3103 E Cortez St, Phoenix, AZ 85028 Property Records

Maricopa County property record for 3103 E Cortez St, Phoenix, AZ 85028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,718 sqft · built 1970
Lot Size	0.205 acres (8,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Oct 2014)
Tax Bill	$2,096 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`166-29-079`

Property Details

APN / Parcel Number

Primary APN	`166-29-079`
Alternative APN	`166290797`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,718 sqft Living Area
Gross Area	2,048 sqft
1st Floor Area	1,718 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	8,930 sqft (0.205 acres)
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Covered Slab
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3103 E CORTEZ ST
City	PHOENIX
State	AZ
Zip	85028-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	MELROSE PARADISE UNIT 5 MCR 124-39
Legal Range	3E
Legal Township	3N
Legal Section	23
Legal Subdivision	MELROSE PARADISE UNIT 5
Legal Lot Number	329
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1006
Census Tract	104802

Owner

Source: Maricopa County records, as of June 29, 2026

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	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit DESERT FINANCIAL CU
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage DEFINE MORTGAGE SOLUTIONS LLC
May 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage DESERT SCHOOLS FCU
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit DESERT SCHOOLS FCU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage DEFINE MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2014 · Amount on Record
Deed Sale	Oct 30, 2014 · Amount on Record
Deed Document Number	2014719879
Prior Transfer Date	Sep 8, 1998
Prior Transfer Doc	0000805947
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923

Mortgage

Document Number	0000052325
Date	Jan 29, 2026
Instrument	20260052325

Lender

Name	DESERT FINANCIAL CU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923

Mortgage

Document Number	0000018892
Date	Jan 6, 2022
Instrument	20220018892

Lender

Name	DEFINE MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	PHOENIX, AZ 85034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000346718
Date	May 7, 2018
Instrument	20180346718

Lender

Name	DESERT SCHOOLS FCU
Type	Credit Union
Address	PHOENIX, AZ 85034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000822723
Date	Nov 5, 2018
Instrument	20180822723

Lender

Name	DESERT SCHOOLS FCU
Type	Credit Union
Address	PHOENIX, AZ 85062

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GRAND CANYON TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 E CORTEZ ST, PHOENIX, AZ 85028-1923

Mortgage

Document Number	0001107261
Date	Nov 12, 2020
Instrument	20201107261

Lender

Name	DEFINE MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	PHOENIX, AZ 85034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Unified School District	Paradise Valley Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,520 (+104.52%)	$495,200 (+6.2%) Land $99,000 Building $396,200
2025	$2,096.00 (+5.01%)	$24,213 (-50.99%)	$466,300 (-5.61%) Land $93,200 Building $373,100
2024		$49,400	$494,000 Land $98,800 Building $395,200
2023	$1,996.00

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 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2014 · Severe Storms And Flooding

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

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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