2431 W Carter Rd, Phoenix, AZ 85041 Property Records

Maricopa County property record for 2431 W Carter Rd, Phoenix, AZ 85041

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,644 sqft · built 2002
Lot Size	0.164 acres (7,154 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Nov 2023)
Tax Bill	$2,443 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`105-86-215`

Property Details

APN / Parcel Number

Primary APN	`105-86-215`
Alternative APN	`105862155`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,644 sqft Living Area
Gross Area	2,864 sqft
1st Floor Area	1,506 sqft
2nd Floor Area	1,138 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete
Lot Area	7,154 sqft (0.164 acres)
Parking Spaces	3 Parking Spaces
Pool Area	350 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	2431 W CARTER RD
City	PHOENIX
State	AZ
Zip	85041-6407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	COPPER CREEK MCR 568-18
Legal Range	2E
Legal Township	1N
Legal Section	36
Legal Subdivision	COPPER CREEK
Legal Lot Number	71
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1023
Census Tract	116616

Owner

2431 W Carter Rd is owned and occupied by two individuals who bought it in November 2023.

Source: Maricopa County records, as of June 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 22, 2026	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Nov 15, 2023	Warranty Deed, Transfer · VA Mortgage BARRETT FINANCIAL GROUP LLC
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL INC
Apr 8, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 5, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2023 · Amount on File
Deed Sale	Nov 15, 2023 · Amount on File
Prior Sale	Jun 5, 2019 · Amount on File
Deed Document Number	2023591180
Prior Transfer Date	Jul 5, 2016
Prior Transfer Doc	0000577935
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	May 22, 2026
Property Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407
Document Number	0000309908
Instrument Date	May 19, 2026
Instrument	2026309908
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1620 CHERRY SEED CT, HAW RIVER, NC 27258-8858

Mortgage

Document Number	0000309908,
Date	May 22, 2026
Instrument	2026309908

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Nov 15, 2023
Property Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407
Document Number	0000591180
Map Reference	MB 568 PG 18
Instrument Date	Nov 13, 2023
Instrument	20230591180
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	2431 W CARTER RD, PHOENIX, AZ 85041-6407

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407

Mortgage

Document Number	0000591181
Date	Nov 15, 2023
Instrument	20230591181

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407

Mortgage

Document Number	0000283334
Date	Mar 30, 2022
Instrument	20220283334

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000299213
Date	Apr 8, 2020
Instrument	20200299213

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 5, 2019
Property Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407
Document Number	0000415770
Map Reference	DOC 02-432592
Instrument Date	May 29, 2019
Instrument	20190415770
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	OLD REPUBLIC TITLE AGENCY

Transaction

Amount	Amount on Record
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	2431 W CARTER RD, 2431, PHOENIX, AZ 85041-6407

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2431 W CARTER RD, PHOENIX, AZ 85041-6407

Mortgage

Document Number	0000415771
Date	Jun 5, 2019
Instrument	20190415771

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2431 W Carter Rd was $2,443.

Source: Maricopa County assessment roll, as of October 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,400 (+123.45%)	$404,000 (+0.3%) Land $80,800 Building $323,200
2025	$2,443.00	$18,080 (-57.88%)	$402,800 (-6.17%) Land $80,500 Building $322,300
2024		$42,930 (+18.69%)	$429,300 (+18.69%) Land $85,800 Building $343,500
2023	$2,308.00 (+2.12%)	$36,170 Land $7,230 Building $28,940	$361,700 Land $72,300 Building $289,400
2022	$2,260.00

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 2431 W Carter Rd in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 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

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

Wildfire

The area around 2431 W Carter Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 674 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
CenturyLink DSL · Fiber in parts of the area	140 / 20
AirFiber WISP Fixed Wireless	100 / 25
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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