Homes For Sale in Cottonwood Country Club Live MLS listings, updated all day. Tap what you’re looking for:Cottonwood Country Club: A Buyer’s Guide
The value play in Sun Lakes with a twist — it’s the one community with a kids’ pool, so the grandkids have somewhere to swim. Not gated, its own par-72 golf course, and it shares amenities with guard-gated Palo Verde.
Cottonwood was the second community built in Sun Lakes, opening in 1979 right after the original Sun Lakes Country Club. It’s a full country club community with its own 18-hole golf course, clubhouse, dining, pools, and courts — and it carries one of the friendlier price points of the five. New to Sun Lakes? It’s five separate country club communities, not one. Cottonwood is one of two open (non-gated) communities and one of the more affordable ways in.
The one community with a kids’ pool
Here’s what sets Cottonwood apart: it has its own pool for children under 16. In a 55+ world, most pools are adults-only, so that’s a real difference-maker. When the grandkids visit for a week in the summer — and in Sun Lakes, they will — they have a place of their own to swim. For a lot of buyers who host family often, that one pool settles which Sun Lakes community to pick.
To be clear, this is still a 55+ active adult community with the same age rules as the rest of Sun Lakes — at least one resident 55 or older in most homes, and the kids’ pool is for visiting grandchildren, not year-round residents. But if you’re the household everyone comes to see, it matters.
Shares amenities with Palo Verde
Cottonwood and Palo Verde are paired — they share amenities. Live in Cottonwood and you can use Palo Verde’s facilities too, and vice versa. That effectively doubles what’s available to you: two clubhouses, two sets of pools and courts, more of everything.
The catch worth knowing: Palo Verde is guard gated and Cottonwood is not. So from Cottonwood you get the perk of a gated community’s amenities without paying the gated community’s fee. Some buyers love that trade. Others want the gate itself — if that’s you, look at Palo Verde directly, or read our side-by-side, Cottonwood vs. Palo Verde.
And the Sun Lakes-wide rule still holds: outside your pair, you can’t drop in on Ironwood’s or Oakwood’s amenities unless you’re a guest of an owner there. But you can eat at any of the five communities’ restaurants, anytime.
Golf & daily life
Cottonwood has its own clubhouse with the full country club menu — fitness, tennis, pickleball, pools, hobby and craft rooms, and a busy social calendar. And its golf is the real thing: Cottonwood Country Club is a full-length, par-72 championship course — not an executive layout — playing up to about 6,584 yards from the back tees, with a set of shorter tees so it stays fair for every game. If you want a genuine 18 close to home, this is one of the strongest courses in Sun Lakes.
| Cottonwood Country Club | Yardage | Rating/Slope |
|---|---|---|
| Black (championship) | 6,584 | 71.8 / 127 |
| Blue | 6,258 | — |
| White | 5,812 | — |
| Green | 5,247 | — |
| Gold (forward) | 4,841 | — |
Par 72, 18 holes. There are several ways to play — ask us about the current membership and green-fee options, and if you want a home right on the course, tap the golf-home search below.
See what’s for sale in Cottonwood right now
Live single-family MLS listings, updated throughout the day. Want the townhomes or golf-course homes instead? Tap those searches.
Explore Sun Lakes by amenity: floor plans (every Robson model by size), golf (all five courses), and pickleball (courts & clubs).
Homes here
Cottonwood has both single-family homes and townhomes. The townhomes are the lower-maintenance, lock-and-leave option — popular with snowbirds and anyone who’d rather not fuss with a yard. They sit in Units 11 and 19, each of which has its own second HOA in addition to the community dues.
One thing we always verify on the townhomes: because Units 11 and 19 each carry a separate sub-association, they have an additional fee on top of the community HOA, and what that fee covers varies — sometimes exterior maintenance, sometimes more, sometimes less. We never assume. Before you write an offer on a townhome, we pin down the exact monthly amount and exactly what it includes, in writing. (Master-plan insurance is available on the townhomes only.)
