224 S Elm Dr, Payson, AZ 85541 Property Records

Gila County property record for 224 S Elm Dr, Payson, AZ 85541

Property Summary

Property Type	Rural Home
Details	2,706 sqft · built 1981
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jun 2019)
Tax Bill	$2,772 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`304-31-044A`

Property Details

APN / Parcel Number

Primary APN	`304-31-044A`
Alternative APNs	`R033302` `033302`

Interior

Stories	2 Stories
Building Area	2,706 sqft Living Area
1st Floor Area	1,353 sqft
Basement Area	930 sqft
Finished Basement	930 sqft

Exterior

Year Built	Built 1981
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Shingle
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	337 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air

Location & Zoning

Account Number	R033302
Street Address	224 S ELM DR
City	PAYSON
State	AZ
Zip	85541-2068
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SECTION: 24 TOWNSHIP: 09N RANGE: 10E POR OF LOT 37 OF GISELA RANCHES SUBDIVISION OF PLAT 404 LYING NORTH OF DESC LINE BEG AT
Legal Range	10E
Legal Township	09N
Legal Section	24
Legal Subdivision	GISELA
Legal Lot Number	37S
Jurisdiction	GILA AZ
Township / Civil Division	TONTO BASIN
Census Block Group	1
Census Block	1005
Census Tract	600

Owner

Source: Gila County records, as of December 4, 2025

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	3536 E ELMWOOD ST, MESA, AZ 85213-6237
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Jun 27, 2019	Warranty Deed, Transfer NOT AVAILABLE
Jan 7, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Jan 7, 2019
Deed Document Number	2019-006929
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	224 S ELM DR, PAYSON, AZ 85541-2068
Transaction Type	Mortgage
Record Updated	Nov 14, 2025
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 S ELM DR, PAYSON, AZ 85541-2068

Mortgage

Document Number	0000009637
Date	Oct 30, 2025
Instrument	2025-009637

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	224 S ELM DR, PAYSON, AZ 85541-2068
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	EMPIRE WEST TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008628
Date	Jul 29, 2020
Instrument	2020-008628

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jun 27, 2019
Property Address	224 S ELM DR, PAYSON, AZ 85541-2068
Document Number	0000006929
Instrument Date	Jun 1, 2019
Instrument	06929
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3536 E ELMWOOD ST MESA AZ 852136237, MESA, AZ 85213-6237

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GILA AZ
Recording Date	Jan 7, 2019
Property Address	224 S ELM DR, PAYSON, AZ 85541-2068
Document Number	0000000377
Instrument Date	Dec 15, 2018
Instrument	377
Transaction Type	Transfer
Record Updated	Feb 7, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 S ELM DR PAYSON AZ 855412068, PAYSON, AZ 85541-2068

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arizona
County	Gila County
Unified School District	Payson Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,389 (+7.04%) Land $6,288 Building $46,101	$523,894 (+7.04%) Land $62,880 Building $461,014
2025	$2,772.00 (+22.06%)
2024		$48,944 Land $4,138 Building $44,806	$489,442 Land $41,385 Building $448,057
2023	$2,271.00

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 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	20 (1993–2018)
Claims Outside the SFHA	1 of 20
Most Recent Claim	Jul 2018 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Jan 2010 · 9 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	High above 83% of the US · above 74% of Arizona
Wildfire Likelihood	0.5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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