Condos and Townhomes for Sale in Arizona

Browse condos and townhomes for sale in Arizona, from high-rise and mid-rise condominiums near downtown Phoenix to townhome communities in the suburbs and condominiums in Scottsdale’s established master plans. The listings below come from the MLS and update as homes come on and off the market.

Attached homes can offer a lower-maintenance way to own, with the homeowners association often handling exterior upkeep and shared amenities. That also means the HOA’s finances, rules and insurance become part of your purchase. We help buyers read the association documents, check whether a complex fits their loan type and understand the rental and pet rules before they commit. Scroll through the listings, then read our condo and townhome buyer guide and explore the communities where we see the most attached-home inventory.

Buying a Condo or Townhome: What to Check Before You Commit

Condo or townhome: check how it is legally set up

Listings don’t always use these labels consistently. In many townhome communities you own the lot under your home, while a condo owner typically owns the unit itself plus a shared interest in the common areas. The legal structure affects your insurance, your financing options and what the HOA maintains, so we confirm it from the recorded documents rather than the listing description.

Read the HOA documents

During escrow you should receive the association’s governing documents, such as the CC&Rs, bylaws, rules, budget and recent meeting minutes. Read them for what the dues cover, planned projects, pending disputes and rules on parking, pets, rentals and exterior changes. HOA details change, so rely on the current documents, not on older listing notes or websites.

Look at reserves and special assessments

An association’s reserve fund pays for big shared items like roofs, paving and pools. If a reserve study is available, ask for it. Thin reserves or large upcoming repairs can lead to special assessments, so ask whether any are planned or under discussion.

Rental rules

If you might rent the home out now or later, check the rules on minimum lease terms, short-term rentals and any limits on how many units can be rented. These rules vary by community and can change over time.

Insurance: master policy vs. HO-6

Condo associations carry a master policy for the building and common areas, and owners usually carry an HO-6 policy for the interior of the unit, belongings and liability. Townhome coverage depends on how the community is structured. Ask your insurance agent to review the HOA’s master policy so you know where its coverage stops and yours begins.

FHA and VA condo project approval

If you plan to use an FHA or VA loan for a condo, check eligibility first. FHA loans need an FHA-approved project or, in some cases, a single-unit approval, and VA loans need a VA-approved project. Not every complex qualifies, and approval can change, so we have your lender verify it early, before you spend money on inspections or appraisals.

Inspect the unit and the shared areas

Your inspector will focus on the unit, but also look at what you can see of the roof, exterior, parking and shared systems, and compare it with the repair plans in the HOA documents.

Communities With Condo and Townhome Options

55+ condo and townhome communities

See more age-restricted options on our 55+ communities in Arizona page.

Find the Right Condo or Townhome

Tell us where you want to live and how you plan to use the home, and we will help you narrow down complexes whose rules, financing and HOA fit your plans. Contact the Zona Team at West USA Realty to start your search.