For sale

$449,000

1203 S Settlers Circle, Cottonwood, AZ 86326

3beds

1,940sqft

$2,646/mo

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Single Family Residence

Built in 1990

0.25 Acres Lot

$-- Zestimate^®

$231/sqft

$-- HOA

What's special

Wood stoveShade and privacyFenced backyardPrimary suitePlantation shuttersHis-and-hers closetsCathedral ceilings

Walk in and feel the open space, this one lives larger than the numbers on paper. Cathedral ceilings, plantation shutters, and a wood stove for the cold nights set the tone, backed by owned solar that keeps the power bill low without a lease attached. The primary suite alone is worth the drive: his-and-hers closets, a skylight, and a garden tub built for actually unwinding. The second bedroom comes with its own sitting nook, ready to be an office, a reading corner, or whatever you need it to be. Outside, it's all shade and privacy -- mature fir and mimosa trees over a fenced backyard, a storage shed for the overflow, and room to park the RV. No HOA telling you what to do with any of it. An above-ground pool and hot tub may convey too -- ask and find out. Old Town Cottonwood, the wine trail, and Sedona's red rocks are minutes away, but the real case for this house is standing inside it. Book your tour now and grab a slice of the Verde Valley!

37 days

968

54

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 2
Full bathrooms: 2

Heating

Natural Gas

Cooling

Central Air, Ceiling Fan(s), Evaporative Cooling

Appliances

Included: Refrigerator, Dishwasher, Disposal, Gas Range, Gas Oven
Laundry: Inside

Features

Double Vanity, Eat-in Kitchen, Full Bth Master Bdrm, Separate Shwr & Tub
Has basement: No
Number of fireplaces: 1

Interior area

Total structure area: 1,940
Total interior livable area: 1,940 sqft

Property

Parking

Total spaces: 6
Parking features: Garage, Open
Garage spaces: 2
Uncovered spaces: 4

Features

Stories: 1
Has spa: Yes
Spa features: Above Ground, Private
Fencing: Back Yard,Wood

Lot

Size: 0.25 Acres
Features: Corner Lot, Desert Back, Desert Front, Gravel/Stone Front, Gravel/Stone Back, Synthetic Grass Back, Auto Timer H2O Front, Auto Timer H2O Back, Irrigation Front, Irrigation Back

Details

Parcel number: 40650263

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

Stucco, Wood Frame
Roof: Composition

Condition

Year built: 1990

Utilities & green energy

Sewer: Septic Tank
Water: City Water

Community & HOA

Community

Subdivision: Verde Village Unit 8

HOA

Has HOA: No
Services included: No Fees

Location

Region: Cottonwood

Financial & listing details

Price per square foot: $231/sqft
Annual tax amount: $2,000
Date on market: 7/3/2026
Cumulative days on market: 334 days
Listing terms: Cash,Conventional,1031 Exchange,FHA,VA Loan
Ownership: Fee Simple

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
7/3/2026	Listed for sale	$449,000-3.4%$231/sqft
Source: ARMLS #7049827 Report a problem
6/24/2026	Listing removed	$465,000$240/sqft
Source: ARMLS #6900946 Report a problem
4/1/2026	Price change	$465,000-3.1%$240/sqft
Source: ARMLS #6900946 Report a problem
3/3/2026	Price change	$480,000-2%$247/sqft
Source: ARMLS #6900946 Report a problem
1/4/2026	Price change	$490,000-1%$253/sqft
Source: ARMLS #6900946 Report a problem
10/28/2025	Price change	$494,900-1%$255/sqft
Source: ARMLS #6900946 Report a problem
8/31/2025	Listed for sale	$499,900+206.7%$258/sqft
Source: ARMLS #6900946 Report a problem
12/3/2001	Sold	$163,000$84/sqft
Source: ARMLS #384576 Report a problem

Public tax history

Tax history is unavailable.

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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