What it costs to buy here (2026)
| Fee | 2026 amount | Notes |
|---|---|---|
| Annual HOA dues | $1,842 | About $154/month |
| Townhome sub-HOA fee | Varies | Units 11 & 19 only — verify amount & coverage |
| Capital contribution fee | $5,000 | One-time |
| Transfer fee | $400 | One-time |
| Resale disclosure fee | $400 | One-time |
| At closing (single-family) | ~$5,800 | Plus a $100 rush fee if docs are needed inside 72 hrs |
Golf is separate, and townhomes add their sub-association fee. We confirm every figure with the association before you commit. Fees are current for 2026 as provided and subject to change.
Is Cottonwood right for you?
A great fit if you…
- Host grandkids often and want a pool they can use.
- Want a value price point in Sun Lakes.
- Like getting Palo Verde’s amenities without the gated fee.
- Want a full-length, par-72 championship course close to home.
- Want a townhome for lock-and-leave living.
Worth knowing before you buy…
- Not gated. Want a guard gate? Its partner Palo Verde has one.
- Townhome fees vary by unit — always verify the amount and coverage.
- You share with Palo Verde only — not with Ironwood or Oakwood.
Thinking about Cottonwood?
I’m Jarl Kubat, a licensed Arizona agent with 22+ years in Arizona’s 55+ communities. I’ll pin down the townhome fees, check the home honestly, and make sure Cottonwood is the right one of the five for you.
Call or Text: (480) 710-6326 Contact PageFrequently asked questions
Is Cottonwood a retirement community?
Yes — Cottonwood is a 55+ active adult retirement community in Sun Lakes, not gated, with its own par-72 golf course and the only kids’ pool in Sun Lakes for visiting grandchildren. At least one resident must be 55 or older.
Does Cottonwood really have a kids’ pool?
Yes — Cottonwood has its own pool for children under 16, which no other Sun Lakes community offers. It’s still a 55+ community, so the pool is for visiting grandchildren, not permanent young residents. But if family visits often, it’s a genuine reason to pick Cottonwood.
Is Cottonwood gated?
No, Cottonwood is not gated. Its amenity partner Palo Verde is guard gated, and because the two share facilities, you can use Palo Verde’s amenities from Cottonwood without paying a gated community’s fee.
What kind of golf course does Cottonwood have?
A full-length, par-72 championship course — Cottonwood Country Club — playing up to about 6,584 yards from the back tees, with several forward tees. It’s one of the longer, more traditional courses in Sun Lakes, in contrast to Palo Verde’s shorter par-62 executive layout.
What’s the deal with townhome fees?
Cottonwood’s townhomes are in Units 11 and 19, and each unit has a second HOA with additional dues on top of the community HOA. What it covers varies from one to the other, so we never assume — we get the exact amount and coverage in writing before you offer.
What does “shares amenities with Palo Verde” mean?
Cottonwood and Palo Verde are paired, so residents of either can use both communities’ facilities — two clubhouses, two sets of pools and courts. You still can’t use Ironwood’s or Oakwood’s amenities unless you’re a guest of an owner there, though you can eat at all five restaurants.
The rest of Sun Lakes
- Sun Lakes overview — all five communities compared, and how to choose.
- Palo Verde — Cottonwood’s guard-gated amenity partner. Or read Cottonwood vs. Palo Verde.
- Sun Lakes Country Club — the original, owned land, lowest buy-in.
- Ironwood and Oakwood — the guard-gated IronOaks pair. See Ironwood vs. Oakwood.
Read the full Sun Lakes buyer’s guide → · See all Arizona 55+ communities we serve →
Listing accuracy: Property listings and availability are drawn from the Arizona Regional MLS and are believed accurate but not guaranteed. Confirm details with your agent before relying on them.
Fees & community information: Fees are current for 2026 as provided and subject to change by the Cottonwood association (Sun Lakes HOA #2). Amenities, golf membership options, age rules, townhome/sub-association fees, and CC&Rs are summarized for general information and can change. Homes are resale; condition varies by property — always obtain a licensed home inspection. Verify all figures and rules with the association or your licensed agent before you buy. This page is independent buyer-focused information and is not affiliated with or endorsed by the Cottonwood association or Robson. Jarl Kubat is a licensed Arizona real estate agent.
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