Cottonwood Homes with VA Loan New Financing

Cottonwood Homes with VA Loan New Financing

Welcome to Cottonwood, Arizona, a hidden gem nestled in the heart of Yavapai County. This charming city, surrounded by the stunning red rocks of the Verde Valley, offers a unique blend of small-town warmth and breathtaking natural beauty. With its rich history, vibrant arts scene, and an abundance of outdoor recreational opportunities, Cottonwood is the perfect place to call home.

Cottonwood boasts a friendly, welcoming community where residents enjoy a relaxed lifestyle. The city is known for its delightful downtown area, filled with eclectic shops, cozy cafes, and local wineries that showcase the region's burgeoning wine industry. Nature enthusiasts will appreciate the nearby hiking trails, scenic vistas, and the serene Verde River, perfect for kayaking or picnicking.

For those considering making Cottonwood their home, you'll be pleased to know that many properties in the area qualify for VA Loan New Financing. This program makes it easier for veterans and active-duty service members to secure a mortgage, allowing you to invest in your dream home without the burden of a hefty down payment. With a variety of homes available, from charming ranch-style houses to modern family residences, there’s something for everyone in Cottonwood.

Whether you’re looking for a peaceful retreat or a vibrant community to raise a family, Cottonwood offers an ideal setting. With its affordable housing options and access to VA financing, your dream of homeownership in this picturesque Arizona city is within reach. Come and discover the beauty and charm of Cottonwood, where your new adventure awaits!

Newest Cottonwood Homes with VA Loan New Financing

$459,000
3 Beds ⋅ 2 Baths ⋅ 7076739 MLS ⋅ 1,450 SqFt.
The first thing you'll notice is the view. Mingus Mountain, the Sedona red rocks, and wide open sky, all from a big shaded deck, on a quarter acre, fully fenced backyard, and room for the RV or the projects. Inside, the split floor plan gives you a primary suite on its own side, with the two other bedrooms tucked away on the other. The kitchen features knotty alder cabinets, granite counters, and stainless appliances. The living room, deck, and garage are wired for surround sound. Downstairs there's a bonus room with its own entrance, easy to turn into an office, a studio, a workout space, or simply the place where everything else goes. The roof, HVAC, flooring, and bathrooms have all been updated. Old Town Cottonwood is nine minutes away and Sedona is just twenty.

1810 E Donner Trail, Cottonwood
$494,990
3 Beds ⋅ 3 Baths ⋅ 7076633 MLS ⋅ 1,821 SqFt.
Thoughtfully designed with both comfort and flexibility in mind, The Evergreen offers a spacious layout perfect for modern living. This versatile floor plan features 3 bedrooms, plus Den and 2 and a half baths. This homes exceptional upgrades including brushed nickel fixtures and hardware. At the heart of the home, the open kitchen, living and dining areas create a seamless flow ideal for everyday living and entertaining. The Kitchen has White 36'' upper cabinets that feature soft close drawers and cupboards, stainless appliances and electric Range. Enjoy the convenience of a tandem garage, offering extra room for storage, recreational gear, or an additional vehicle. Step outside to the covered patio, where you can relax and take in the outdoors. The Vineyards by Davidson Homes offers

1466 Sangria Drive, Cottonwood
$959,000
3 Beds ⋅ 2 Baths ⋅ 7076602 MLS ⋅ 2,218 SqFt.
Custom craftsmanship, irrigated acreage, and timeless character come together in this one-of-a-kind Cottonwood property. Built in 2018 by the owner/builder, this 2,218 sq ft custom home sits on a full acre of irrigated land in one of Cottonwood's most desirable neighborhoods--with no HOA. From the moment you arrive, the home's craftsmanship is evident. Custom river rock, Western red cedar, and warm wood accents give the exterior a distinctive rustic lodge feel, while the covered front patio creates an inviting space to enjoy the surrounding grounds. Inside, pine wood ceilings and thoughtfully selected finishes continue the home's warm, natural aesthetic. The flexible floor plan offers 3 bedrooms, 2 bathrooms, and a dedicated office that could easily serve as a 4th bedroom. The kitchen is designed for both functionality and entertaining, featuring knotty hickory cabinetry, pull-out drawers throughout, and custom lighting. A beautiful walnut wood wine bar adds an especially unique touch. The primary suite offers a spacious retreat with two separate vanities, while the primary bath features a truly unique piece of local history--a bathtub originally from Lowell Observatory in Flagstaff. Garage space is exceptional, with an attached 2-car garage plus a detached 400 sq ft garage, providing plenty of room for additional vehicles, a workshop, recreational equipment, storage, or hobbies. Outside, the full acre of irrigated property provides room to garden, entertain, or simply enjoy the space and privacy that are becoming increasingly hard to find. A private well adds another layer of flexibility, while the absence of an HOA gives you the freedom to make the property your own. With its custom construction, natural materials, irrigated acreage, unique architectural details, and substantial garage space, this is a property that offers something well beyond the ordinary.

