3109 S 81st Ln, Phoenix, AZ 85043 Property Records

Maricopa County property record for 3109 S 81st Ln, Phoenix, AZ 85043

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,609 sqft · built 2005
Lot Size	0.218 acres (9,501 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Aug 2020)
Tax Bill	$2,230 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`104-53-718`

Property Details

APN / Parcel Number

Primary APN	`104-53-718`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,609 sqft Living Area
1st Floor Area	1,525 sqft
2nd Floor Area	1,084 sqft

Exterior

Year Built	Built 2005
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	9,501 sqft (0.218 acres)
Parking Spaces	2 Parking Spaces
Pool Area	354 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3109 S 81ST LN
City	PHOENIX
State	AZ
Zip	85043-1569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-43AG
Legal Description	TUSCANO PHASE 1 MCR 612-18
Legal Range	01E
Legal Township	01N
Legal Section	23
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	TUSCANO PHASE 1
Legal Phase	1
Legal Lot Number	391
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1003
Census Tract	112518

Owner

Source: Maricopa County records, as of November 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3109 S 81ST LN, PHOENIX, AZ 85043-1569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 18, 2020	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on Record
Deed Sale	Aug 18, 2020 · Amount on Record
Prior Sale	Jul 30, 2014
Deed Document Number	20200757219
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3109 S 81ST LN, PHOENIX, AZ 85043-1569
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 S 81ST LN, PHOENIX, AZ 85043-1569

Mortgage

Document Number	0000549598
Date	Oct 23, 2023
Instrument	20230549598

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Sep 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 18, 2020
Property Address	3109 S 81ST LN, PHOENIX, AZ 85043-1569
Document Number	0000757219
Map Reference	DOC 2003-1588433
Instrument Date	Jul 29, 2020
Instrument	20200757219
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	MAGNUS TITLE AGENCY

Transaction

Amount	Amount Recorded
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	1100 NW KLICKITAT LN, 1100, CAMAS, WA 98607-7940

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 S 81ST LN, PHOENIX, AZ 85043-1569

Mortgage

Document Number	0000757220
Date	Aug 18, 2020
Instrument	20200757220

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,980 (-4.85%)	$399,800 (-4.85%) Land $79,900 Building $319,900
2025	$2,230.00 (+12.74%)
2024		$42,020	$420,200 Land $84,000 Building $336,200
2023	$1,978.00

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

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 99% of Arizona
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 613 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AirFiber WISP Fixed Wireless	100 / 25
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20

May also be available: AT&T.

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