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3120 W Tortoise Ln, Chino Valley, AZ, 86323

4beds
2baths
1,825sqft
$424,900
$233price/sqft
$2,622/moest. monthly cost
$104,880/yrincome needed

About This Home

Experience the freedom of private rural living on 3.46 acres with a NEW private well producing 25+ GPM and a BRAND NEW 4 bedroom, 2 bath, 1,825 sq ft home packed with upgrades. This home will be ground-set upon completion eliminating stairs and creating a clean, seamless finished look. Enjoy panoramic views from the large front and rear concrete patios scheduled for installation. The driveway and parking area, and perimeter around the home will be finished with quicksilver material offering durability, clean aesthetics, and low maintenance. Inside, the home features 9' flat ceilings, extra-tall wood cabinetry, stainless steel farmhouse sink, upgraded stainless appliance package with side-by-side refrigerator, 2'' faux wood blinds, and an amazing 72' spa tile master walk-in shower. Built with 2x6 construction, upgraded insulation, and architectural shingles, this home delivers long-term efficiency and strength. A 1-Year Manufacturer's Warranty provides peace of mind. Move-in ready mid September. Current interior photos are of the same model but different home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
2/10
Heritage Middle SchoolGrades 6-82.2 mi
5/10
Chino Valley High SchoolGrades PK,9-123.0 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition
  • Construction materials: Frame

Other

  • Builder name: Cavco

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Contemporary
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Oven,Refrigerator,See Remarks
  • Laundry features: Wash/Dry Connection

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Stem Wall

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Kit/Din Combo,Kitchen Island,Laminate Counters,Liv/Din Combo,Live on One Level,Master Downstairs,High Ceilings,See Remarks,Walk-In Closet(s)
  • Window features: Skylight(s),Double Pane Windows,Blinds
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,825
  • Total interior livable area: 1,825 sqft

Property

Details

  • Zoning: RCU-2A

Features

  • Patio & porch: Patio
  • Exterior features: Level Entry,Native Species
  • Has view: Yes
  • View description: Mountain(s),Panoramic
  • Topography of land: Hillside,Level,Other - See Remarks,Rural,Sloped - Gentle,Views

Lot

  • Lot size: 3.46 Acres

Parking

  • Parking features: Driveway Gravel
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Wildfire
Hail
Heat Wave
Winter Weather

FEMA Declared Disasters in Yavapai County and Arizona

Fire
Flood
Snowstorm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,148$25,776
Home Insurance $117$1,404
Property Taxes $141$1,692
Electricity $216$2,603
Total$2,622$31,464

Income You'd Need if You Spent...

35% on housing$89,897/yr
40% on housing$78,660/yr
45% on housing$69,920/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 1.2%
1.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 86323$208
Yavapai County$263

vs Homes Sold Last Month

Median $/sqft

ZIP 86323$280
Yavapai County$289

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-30Listed for sale$424,900

New Construction

AgentCharles S. Clark
BrokerageClark Realty Homes and Land

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