270 E Shadow Rdg, Cottonwood, AZ 86326 Property Records

Yavapai County property record for 270 E Shadow Rdg, Cottonwood, AZ 86326

Property Summary

Property Type	Single Family Home
Details	2,300 sqft · built 2005
Lot Size	2.07 acres (90,169 sqft)
Owner	Individual Name on File
Last Sale	$660,000 (Feb 2021)
Tax Bill	$4,438 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`406-17-003L`

Property Details

APN / Parcel Number

Primary APN	`406-17-003L`
Alternative APN	`40617003L5`

Interior

Stories	1 Story
Building Area	2,300 sqft Living Area
Gross Area	3,110 sqft
1st Floor Area	2,300 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Concrete
Lot Area	90,169 sqft (2.07 acres)
Garage Type	Attached
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	1,622 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	40617003L5
Street Address	270 E SHADOW RDG
City	COTTONWOOD
State	AZ
Zip	86326-2840
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A RECT PCL NW4 SE COR APPROX 3669 W & 801 N FROM E4 COR SEC 22- 15-3E CONT 2.07AC
Legal Range	03E
Legal Township	15
Legal Section	22
Jurisdiction	YAVAPAI AZ
Township / Civil Division	MINGUS MOUNTAIN
Census Block Group	1
Census Block	1016
Census Tract	2005

Owner

270 E Shadow Rdg is owned and occupied by an individual who bought it in February 2021.

Source: Yavapai County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	270 E SHADOW RDG, COTTONWOOD, AZ 86326-2840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Oct 23, 2018	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Oct 26, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Oct 26, 2018 · Amount on File
Deed Document Number	20216985
Prior Transfer Date	Jan 4, 2019
Prior Transfer Doc	20190000964
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YAVAPAI AZ
Recording Date	Feb 1, 2021
Property Address	270 E SHADOW RDG, COTTONWOOD, AZ 86326-2840
Document Number	0000006985
Instrument Date	Jan 27, 2021
Instrument	2021-0006985
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	YAVAPAI TITLE COMPANY, YAVAPAI TITLE

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	270 E SHADOW RDG, 270, COTTONWOOD, AZ 86326-2840

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 554, COTTONWOOD, AZ 86326-0554

Mortgage

Document Number	0000006986
Date	Feb 1, 2021
Instrument	2021-0006986

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAVAPAI AZ
Property Address	270 E SHADOW RDG, COTTONWOOD, AZ 86326-2840
Document Number	0000000471
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019
Title Company	STEWART TITLE, STEWART TITLE & TRUST-SEDONA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 CREEK ROCK RD SEDONA AZ 863517375, SEDONA, AZ 86351-7375

Mortgage

Document Number	0000000471
Date	Jan 4, 2019
Instrument	471

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YAVAPAI AZ
Recording Date	Oct 26, 2018
Property Address	270 E SHADOW RDG, COTTONWOOD, AZ 86326-2840
Document Number	0000055170
Instrument Date	Oct 18, 2018
Instrument	55170
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	STEWART TITLE, STEWART TITLE & TR/PHOENIX

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20603 SEDONA AZ 863410603, SEDONA, AZ 86341-0603

Mortgage

Document Number	55171
Date	Oct 26, 2018
Instrument	55171

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 270 E Shadow Rdg was $4,438, up 4.8% from the year before.

Source: Yavapai County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Yavapai County
Elementary School District	Cottonwood-Oak Creek Elementary District (PK - 08)
Secondary School District	Mingus Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$76,712 (+2.01%)	$767,122 (+2.01%) Land $128,770 Building $638,352
2026		$75,201 (+2.42%)	$752,006 (+2.42%) Land $117,744 Building $634,262
2025	$4,438.00 (+4.84%)	$73,421 Land $12,731 Building $60,690	$734,215 Land $127,312 Building $606,903
2024	$4,233.00
2022	$3,985.00

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 270 E Shadow Rdg in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 270 E Shadow Rdg is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 70% of Arizona
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Verde Valley Internet Fixed Wireless	100 / 25
Bolt Internet Fixed Wireless	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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