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12793 Cottonwood — Whitewater — 4 Beds • 2 Baths • 1,670 Sq Ft | Belmont Brokerage | Belmont Brokerage

Pending

$550,000

0 DOM

$329/sqft4 bd2 ba1,670 sqft

Call

12793 Cottonwood Whitewater, CA 92282

10,019sqft lot

New construction located in an area that is like a little piece of heaven. Close to Palm Springs and DHS, this undiscovered area has a plethora of diversity in a small area. More new homes are being built on large lots with access to BLM land close by to off road, hunt just live your best life. Only one way in and limits unwanted traffic into this community. The interior offers a nice flow with the laundry off the hallway to all the bedrooms, a master suite with a full bath. Solar panels are installed, paid for and working to reduce the footprint. Kitchen, dining area and living room are open to provide an open feeling. Can lights in every area provide good lighting with ceiling fans in every room. Whitewater is above the palm springs valley and not subject to extreme heat and yet you have the breeze to keep the air clean and spectacular star gazing at night.

MLS PW26046821

951-267-1120 (Office) bob@shmrealty.com

Est. payment

$3,514/mo

Principal & interestTaxesInsurance

$2,781$573$160

Down %

Rate %

Years

Down payment: $110,000 · Total cost: $1,111,196

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$3,514/mo

Principal & interest: $2,781
Est. property tax: $573
Est. insurance: $160
Down payment: $110,000

Est. gross rent$2,292/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-1,222/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.

Price History

Event	Date	Price	Change
Listed	Mar 3, 2026	$550,000	—

Facts & Features

Structure & Property

Year Built2025

Garage Spaces2

951-267-1120 (Office) bob@shmrealty.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

12793 Cottonwood, Whitewater, CA 92282

Get Directions

Call

12793 Cottonwood Whitewater, CA 92282

About this home

Bob Collins

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Bob Collins

Sale & Tax History

No Recent Sales History

Location

12793 Cottonwood, Whitewater, CA 92282

About This Property

Location

Listing Agent

Presented by Belmont Brokerage Inc.

12793 Cottonwood Whitewater, CA 92282

About this home

Bob Collins

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Structure & Property

Bob Collins

Sale & Tax History

No Recent Sales History

Location