Gila County property record for 312 W Saddle Ln, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,706 sqft · built 1980 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $266,000 (Dec 2025) |
| Tax Bill | $1,703 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-36-031 |
| Primary APN | 302-36-031 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,706 sqft Living Area |
| 1st Floor Area | 1,706 sqft |
| Year Built | Built 1980 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asbestos |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 460 sqft |
| Canopy | 155 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Account Number | R021586 |
|---|---|
| Street Address | 312 W SADDLE LN |
| City | PAYSON |
| State | AZ |
| Zip | 85541-3163 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 31 SECTION: 28 TOWNSHIP: 11N RANGE: 10E LOT 31 PAYSON RANCHOS MAP NO 167 |
| Legal Range | 10E |
| Legal Township | 11N |
| Legal Section | 28 |
| Legal Subdivision | PAYSON RANCHOS |
| Legal Lot Number | 31 1002 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 302 |
Source: Gila County records, as of January 6, 2026
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 312 W SADDLE LN, PAYSON, AZ 85541-3163 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2025 | Warranty Deed, Transfer · Conventional Mortgage NEXA MORTGAGE LLC |
| May 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 24, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Prior Sale | May 24, 2018 |
| Deed Document Number | 2025-011151 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Dec 19, 2025 |
| Property Address | 312 W SADDLE LN, PAYSON, AZ 85541-3163 |
| Document Number | 0000011151 |
| Map Reference | MAP 167 |
| Instrument Date | Dec 1, 2025 |
| Instrument | 2025-011151 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Title Company | TITLE SERVICES/THE VALLEY LLC, TITLE SERVICES OF THE VALLEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 356 RUE RENEE, SAINT LOUIS, MO 63122-1444 |
| Name | Verified Name |
|---|---|
| Address | 312 W SADDLE LN, PAYSON, AZ 85541-3163 |
| Document Number | 0000011152 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 2025-011152 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 385 Months |
| Due | Jan 1, 2058 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 312 W SADDLE LN, PAYSON, AZ 85541-3163 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000004987 |
|---|---|
| Date | May 5, 2020 |
| Instrument | 2020-004987 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | May 24, 2018 |
| Property Address | 312 W SADDLE LN, PAYSON, AZ 85541-3163 |
| Document Number | 0000005606 |
| Instrument Date | May 22, 2018 |
| Instrument | 5606 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 312 W SADDLE LN PAYSON AZ 855413163, PAYSON, AZ 85541-3163 |
Source: Gila County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Gila County |
| Municipality | Payson Town |
| Unified School District | Payson Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $33,007 (+8.61%) Land $7,064 Building $25,943 | $330,071 (+8.61%) Land $70,640 Building $259,431 | |
| 2025 | $1,703.00 (+7.65%) | ||
| 2024 | $30,390 Land $4,520 Building $25,870 | $303,899 Land $45,204 Building $258,695 | |
| 2023 | $1,582.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 55% of Arizona |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 183 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 |
| Verizon Fixed Wireless | 300 / 20 |
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