The fact that the noise changed tells me there's something else using water in the middle of the night. By any chance, do you have a water softener that could be regenerating at 3am?
Here's the total list of connections:
Kitchen sink
Bathroom sink
Toilet
Shower
Hot water heater
Washing machine
Drip irrigation
No water softener, water hookup to frig, etc.
Short list as it is a small and simple cabin.
I guess I can switch the drip irrigation off entirely, just in case it is going off at a time that doesn't match the programming. I don't think there is anything else to turn off.
What kind of shower head do you have? We have this lovely "rainfall" shower head that seems to have a lot of water left in it after a shower . . . and it often decides to all come pouring out a good while after the last shower is taken (often after I am asleep).
How old is the cabin? Any chance that there is a hidden connection, say something like a humidifier attached to a duct that has subsequently been walled over?
There are dedicated "water hammer arrestors" that can be permanently installed near fast-closing valves to solve the problem. Around $40-60 at a supply house, but you'll need to plumb them in, so add in the cost of fittings and labor if you can't DIY.
If you have a water hammer problem, using one of those is smaller and easier to install than an expansion tank. (Don't fall for the "air trapped in a tube" BS non-solution. You need something with actual passive components inside.)
Arrestors are great if water hammer is the issue (and I forgot to mention them, d'oh), I have used them on a washing machine and I would use them in instead of an expansion tank in case.
There are water hammer arrestors that thread onto connections (at least washing machine connections) as well and would not require hiring labor out.
In any case you will still have to run down the source of the noise (if it is supply side) to ID where to install one.
Tried testing two things:
Night 1: changed timing of drip irrigation so it wasn't going on at night. No change in noise at night.
Night 2: shut off water to house and opened one tap to be sure no pressure on line. At the same time in the middle of the night (3 am), instead of the growling followed by a chunk, there was a loud gurgling like a toilet flushing.
Could there be a big enough pressure variation that even the closed valve didn't stop it? Or could it be a sewer or drain issue?
If the water pressure could overpower the valve on your incoming line, it would likely also damage/overpower just about every valve in the fixtures and appliances.
You could try opening all or at least two fixtures (both the highest and lowest in the house) both hot and cold to ensure the pipes drain.
The noises you describe on night two, could indicate that something opened and the gurgling was air being sucked into and moved through the pipes via the fixture you left open; especially in the faucet you left open was higher than the device that might be drawing water. I would try, as I suggested above, draining the lines and see of the noise reoccurs or changes.