15945 W COTTONWOOD Street, Surprise, AZ 85374, Surprise, 85374 - 4 bed, 3 bath
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Surprise, AZ 85374
This Upgraded Single-Family Residence is a High-Potential Investment Opportunity, listed at $400,000—positioned well below the $417,717 Fair Market Value by 4%. This valuation gap provides $17,717 in Instant Equity. Boasting a Condition Rating of 3, the home features a rare 5% Assumable FHA Loan, Fully Owned Solar, and new wood laminate flooring. Located near Parkview Elementary and Willow Canyon High, the property includes a private side deck and pet-friendly turf. 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 | $400,000* List Price | 4 | 3 | 1,949 | $214 | - |
A 16184 N 159TH Avenue Sold | $425,000 | 4 | 2 | 2,214 | $192 | 0.2 mi |
B 16053 W CARMEN Drive Sold | $385,000 | 4 | 2 | 1,766 | $218 | 0.6 mi |
C 16242 N 160TH Avenue Sold | $440,000 | 3 | 3 | 1,949 | $226 | 0.1 mi |
D 15516 W MARCONI Avenue Sold | $399,000 | 4 | 3 | 2,219 | $180 | 0.6 mi |
E 15516 W MARCONI Avenue Sold | $399,000 | 4 | 3 | 2,219 | $180 | 0.6 mi |
F 16124 N 160TH Avenue Active | $450,000 List Price | 3 | 3 | 1,833 | $245 | 0.2 mi |
* Subject property listed price vs sold prices of comps.
Property is move-in ready.
The property is move-in ready and features several recent cosmetic upgrades that elevate its condition. Although built in 1999, the home has been refreshed with new wood laminate flooring, fresh carpet, and interior paint. The kitchen, while retaining its original layout, has been updated with refinished cabinetry, new hardware, and a stylish backsplash. Additional value-adds like the upgraded primary shower and fully owned solar panels justify a 'good' rating, as the home appears well-maintained with no immediate renovations required.
The property offers a rare 5% assumable FHA loan and fully owned solar panels, providing significant long-term savings and immediate equity value for the buyer.
Extensive recent improvements including new wood laminate flooring, fresh carpet, interior paint, and refinished cabinetry ensure a modern, move-in-ready experience.
The backyard is professionally designed for relaxation and utility, featuring pet-friendly turf, a side deck, and lush greenery that enhances the home's overall living area.
With all bedrooms located on the upper level, the floor plan may not appeal to buyers seeking multi-generational living or a primary suite on the main floor.
Built in 1999, the home is over 25 years old, meaning original major systems like the roof or HVAC may be nearing the end of their typical functional lifespan.
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 | 73% |
| Square foot | 1,949 | 1,708.5 | 67% |
| Lot Size | 6,213 | 7,172.5 | 29% |
| Price | $400.0K | $320.0K | 72% |
| Price per sq ft | $205 | $180 | 55% |
| Built year | 1999 | 1999 | 50% |
| HOA | $90 | $183 | 27% |
| Days on market | 34 | 2115 | 0% |
Mar 19, 2026
$400,000
Initial Listing