2016 E Gardenia Ave, Phoenix, AZ 85020 Property Records

Maricopa County property record for 2016 E Gardenia Ave, Phoenix, AZ 85020

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,618 sqft · built 1972
Lot Size	0.254 acres (11,088 sqft)
Owner	Company Name on Record
Last Sale	$449,500 (Aug 2015)
Tax Bill	$5,060 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2022 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`164-28-030`

Property Details

APN / Parcel Number

Primary APN	`164-28-030`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,618 sqft Living Area
Gross Area	2,745 sqft
1st Floor Area	2,618 sqft

Exterior

Year Built	Built 1972
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Material	Built-Up Asphalt
Lot Area	11,088 sqft (0.254 acres)
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	2016 E GARDENIA AVE
City	PHOENIX
State	AZ
Zip	85020-4723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	LINCOLN VIEW
Legal Range	03E
Legal Township	02N
Legal Section	03
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	LINCOLN VIEW
Legal Lot Number	13
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2004
Census Tract	105102

Owner

Source: Maricopa County records, as of November 20, 2025

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

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Feb 2, 2022	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Feb 2, 2022	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Jan 3, 2017	Deed of Trust, Mortgage · ARM BNY MELLON NA
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 6, 2015 · Amount on Record
Deed Sale	Aug 6, 2015 · Amount on Record
Prior Sale	Sep 23, 2003 · Amount on Record
Deed Document Number	20150570372
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Transaction Type	Mortgage
Record Updated	Jul 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 29232, PHOENIX, AZ 85038-9232

Mortgage

Document Number	0000332908
Date	Jun 27, 2023
Instrument	20230332908

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000098322
Date	Feb 2, 2022
Instrument	20220098322

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000098306
Date	Feb 2, 2022
Instrument	20220098306

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723

Mortgage

Document Number	0000762788
Date	Jul 13, 2021
Instrument	20210762788

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002633
Date	Jan 3, 2017
Instrument	2017-0002633

Lender

Name	BNY MELLON NA
Type	Bank
Address	BOSTON, MA 02108

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2016 E GARDENIA AVE, PHOENIX, AZ 85020-4723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421133
Date	May 18, 2020
Instrument	20200421133

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Elementary School District	Madison Elementary District (PK - 08)
Secondary School District	Phoenix Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,970 (+1.36%)	$959,700 (+1.36%) Land $191,900 Building $767,800
2025	$5,060.00 (+8.77%)
2024		$94,680	$946,800 Land $189,300 Building $757,500
2023	$4,652.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1990–2014)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2014 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2014 · 2 claims

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 80% of the US · lower than 87% of Arizona
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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