14904 W Elko Ct, Surprise, AZ 85374 Property Records

Maricopa County property record for 14904 W Elko Ct, Surprise, AZ 85374

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,997 sqft · built 1998
Lot Size	0.139 acres (6,050 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Apr 2026)
Tax Bill	$1,229 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`232-29-631`

Property Details

APN / Parcel Number

Primary APN	`232-29-631`
Alternative APN	`232296311`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,997 sqft Living Area
Gross Area	2,177 sqft
1st Floor Area	1,054 sqft
2nd Floor Area	943 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	6,050 sqft (0.139 acres)
Parking Spaces	2 Parking Spaces
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	14904 W ELKO CT
City	SURPRISE
State	AZ
Zip	85374-4464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PAD
Legal Description	KINGSWOOD PARKE PHASE ONE PARCELS 4 AND 5 MCR 422-16
Legal Range	1W
Legal Township	4N
Legal Section	32
Legal Subdivision	KINGSWOOD PARKE PHASE ONE PARCELS 4 AND
Legal Phase	1
Legal Lot Number	132
Jurisdiction	MARICOPA AZ
Township / Civil Division	WICKENBURG
Census Block Group	1
Census Block	1005
Census Tract	40530

Owner

14904 W Elko Ct is owned and occupied by an individual who bought it in April 2026.

Source: Maricopa County records, as of May 1, 2026

Owner of Record	Individual Name on File
Mailing Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Dec 1, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Apr 11, 2018	Deed of Trust, Mortgage · FHA Mortgage NETWORK CAPITAL FUNDING CORP
Jan 31, 2020	Quit Claim Deed, Transfer JETCLOSING INC
Jan 31, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Prior Sale	Jan 31, 2020 · Amount on File
Deed Document Number	2026246677
Prior Transfer Date	Sep 8, 1998
Prior Transfer Doc	0000185365
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14904W W ELKO CT, SURPRISE, AZ 85374-4464

Mortgage

Document Number	0001273942
Date	Dec 1, 2021
Instrument	20211273942

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 24, 2026
Property Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Document Number	0000246677
Instrument Date	Apr 24, 2026
Instrument	2026.246677
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	NAVI TITLE AGCY, NAVI TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Investor	Possibly a Property Investor

Mortgage

Document Number	0000246678,
Date	Apr 24, 2026
Instrument	2026..246678

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000365587
Date	May 19, 2017
Instrument	2017-0365587

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000269419
Date	Apr 11, 2018
Instrument	20180269419

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 31, 2020
Property Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Document Number	0000087798
Instrument Date	Jan 31, 2020
Instrument	87798
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	JETCLOSING INC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14904 W ELKO CT SURPRISE AZ 853744464, SURPRISE, AZ 85374-4464

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jan 31, 2020
Property Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Document Number	0000087799
Map Reference	DOC 10-0745099
Instrument Date	Jan 31, 2020
Instrument	20200087799
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	JETCLOSING INC

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
Address	25950 W ROSS AVE, 25950, BUCKEYE, AZ 85396-7243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14904 W ELKO CT, SURPRISE, AZ 85374-4464
Investor	Possibly a Property Investor

Mortgage

Document Number	0000087800
Date	Jan 31, 2020
Instrument	20200087800

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 14904 W Elko Ct was $1,229.

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

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Surprise City
Unified School District	Dysart Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$32,980 (+108.68%)	$329,800 (+2.68%) Land $65,900 Building $263,900
2025	$1,229.00	$15,804 (-57.03%)	$321,200 (-12.67%) Land $64,200 Building $257,000
2024		$36,780	$367,800 Land $73,500 Building $294,300
2023	$1,210.00

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 14904 W Elko Ct in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

The area around 14904 W Elko Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	EPCOR - AGUA FRIA private · serves 128,040 people · EPA ID AZ0407695
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Aug 2025 Corrosion control Jan 2022
Monitoring and Reporting	32 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 790 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wyyerd Connect Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 150
CenturyLink DSL	140 / 20
AirFiber WISP Fixed Wireless	100 / 25

May also be available: Verizon.

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