400 N Rio Arriba --, Cottonwood
$424,500
3 Beds ⋅ 2 Baths ⋅ 7075933 MLS ⋅ 1,304 SqFt.
Two-thirds of an acre. Built 2017. Solar owned outright. No HOA. Most homes in this price range were built decades ago on a quarter acre. This one sits on 29,621 sq ft, more than twice the Verde Village average, with a circular drive, RV parking, shed, and room for a shop, garage or garden. Roof, HVAC, windows, water heater, septic all 2017. Single-level split plan, living open to kitchen: quartz counters, island seating, white shaker cabinets, subway tile, stainless appliances, shiplap wall, tile wood-look floors. Dual-pane windows, water softener. Temp-controlled 2-car garage with epoxy floors. Primary suite: walk-in closet, separate shower + tub. Covered patio, fenced yard, turf. Unincorporated Yavapai County, no city property tax. Paved county road, minutes to Old Town Cottonwood.

1768 S Destry Lane, Cottonwood
$459,000
3 Beds ⋅ 3 Baths ⋅ 7075583 MLS ⋅ 1,920 SqFt.
Welcome home to this charming property nestled on a premium .47-acre lot with panoramic views. The functional floor plan features an expanded kitchen and dining area, french doors opening to an extended patio, and a private backyard perfect for enjoying the scenic surroundings. Additional features include gas heat, central air, central vacuum, reverse osmosis, security and sprinkler systems, gutters, RV parking, and an oversized garage with extra storage. The laundry room even includes a convenient half bath. With a generous lot, beautiful views, and plenty of space both inside and out, this home offers a wonderful opportunity to make it your own.

911 E Rio Mesa Trail, Cottonwood
$382,000
3 Beds ⋅ 2 Baths ⋅ 7074902 MLS ⋅ 1,385 SqFt.
Welcome to this move-in ready home offering plenty of space for the whole family-kids, pets, RVs and all your toys! This well-maintained property was remodeled approximately 10 years ago, including the kitchen and flooring. Recent updates include a new AC unit and heat pump installed in 2021, updated bathrooms in 2023, fresh interior paint and a cozy electric fireplace. The spacious primary suite features a large bedroom and bathroom with a separate tub and shower. Outside, the fully fenced backyard provides room to relax, play or entertain. The front patio provides a front row seat for gorgeous sunsets across the Verde Valley, The oversized garage offers plenty of space for vehicles, storage, hobbies and more. There is dedicated RV parking with a 220V hookup. With its beautiful vi ews, generous living spaces, numerous updates and ample parking, this home is ready for you to move in and make it your own. Bring the kids, the pets and toys-this one has room for everyone!

4471 E Vista Drive, Cottonwood
$424,915
2 Beds ⋅ 2 Baths ⋅ 7074811 MLS ⋅ 1,361 SqFt.
Welcome to the Sage Floorplan. This lovely home has 2 Bedrooms and 2 Bathrooms. We have upgraded this home to include double vanities in the Primary bath. The Kitchen is styled with 36'' soft close cabinets, Quartz countertops, Stainless appliances and gas range. Throughout the home you will find Luxury Vinyl Plank flooring. You will find the large covered patio perfect for entertaining. The Hoeis Pre-plumbed for a water softener. The Sage floorplan is designed for comfort and simplicity. This home offers a well balanced layout with 2 bedrooms and inviting, functional living spaces. Ideal for those seeking low-maintenance living without sacrificing style. Vineyards by Davidson Homes offers exceptional new home living in the heart of Arizonas Wine Country.

995 Annas Avenue, Cottonwood
$359,000
3 Beds ⋅ 2 Baths ⋅ 7074338 MLS ⋅ 1,092 SqFt.
Step into homeownership and the outdoor lifestyle you've been dreaming of. This sweet 3bd, 2ba home delivers 1,092 sq. ft. of easy-to-manage living space on a spacious 0.22-acre lot. It is the perfect launchpad for first-time buyers ready to trade rent receipts for roots and a thriving garden. Offering peace of mind; a brand-new roof with a transferrable warranty, a new electric water heater, and new central heat/air (all installed this year, 2026). Your fully fenced back yard already features established, fruit-bearing apricot, peach, pomegranate, and plum trees. There is plenty of space to build raised vegetable beds, set up a composting system, or create an outdoor dining oasis. The attached 2-car has all the room for kayaks and gear without cluttering your space.

