1202 W Lake Dr, Payson, AZ 85541 Property Records

Gila County property record for 1202 W Lake Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,715 sqft · built 1958
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Trust Names on File
Last Sale	$298,500 (May 2019)
Tax Bill	$2,043 (2025)
Deeds & Mortgages	Feb 2024 Reverse Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`304-11-016C`

Property Details

APN / Parcel Number

Primary APN	`304-11-016C`
Alternative APNs	`R032592` `032592`

Interior

Stories	1 Story
Building Area	1,715 sqft Living Area
Gross Area	2,309 sqft
1st Floor Area	1,715 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Concrete Block
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	26,572 sqft (0.61 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Canopy	219 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	R032592
Street Address	1202 W LAKE DR
City	PAYSON
State	AZ
Zip	85541-4637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 05 TOWNSHIP: 10N RANGE: 10E POR LOTS 15 & 16, COUNTRY CLUB ESTATES, PLAT 204, BEG NE COR LOT 15; TH S35D1430E, 88.27; TH S10D2736W, 113.66; TH N79D4730W, 179.85; TH ALG RIGHT CRV, 20.0; TH N10D1230E, 65.0; TH ALG RIGHT CRV, 21.47; TH N67D513
Legal Range	10E
Legal Township	10N
Legal Section	05
Legal Subdivision	COUNTRY CLUB EST
Legal Lot Number	15,16
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1000
Census Tract	301

Owner

1202 W Lake Dr is owner-occupied and held in a trust since May 2019.

Source: Gila County records, as of October 5, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1202 W LAKE DR, PAYSON, AZ 85541-4637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Reverse Mortgage CALCON MUTUAL MORTGAGE LLC
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Apr 12, 2021	Intrafamily Transfer, Transfer
May 31, 2019	Deed, Transfer · ARM CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Deed Document Number	20195745
Prior Transfer Date	Jun 1, 2011
Prior Transfer Doc	0000012502
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	1202 W LAKE DR, PAYSON, AZ 85541-4637
Transaction Type	Mortgage
Record Updated	Apr 22, 2024
Title Company	GREAT AMER TITLE AGENCY INC, GREAT AMER TTL AGCY INC MAIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001956
Date	Feb 29, 2024
Instrument	2024-001956

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	854 Months
Due	Mar 31, 2095

Interest

Rate Type	Adjustable Rate
Rate	7.31%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2024
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.3%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	1202 W LAKE DR, PAYSON, AZ 85541-4637
Transaction Type	Mortgage
Record Updated	May 24, 2022
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 W LAKE DR, PAYSON, AZ 85541-4637

Mortgage

Document Number	0000006188
Date	May 4, 2022
Instrument	2022-006188

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GILA AZ
Recording Date	Apr 12, 2021
Property Address	1202 W LAKE DR, PAYSON, AZ 85541-4637
Document Number	0000005169
Map Reference	MAP 204
Instrument Date	Apr 11, 2021
Instrument	2021-005169
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1202 W LAKE DR, PAYSON, AZ 85541-4637

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	GILA AZ
Recording Date	May 31, 2019
Property Address	1202 W LAKE DR, PAYSON, AZ 85541-4637
Document Number	0000005745
Map Reference	MAP 204
Instrument Date	Apr 9, 2019
Instrument	2019-005745
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	PIONEER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1202 W LAKE DR, PAYSON, AZ 85541-4637

Mortgage

Document Number	0000005746
Date	May 31, 2019
Instrument	2019-005746

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	7.62%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	12.6%

Tax Assessment & Valuation

The 2025 property tax bill for 1202 W Lake Dr was $2,043.

Source: Gila County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Gila County
Municipality	Payson Town
Unified School District	Payson Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$34,400 Land $9,506 Building $24,894	$343,997 Land $95,060 Building $248,937
2025	$2,043.00
2024		$31,026 Land $6,684 Building $24,342	$310,270 Land $66,845 Building $243,425
2023	$1,896.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1202 W Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1202 W Lake Dr is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 63% of Arizona
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF PAYSON serves 17,682 people · EPA ID AZ0404032
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Verizon.

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