176 S Central Ave, Benson, AZ 85602 Property Records

Cochise County property record for 176 S Central Ave, Benson, AZ 85602

Property Summary

Property Type	Single Family Home
Details	896 sqft · built 1918
Lot Size	0.173 acres (7,527 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Oct 2025)
Tax Bill	$996 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-20-019`

Property Details

APN / Parcel Number

Primary APN	`123-20-019`
Alternative APN	`123-20-01903`

Interior

Stories	1 Story
Building Area	896 sqft Living Area
1st Floor Area	896 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Plaster
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,527 sqft (0.173 acres)
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	123-20-01903
Street Address	176 S CENTRAL AVE
City	BENSON
State	AZ
Zip	85602-6525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRYANS ADDN S2 OF LOTS 7 8 BLK 2
Legal Subdivision	BRYANS ADDN
Legal Block	2
Legal Lot Number	7
Jurisdiction	COCHISE AZ
Township / Civil Division	BENSON
Census Block Group	3
Census Block	3005
Census Tract	301

Owner

176 S Central Ave is owned and occupied by two individuals who bought it in October 2025.

Source: Cochise County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	176 S CENTRAL AVE, BENSON, AZ 85602-6525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Oct 29, 2025	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2025 · Amount on File
Deed Sale	Oct 29, 2025 · Amount on File
Prior Sale	Jun 25, 2025 · Amount on File
Deed Document Number	202519725
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCHISE AZ
Property Address	176 S CENTRAL AVE, BENSON, AZ 85602-6525
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022224
Date	Dec 4, 2025
Instrument	2025-22224

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Nov 1, 2035

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCHISE AZ
Recording Date	Oct 29, 2025
Property Address	176 S CENTRAL AVE, BENSON, AZ 85602-6525
Document Number	0000019725
Map Reference	MB 1 PG 24
Instrument Date	Oct 22, 2025
Instrument	2025-19725
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount 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	6021 STREAMVIEW DR, SAN DIEGO, CA 92115-6621

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	176 S CENTRAL AVE, BENSON, AZ 85602-6525

Mortgage

Document Number	0000019726
Date	Oct 29, 2025
Instrument	2025-19726

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000019727
Date	Oct 29, 2025
Instrument	2025-19727

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	122 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 176 S Central Ave was $996, up 3.2% from the year before.

Source: Cochise County assessment roll, as of October 13, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Cochise County
Municipality	Benson City
Unified School District	Benson Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$11,845 (+13.31%) Land $1,650 Building $10,195	$118,454 (+13.31%) Land $16,500 Building $101,954
2025	$996.00 (+3.21%)	$10,454 (+22.08%) Land $1,650 Building $8,804	$104,538 (+22.09%) Land $16,500 Building $88,038
2024	$965.00 (+4.1%)	$8,563 Land $1,650 Building $6,913	$85,626 Land $16,500 Building $69,126
2023	$927.00

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 176 S Central Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 176 S Central Ave is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 55% of Arizona
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BENSON, CITY OF WATER SYSTEM serves 5,355 people · EPA ID AZ0402005
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	1,000 / 35
MTE Communications Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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