4381 E Butte Drive, Cottonwood
$349,000
2 Beds ⋅ 2 Baths ⋅ 7073027 MLS ⋅ 1,263 SqFt.
Welcome to a truly move-in ready home where quality craftsmanship meets effortless Arizona living. $55,000 in upgrades. This pristine 2BR/2BA home features brand-new luxury carpet, fresh paint, LED lighting, new stainless steel appliances & 5-step RO water system. Endless storage space with a deep pantry, coat and linen closets, plus a dedicated utility room. The primary suite features walk-in closet & beautiful views. Step outside to your covered patio w/mature shade trees, 6' privacy fence, dog run, & distant views of Mingus Mt. and Sedona! Commercial-grade roof underlayment 2019, high-end security locks, and meticulously maintained HVAC. Conveniently located just minutes from local shopping, dining, & healthcare. Outstanding value, exceptional privacy, and complete peace of mind awa

707 Skyview Lane, Cottonwood
$485,000
3 Beds ⋅ 2 Baths ⋅ 7072541 MLS ⋅ 1,695 SqFt.
Red Rock Views & Cottonwood Ranch Living at Its Best! Enjoy breathtaking Red Rock and mountain views from the beautifully landscaped, block-stucco walled backyard, featuring both a covered patio and open flagstone patio--perfect for relaxing or entertaining. Inside, a gas fireplace creates a warm, inviting living room. Tile floors flow throughout the main living areas, with carpeted bedrooms and a desirable split-bedroom floor plan. The spacious primary suite offers an upgraded walk-in shower, double sinks and walk-in closet. The well-designed kitchen boasts solid countertops, abundant cabinetry and generous counter space, home is complemented by upgraded lighting. A separate laundry room off the garage adds convenience. The covered front entry porch with railing welcomes you home! CHARMING COTTONWOOD RANCH VIEW HOME 3 BEDROOM 2 BATH CIMARRON MODEL WITH VERDE VALLEY MINGUS MOUNTAIN AND SEDONA RED ROCK VIEWS · Tasteful Custom Paint in all rooms with Living Room Fireplace Accent Wall and Wallpaper Accent in Bathrooms · Old World Oil Rubbed Bronze Chandeliers in Entry and Gourmet Kitchen · Old World Oil Rubbed Bronze Wall Sconces in Living Room and Halls · Nickel Plated Bathroom Fixtures · Custom Wall Mirrors and Rustic Wood Medicine Cabinets in Bathrooms · Ceiling Fan in all Bedrooms and Living Room · Spacious Master Bedroom has large walk-in closet · Beautiful View Garden with low-maintenance high-desert indigenous plants The kitchen backsplash is the perfect blend of beauty and practicality. Discover a lifestyle that makes everyday living feel like a getaway! Cottonwood Ranch offers an inviting community atmosphere with miles of walking trails, a beautiful clubhouse, swimming pool and spa--perfect for staying active, relaxing and connecting with neighbors. Convenience is another reason this location shines. Shopping, medical services, schools and college are all close by, making daily errands and appointments easy. Verde Valley Medical Center and Yavapai College Verde Valley Campus are nearby, adding to the area's convenience. And when it's time for fun, you're just minutes from the unique charm of Old Town Cottonwood, where you can stroll historic Main Street, browse boutiques and galleries, enjoy locally owned restaurants and cafés, and explore an amazing selection of wine-tasting rooms. Old Town is home to more than 60 businesses and is celebrated as the heart of Arizona wine country. At Cottonwood Ranch, you truly have it all--active living, community, convenience and the distinctive Verde Valley lifestyle right outside your door!

135 S Sagebrush Way, Cottonwood
$350,000
2 Beds ⋅ 2 Baths ⋅ 7072101 MLS ⋅ 1,502 SqFt.
1983 Ranch-style 2-bedroom, 2-bathroom home in Verde Villages Unit 5, situated on .20 acres with 1,502 sq ft of living space. The unique layout features a central living room that separates the eat in kitchen and formal dining area from the bedrooms and bathrooms, creating distinct living spaces. The home features faux wood vinyl plank and tile flooring, desert landscaping, and an attached 2-car garage. The back deck is a standout feature, offering views of the Sedona red rocks and a great place to enjoy the surrounding scenery. A powered shed provides additional storage or workspace. HVAC was replaced in 2016, and the roof on both the home and shed was replaced in 2022.

4042 E Pueblo Road, Cottonwood
$314,900
2 Beds ⋅ 1 Baths ⋅ 7071797 MLS ⋅ 967 SqFt.
Sweet 2 bd 1ba with open concept living/dining on a large lot in Cottonwood. Water rights are a huge bonus on this quiet street which ends at the water. Many upgrades and new/newer appliances. Secure storage area under the house. Move-in ready. off street parking including RV Space.

710 N 8th Street, Cottonwood
Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.