520 N RIO ARRIBA, Cottonwood, AZ 86326

$1,275,000

Virtual Tour

https://www.zillow.com/view-imx/69095cf4-4c69-438b-b65c-a344407b6d8d?initialViewType=pano

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 3,166 Lot Size (sq. ft.): 42,253 Status: Active

Current Price: $1,275,000 Last Modified: 8/26/2026

Overview

Description

A HIDDEN WORLD IN THE HEART OF THE VERDE VALLEY. Tucked away at the end of the road in Cottonwood's lush Greenbelt, this distinctive Victorian Country Farmhouse-style residence offers a side of Arizona few expect to find. Set on a private 0.97-acre lot surrounded by towering shade trees and established greenery, this is a true sanctuary--peaceful, secluded and seemingly worlds away from it all.Beautifully maintained, the 3,166-square-foot, two-story home offers an abundance of flexible living space with 4 bedrooms, a loft, den/office and an oversized three-car garage. Recent improvements include new flooring, fresh paint and upgraded sliding door windows, while a private well and septic system add to the property's independence. Best of all--NO HOA.

Supplements: Inside and out, there is room to live, work, gather and retreat. The generous floorplan easily accommodates guests, a home office, hobbies or multi-purpose living, while the expansive property provides the privacy and breathing room that are increasingly difficult to find.Yet for all its seclusion, the location is remarkably convenient. Shopping, ... (Read more)

Listing Details MLS# 7071414

Location, Tax & Legal

House Number: 520
Compass: N
Street Name: RIO ARRIBA
St Suffix: --
City/Town Code: Cottonwood
State/Province: AZ
Zip Code: 86326
Zip4: 6971
Country: US
County Code: Yavapai
Assessor Number: 406-45-119-T
Subdivision: S35 T16N R3E
Tax Year: 2018
Assessor's Map #: 45
Assessor's Parcel #: 119
Assessor Parcel Ltr: T
Tax Municipality: Yavapai - COUNTY
Taxes: 3320

Contract Information

Type: Exclusive Right To Sell
Ownership: Fee Simple
Co-Ownership (Fractional) Agreement YN: No

General Property Description

Dwelling Type: Single Family Residence
Dwelling Styles: Detached
Exterior Stories: Yes
# of Interior Levels: 2
# Bedrooms: 3
Full Bathrooms: 2
Half Bathrooms: Yes
Total Bathrooms: 3
Approx SQFT: 3166
Price/SqFt: 402.72
Horses: N
Builder Name: Unknown
Year Built: 1998
Approx Lot SqFt: 42253
Approx Lot Acres: 0.97
Flood Zone: Yes
Community Pool Y/N: No
Private Pool Y/N: No
Fireplace YN: Yes
Fireplaces Total: Yes
Elementary School District: Cottonwood-Oak Creek Elementary District
High School District: Mingus Union High School District
Elementary School: Cottonwood Community School
Jr. High School: Cottonwood Community School
High School: Mingus Union High School

Remarks Misc

Directions: Main st. to Gila, to 16th Street, Rt on Franquero, Rt. on Autumn left to Rio Arriba. Do not follow GPS if it tries to take you any other way.

Basement

Basement Y/N: N

Items Updated

Floor Yr Updated: 2026
Floor Partial/Full: Partial

More Information

Parking Spaces

Garage Spaces: 3
Slab Parking Spaces: 4
Total Covered Spaces: 3

Solar Panels

Ownership: Owned Outright

Residential Propane Tank

Residential Propane Tank: Leased

Showing Notification Methods

Showing Service: Aligned Showings
Text: Yes
Phone Call: Yes

Special Listing Cond

N/A: Yes

Construction

Wood Frame: Yes

Const - Finish

Cement Siding: Yes

Roofing

Metal: Yes

Association & Fees

HOA Y/N: N
PAD Fee Y/N: N
Land Lease Fee Y/N: N
Ttl Mthly Fee Equiv: 0

Lockbox Type

Other: Yes

Architecture

Victorian: Yes
See Remarks: Yes

Master Bathroom

Full Bth Master Bdrm: Yes
Separate Shwr & Tub: Yes
Double Vanity: Yes
Private Toilet Room: Yes
Tub with Jets: Yes

