Gila County property record for 208 W Saddle Ln, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 1,120 sqft · built 1994 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,229 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-36-020A |
| Primary APN | 302-36-020A |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Asbestos |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Carport |
| Garage Area | 252 sqft |
| Carport | Carport |
| Carport Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 224 sqft |
| Canopy | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R021542 |
|---|---|
| Street Address | 208 W SADDLE LN |
| City | PAYSON |
| State | AZ |
| Zip | 85541-3159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 20 SECTION: 27 TOWNSHIP: 11N RANGE: 10E POR LOT 20 PAYSON RANCHOS; PLAT MAP 167 ;BEG SW COR LOT 20;TH N25D3545 E 99.80 TH S64D2415 E 66.05;TH S25D3545 W 99.80;TH N64D2415 W 65.15 =0.15 AC M/L (OUT OF 302-36-020) |
| Legal Range | 10E |
| Legal Township | 11N |
| Legal Section | 27 |
| Legal Subdivision | PAYSON RANCH |
| Legal Lot Number | 20 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 302 |
208 W Saddle Ln is owned and occupied by two individuals who acquired it in February 2023.
Source: Gila County records, as of February 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 208 W SADDLE LN, PAYSON, AZ 85541-3159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Mar 30, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2020 |
| Deed Sale | Mar 30, 2020 |
| Prior Sale | Apr 28, 2015 |
| Deed Document Number | 20203695 |
| Last Transfer Date | Feb 21, 2023 |
| Transfer Doc | 0000001480 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 208 W SADDLE LN, PAYSON, AZ 85541-3159 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 208 W SADDLE LN, PAYSON, AZ 85541-3159 |
| Document Number | 0000002203 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 2022-002203 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 208 W SADDLE LN, PAYSON, AZ 85541-3159 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | PIONEER TITLE COMPANY, PIONEER TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000003665 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 2021-003665 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Mar 30, 2020 |
| Property Address | 208 W SADDLE LN, PAYSON, AZ 85541-3159 |
| Document Number | 0000003695 |
| Map Reference | MAP 167 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 2020-003695 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2021 |
| Title Company | PIONEER TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 208 W SADDLE LN, PAYSON, AZ 85541-3159 |
| Document Number | 0000003696 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 2020-003696 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 208 W Saddle Ln was $1,229.
Source: Gila County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Arizona |
| County | Gila County |
| Municipality | Payson Town |
| Unified School District | Payson Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $24,406 Land $5,285 Building $19,121 | $244,059 Land $52,849 Building $191,210 | |
| 2025 | $1,229.00 | ||
| 2024 | $22,349 Land $3,084 Building $19,265 | $223,488 Land $30,841 Building $192,647 | |
| 2023 | $1,141.00 |
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.
FEMA maps place 208 W Saddle Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 30, 2025
| 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 risk around 208 W Saddle Ln is moderate, ranking above 68% 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 68% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF PAYSON serves 17,682 people · EPA ID AZ0404032 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 4 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 183 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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