15945 W COTTONWOOD Street, Surprise, AZ 85374, Surprise, 85374 - 4 bed, 3 bath
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Surprise, AZ 85374
This Upgraded Solar-Powered Residence is a Prime Investment Opportunity, listed at $397,499—positioned well below the $408,982 Fair Market Value by 2%. This valuation gap provides $11,483 in Instant Equity. Boasting a Good Condition Rating, the home features a rare 5% assumable FHA loan, fully owned solar, and recent cosmetic renovations including new laminate flooring and fresh paint. With a private side deck and pet-friendly turf, it offers immediate lifestyle value near Willow Canyon High. This is an exceptional find for Owner-Occupants or Buy-and-Hold Investors.
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 15945 W COTTONWOOD Street Subject | $397,499* List Price | 4 | 3 | 1,949 | $204 | - |
A 16184 N 159TH Avenue Sold | $425,000 | 4 | 2 | 2,214 | $192 | 0.2 mi |
B 16184 N 159TH Avenue Sold | $425,000 | 4 | 2 | 2,214 | $192 | 0.2 mi |
C 15516 W MARCONI Avenue Sold | $399,000 | 4 | 3 | 2,219 | $180 | 0.6 mi |
D 15516 W MARCONI Avenue Sold | $399,000 | 4 | 3 | 2,219 | $180 | 0.6 mi |
E 16218 W DAVIS Road Active | $399,900 List Price | 4 | 3 | 2,030 | $197 | 0.3 mi |
* Subject property listed price vs sold prices of comps.
Property is move-in ready.
Although built in 1999 (>20 years old), the property has undergone significant recent cosmetic renovations including new wood laminate flooring, fresh carpet, and interior paint. The kitchen and bathrooms have been refreshed with refinished cabinetry, updated hardware, and an upgraded primary shower. The inclusion of fully owned solar and the move-in ready condition elevate it from 'Fair' to 'Good' based on the recent maintenance and upgrades.
The property features a rare 5% assumable FHA loan and fully owned solar panels with no lease, offering significant monthly savings and protection against rising utility costs.
Extensive recent improvements including new wood laminate flooring, fresh carpet, interior paint, and a modernized kitchen with refinished cabinetry provide a move-in-ready experience.
The backyard is thoughtfully designed for low-maintenance enjoyment with pet-friendly turf, lush greenery, and a unique side deck that expands the functional living space.
The local schools are rated 5 and 6 out of 10, which may be a consideration for families prioritizing high-performing educational districts.
Built in 1999, the home is approaching a 25-year milestone where original major systems like the roof or HVAC may soon require capital investment for maintenance or replacement.
ASSUMABLE 5% FHA LOAN & OWNED SOLAR. This Home Comes With Fully Owned Solar, No Lease! Located In Mountain Vista Ranch, This Beautifully Upgraded 4 Bed, 2.5 Bath Home Features New Wood Laminate Flooring, Fresh Carpet, And Interior Paint. The Kitchen Offers Refinished Cabinetry, Updated Hardware, And A Stylish Backsplash. Enjoy A Spacious Open-Concept Great Room And Convenient Downstairs Powder Room. Upstairs Offers Generous Bedrooms, While The Primary Suite Includes A Large Walk-In Closet, Upgraded Shower, And Private Toilet Room. The Backyard Is Designed For Relaxation With Lush Greenery, Pet-Friendly Turf, And A Side Deck For Added Outdoor Living. Great Curb Appeal In A Peaceful Setting; Come See Today!
No exterior & parking available.
Grades PK-8 • 1.2 mi
Grades 9-12 • 2.3 mi
No sensitive facilities data found.
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 4.0 | 2.0 | 89% |
| Baths | 3.0 | 2.0 | 77% |
| Square foot | 1,949 | 1,699 | 66% |
| Lot Size | 6,213 | 7,132.5 | 32% |
| Price | $397.5K | $280.0K | 72% |
| Price per sq ft | $204 | $161 | 57% |
| Built year | 1999 | 1999 | 50% |
| HOA | $90 | $180 | 27% |
| Days on market | 79 | 2376 | 1% |
Apr 25, 2026
$397,499
$400,000
-1% Price Drop
Initial Listing
Mar 19, 2026
$400,000
Initial Listing