Master Bedroom

Split: Yes
Downstairs: Yes

Additional Bedroom

Other Bedroom Split: Yes
Master Bedroom Walk-in Closet: Yes

Add'l Property Use

See Remarks: Yes

Fireplace Features

Gas Fireplace: Yes

Flooring

Tile: Yes
Vinyl: Yes

Window Features

Dual Pane: Yes

Dining Area

Breakfast Bar: Yes
Dining in LR/GR: Yes

Heating

Forced Air: Yes
Propane: Yes

View

Panoramic: Yes
Trees/Woods: Yes
Mountain(s): Yes

Kitchen Features

Dishwasher: Yes
Disposal: Yes
Kitchen Island: Yes
Built-in Microwave: Yes
Multiple Ovens: Yes
Non-laminate Counter: Yes
Pantry: Yes
Refrigerator: Yes
Electric Cooktop: Yes

Cooling

Central Air: Yes

Interior Features

Skylight(s): Yes
Vaulted Ceiling(s): Yes

Laundry

Washer Hookup: Yes

Other Rooms

Loft: Yes

Separate Den/Office

Sep Den/Office Y/N: Y

Road Access Type

Private Road: Yes

Road Surface Type

Gravel: Yes

Road Responsibility

Private Maintained Road: Yes

Technology

Cable TV Avail: Yes
High Speed Internet: Yes

Fencing

Back Yard: Yes

Water Source

Private Well: Yes

Exterior Features

Balcony: Yes
Covered Patio(s): Yes
Patio: Yes
Gazebo: Yes
Private Street(s): Yes

Spa

None: Yes

Sewer

Septic Tank: Yes

Parking Features

Circular Driveway: Yes
Attached Garage: Yes
Direct Access: Yes
RV Access/Parking: Yes

Irrigation

Flood: Yes

Foundation Details

Slab: Yes

New Financing

Cash: Yes
VA: Yes
Conventional: Yes
FHA: Yes

Energy/Green Feature

Solar Panels: Yes

Plumbing

Recirculation Pump: Yes
Propane Hot Wtr Htr: Yes

Utilities

APS: Yes
Phone Available: Yes
Propane: Yes

Existing 1st Loan

Treat as Free&Clear: Yes

Property Description

Rural: Yes

Landscaping

Gravel/Stone Front: Yes
Grass Front: Yes
Grass Back: Yes
Irrigation Front: Yes
Irrigation Back: Yes

Unit Style

Two Levels: Yes

Disclosures

Seller Discl Avail: Yes
Well Disclosure: Yes

Possession

Close of Escrow: Yes

Association Fee Incl

No Fees: Yes

Assoc Rules/Info

None: Yes

Property Features

Special Listing Cond: N/A Add'l Property Use: See Remarks Architecture: Victorian; See Remarks View: Panoramic; Trees/Woods; Mountain(s) Master Bathroom: Full Bth Master Bdrm; Separate Shwr & Tub; Double Vanity; Private Toilet Room; Tub with Jets Master Bedroom: Split; Downstairs Additional Bedroom: Other Bedroom Split; Master Bedroom Walk-in Closet Fireplace Features: Gas Fireplace Flooring: Tile; Vinyl Window Features: Dual Pane Spa: None Dining Area: Breakfast Bar; Dining in LR/GR Kitchen Features: Electric Cooktop; Disposal; Dishwasher; Built-in Microwave; Refrigerator; Multiple Ovens; Pantry; Non-laminate Counter; Kitchen Island Laundry: Washer Hookup Foundation Details: Slab Other Rooms: Loft Interior Features: Skylight(s); Vaulted Ceiling(s) Technology: Cable TV Avail; High Speed Internet Exterior Features: Balcony; Covered Patio(s); Gazebo; Patio; Private Street(s) Parking Features: Circular Driveway; Attached Garage; Direct Access; RV Access/Parking Road Access Type: Private Road Road Surface Type: Gravel Road Responsibility: Private Maintained Road Construction: Wood Frame Const - Finish: Cement Siding Roofing: Metal Cooling: Central Air Heating: Forced Air; Propane Plumbing: Recirculation Pump; Propane Hot Wtr Htr Utilities: APS; Phone Available; Propane Water Source: Private Well Irrigation: Flood Sewer: Septic Tank Fencing: Back Yard Property Description: Rural Landscaping: Gravel/Stone Front; Grass Front; Grass Back; Irrigation Front; Irrigation Back Showing Notification Methods: Text; Phone Call Lockbox Type: Other Possession: Close of Escrow Unit Style: Two Levels Association Fee Incl: No Fees Existing 1st Loan: Treat as Free&Clear New Financing: Cash; VA; FHA; Conventional Disclosures: Seller Discl Avail; Well Disclosure

Listing Office: Berkshire Hathaway HomeServices Arizona Properties

Last Updated: August - 26 - 2026