revenue, bookings already on the calendar, and a designer-curated interior make this a rare find.

40 Yucca Drive, Sedona

$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

$899,000

3 Beds ⋅ 2 Baths ⋅ 7088344 MLS ⋅ 2,950 SqFt.

Experience the ultimate Sedona lifestyle in this beautifully secluded, mid-century modern-inspired retreat. Nestled in the highly desirable and friendly Northview neighborhood, this 3-bedroom, 2-bathroom home is surrounded by mature trees and native landscaping that create an immediate sense of private comfort. Striking new exterior paint sets the tone, while beautiful views of Thunder Mountain greet you right from the front yard. Offering nearly 3,000 square feet of comfortable living space, this home presents an incredible value at an exceptional price per square foot. Inside, beautiful travertine and hardwood floors guide you through a bright and open living room. Here, vaulted ceilings and large windows invite in natural light and lovely views of the surrounding red rocks. The layout flows naturally into a dining room featuring a cozy fireplace before arriving at the true heart of the home: the kitchen. Featuring a breakfast bar and ample storage, the kitchen offers an incredible vantage point, allowing awe-inspiring views of Thunder Mountain and Chimney Rock to serve as a stunning backdrop for cooking and gathering. The main living areas are joined by a sunlit office or flex space and a quiet reading nook. The spacious primary suite serves as a private oasis, complete with an en-suite bathroom and convenient office access. The home also includes a 2-car garage featuring premium epoxy floors and direct outdoor access, all with the added benefit of exceptionally low utility costs. Step outside to a great fully fenced backyard and covered side patio designed to maximize outdoor living. This serene space offers exceptional privacy, creating the perfect secluded setting to relax and entertain while enjoying the mountain views. A true centerpiece of living here is the gorgeous, HOA-owned Northview Park--one of the largest private parks in Sedona. Just a short stroll from your door, this stunning park has its own epic views and provides a beautiful, scenic route to go to and from town. Combined access to nearby hiking trails, this quiet community is a nature lover's dream. To help preserve this friendly neighborhood feel, the community maintains a 30-day rental minimum. With an incredible price per square foot and the rare, added bonus of an assumable mortgage at a 3.75% interest rate, this is an exceptional opportunity to make this peaceful, private Sedona sanctuary your own.

180 Sierra Road, Sedona

$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

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