2045 E Charlotte Dr, Phoenix, AZ 85024 Property Records

Maricopa County property record for 2045 E Charlotte Dr, Phoenix, AZ 85024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft · built 2020
Lot Size	0.134 acres (5,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Apr 2026)
Tax Bill	$2,467 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`212-15-659`

Property Details

APN / Parcel Number

Primary APN	`212-15-659`
Alternative APN	`212156596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,612 sqft Living Area
Gross Area	1,762 sqft
1st Floor Area	1,612 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	5,850 sqft (0.134 acres)
Parking Spaces	3 Parking Spaces
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2045 E CHARLOTTE DR
City	PHOENIX
State	AZ
Zip	85024-5309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	HILLSTONE SOUTH PARCEL 1 MCR 1404-31
Legal Range	3E
Legal Township	4N
Legal Section	10
Legal Subdivision	HILLSTONE SOUTH PARCEL 1
Legal Lot Number	160
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	1
Census Block	1000
Census Tract	612402

Owner

Source: Maricopa County records, as of July 6, 2026

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 Record
Mailing Address	6901 E CHAUNCEY LN, 2032, PHOENIX, AZ 85054-5119
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 25, 2022	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 23, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Aug 25, 2022 · Amount on Record
Deed Document Number	2026245860
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2045 E CHARLOTTE DR, PHOENIX, AZ 85024-5309
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E CHARLOTTE DR, PHOENIX, AZ 85024-5309

Mortgage

Document Number	0000708747
Date	Jun 29, 2021
Instrument	20210708747

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.12%
Index	Other
Max Rate	7.12%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Apr 24, 2026
Property Address	2045 E CHARLOTTE DR, PHOENIX, AZ 85024-5309
Document Number	0000245860
Instrument Date	Apr 23, 2026
Instrument	2026245860
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE AGENCY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property

Mortgage

Document Number	0000245861,
Date	Apr 24, 2026
Instrument	2026245861

Lender

Name	SUN WEST MORTGAGE COMPANY INC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 25, 2022
Property Address	2045 E CHARLOTTE DR, PHOENIX, AZ 85024-5309
Document Number	0000668009
Map Reference	MB 1404 PG 31
Instrument Date	Aug 16, 2022
Instrument	20220668009
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE AGENCY

Transaction

Amount	Amount Recorded
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	2045 E CHARLOTTE DR, 2045, PHOENIX, AZ 85024-5309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E CHARLOTTE DR, PHOENIX, AZ 85024-5309

Mortgage

Document Number	0000668010
Date	Aug 25, 2022
Instrument	20220668010

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

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

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 23, 2020
Property Address	2045 E CHARLOTTE DR, PHOENIX, AZ 85024-5309
Document Number	0000661864
Instrument Date	Jun 9, 2020
Instrument	661864
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 31, 2020
Title Company	DHI TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.00
Amount Accuracy	Confirmed
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	2045 E CHARLOTTE DR PHOENIX AZ 850245309, PHOENIX, AZ 85024-5309

Mortgage

Document Number	661865
Date	Jul 23, 2020
Instrument	661865

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

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		$50,970 (+78.85%)	$509,700 (+1.13%) Land $101,900 Building $407,800
2025	$2,467.00 (+5.02%)	$28,499 (-42.2%)	$504,000 (+2.21%) Land $100,800 Building $403,200
2024		$49,310	$493,100 Land $98,600 Building $394,500
2023	$2,349.00

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	2 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

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

Wildfire Risk	Moderate above 57% of the US · above 45% of Arizona
Wildfire Likelihood	0.1% 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	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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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