1231 E Monte Cristo Ave, Phoenix, AZ 85022 Property Records

Maricopa County property record for 1231 E Monte Cristo Ave, Phoenix, AZ 85022

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,677 sqft · built 1991
Lot Size	0.273 acres (11,881 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Nov 2022)
Tax Bill	$4,217 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`214-18-199`

Property Details

APN / Parcel Number

Primary APN	`214-18-199`
Alternative APN	`214181993`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,677 sqft Living Area
Gross Area	2,920 sqft
1st Floor Area	2,677 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Combination
Construction Type	Frame
Roof Material	Tile
Lot Area	11,881 sqft (0.273 acres)
Parking Spaces	2 Parking Spaces
Pool Area	494 sqft
Patio Area	243 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1231 E MONTE CRISTO AVE
City	PHOENIX
State	AZ
Zip	85022-3239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	MOON VALLEY CANYON LOT 1-119 TR A-I MCR 271-37
Legal Range	3E
Legal Township	3N
Legal Section	4
Legal Subdivision	MOON VALLEY CANYON LOT 1-119 TR A-I
Legal Lot Number	68
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2004
Census Tract	103611

Owner

Source: Maricopa County assessment roll, as of October 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 2, 2022	Intrafamily Transfer, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Nov 2, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 23, 2019	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 2, 2022 · Amount on Record
Deed Sale	Nov 2, 2022 · Amount on Record
Prior Sale	Jun 1, 2021 · Amount on Record
Deed Document Number	2022815291
Prior Transfer Date	Sep 22, 2022
Prior Transfer Doc	0000815294
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000769191
Date	Aug 21, 2020
Instrument	20200769191

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Nov 2, 2022
Property Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Document Number	0000815292
Map Reference	MB 271 PG 37
Instrument Date	Sep 22, 2022
Instrument	20220815292
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

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
Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 2, 2022
Property Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Document Number	0000815291
Map Reference	MB 271 PG 37
Instrument Date	Sep 22, 2022
Instrument	20220815291
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVC AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	1231 E MONTE CRISTO AVE, 1231, PHOENIX, AZ 85022-3239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239

Mortgage

Document Number	0000815293
Date	Nov 2, 2022
Instrument	20220815293

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2027
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	10.2%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Nov 2, 2022
Property Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Document Number	0000815294
Map Reference	MB 271 PG 37
Instrument Date	Sep 22, 2022
Instrument	20220815294
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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	Community Property with Right of Survivorship
Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 1, 2021
Property Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Document Number	0000606388
Map Reference	MB 271 PG 37
Instrument Date	May 25, 2021
Instrument	20210606388
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS TITLE OF ARIZONA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	1231 E MONTE CRISTO AVE, 1231, PHOENIX, AZ 85022-3239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239

Mortgage

Document Number	0000606389
Date	Jun 1, 2021
Instrument	20210606389

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Mortgage

Document Number	0000606390
Date	Jun 1, 2021
Instrument	20210606390

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Jul 23, 2019
Property Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239
Document Number	0000556285
Map Reference	MB 271 PG 37
Instrument Date	Jul 18, 2019
Instrument	20190556285
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	DRIGGS TITLE AGENCY INC

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	Community Property with Right of Survivorship
Address	1231 E MONTE CRISTO AVE, PHOENIX, AZ 85022-3239

Mortgage

Document Number	0000556286
Date	Jul 23, 2019
Instrument	20190556286

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Unified School District	Paradise Valley Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,550 (+43.31%)	$675,500 (+6.88%) Land $135,100 Building $540,400
2025	$4,217.00 (+5.61%)	$47,137 (-31%)	$632,000 (-7.48%) Land $126,400 Building $505,600
2024		$68,310	$683,100 Land $136,600 Building $546,500
2023	$3,993.00

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

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2021 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	CITY OF PHOENIX serves 1,695,000 people · EPA ID AZ0407025
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Wi-Fiber Fixed Wireless	400 / 150

May also be available: Lumen Technologies, Verizon.

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