305 N Titel St, Payson, AZ 85541 Property Records

Gila County property record for 305 N Titel St, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,178 sqft · built 1978
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$145,500 (Mar 2018)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`304-43-032`

Property Details

APN / Parcel Number

Primary APN	`304-43-032`
Alternative APNs	`R034280` `034280`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,178 sqft Living Area
1st Floor Area	1,178 sqft

Exterior

Year Built	Built 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asbestos
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Forced Air

Location & Zoning

Account Number	R034280
Street Address	305 N TITEL ST
City	PAYSON
State	AZ
Zip	85541-4446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 03 TOWNSHIP: 10N RANGE: 10E LOT 32 OF PARK PAYSON PINES OF PLAT 472NW1/4 NW1/4 SEC 3 T10N R10E = 0.29 AC
Legal Range	10E
Legal Township	10N
Legal Section	03
Legal Subdivision	PAYSON PINES
Legal Lot Number	32 1002
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1009
Census Tract	400

Owner

305 N Titel St is owned and occupied by an individual who bought it in March 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	305 N TITEL ST, PAYSON, AZ 85541-4446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 29, 2018	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Deed Document Number	2018003462
Deed Book / Page	2018003 / 462
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	305 N TITEL ST, PAYSON, AZ 85541-4446
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015713
Date	Nov 19, 2021
Instrument	2021-015713

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Mar 29, 2018
Property Address	305 N TITEL ST, PAYSON, AZ 85541-4446
Document Number	0000003464
Map Reference	MAP472
Instrument Date	Mar 21, 2018
Instrument	2018-003464
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	PIONEER TITLE AGNECY

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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 N TITEL ST, PAYSON, AZ 85541-4446

Mortgage

Document Number	0000003465
Date	Mar 29, 2018
Instrument	2018-003465

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 305 N Titel St was $1,773.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,056 Land $6,965 Building $20,091	$270,558 Land $69,647 Building $200,911
2025	$1,773.00
2024		$24,406 Land $4,436 Building $19,970	$244,057 Land $44,361 Building $199,696
2023	$1,646.00

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 305 N Titel St 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

Wildfire risk around 305 N Titel St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 68% of Arizona
Wildfire Likelihood	0.05% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 502 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Sparklight, Verizon.

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