305 S Arroyo Dr, Payson, AZ 85541 Property Records

Gila County property record for 305 S Arroyo Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,429 sqft · built 1994
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Feb 2020)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304-09-099`

Property Details

APN / Parcel Number

Primary APN	`304-09-099`
Alternative APNs	`R032370` `032370`

Interior

Stories	1 Story
Building Area	1,429 sqft Living Area
1st Floor Area	1,429 sqft
Basement Area	936 sqft
Finished Basement	936 sqft

Exterior

Year Built	Built 1994
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Asbestos
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Built-in
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	563 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	R032370
Street Address	305 S ARROYO DR
City	PAYSON
State	AZ
Zip	85541-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 05 TOWNSHIP: 10N RANGE: 10E LOT 92 , WILDWOOD , PLAT 595NE1/4 SW1/4 SEC 5 T10N R10E = 0.29 AC(OUT OF 304-09-003)
Legal Range	10E
Legal Township	10N
Legal Section	05
Legal Subdivision	WILDWOOD/FAIRWAY KNOLLS/GREENF
Legal Lot Number	92 1002
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1007
Census Tract	301

Owner

305 S Arroyo Dr is owned and occupied by an individual who acquired it in May 2022.

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
Co-owner	Co-owner on File
Mailing Address	305 S ARROYO DR, PAYSON, AZ 85541-4533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Joint Tenancy Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 18, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 28, 2020	Warranty Deed, Transfer · VA Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Feb 28, 2020 · Amount on File
Deed Document Number	0000002369
Last Transfer Date	May 6, 2022
Transfer Doc	0000006308
Record Updated	Jun 8, 2026

May 2022: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	GILA AZ
Recording Date	May 6, 2022
Property Address	305 S ARROYO DR, PAYSON, AZ 85541-4533
Document Number	0000006308
Map Reference	MAP 595
Instrument Date	Apr 26, 2022
Instrument	2022-006308
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5615 W HOPWOOD ST, GARDEN CITY, ID 83714-1838

Mortgage

Document Number	0000006309
Date	May 6, 2022
Instrument	2022-006309

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	305 S ARROYO DR, PAYSON, AZ 85541-4533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015683
Date	Dec 18, 2020
Instrument	2020-015683

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Feb 28, 2020
Property Address	305 S ARROYO DR, PAYSON, AZ 85541-4533
Document Number	0000002369
Map Reference	MAP 595
Instrument Date	Feb 20, 2020
Instrument	2020-002369
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	PIONEER 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	202 W CORAL GABLES DR, 202, PHOENIX, AZ 85023-7470

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	305 S ARROYO DR, PAYSON, AZ 85541-4533

Mortgage

Document Number	0000002370
Date	Feb 28, 2020
Instrument	2020-002370

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 305 S Arroyo Dr was $3,281.

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		$47,836 Land $7,092 Building $40,744	$478,368 Land $70,925 Building $407,443
2025	$3,281.00
2024		$46,876 Land $6,741 Building $40,135	$468,767 Land $67,413 Building $401,354
2023	$3,046.00

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 S Arroyo Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 30, 2025 · 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
Nearby Flood Policies	4 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 305 S Arroyo Dr is high, ranking above 79% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 69% of Arizona
Wildfire Likelihood	0.3% 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.

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 152 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

May also be available: Verizon.

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