3161 N Oak Ln, Payson, AZ 85541 Property Records

Gila County property record for 3161 N Oak Ln, Payson, AZ 85541

Property Summary

Property Type	Rural Home
Details	1 ba · 1,392 sqft · built 1977
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Oct 2018)
Tax Bill	$2,838 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`302-08-022`

Property Details

APN / Parcel Number

Primary APN	`302-08-022`
Alternative APNs	`R018234` `018234`

Interior

Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
1st Floor Area	928 sqft

Exterior

Year Built	Built 1977
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	132 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	R018234
Street Address	3161 N OAK LN
City	PAYSON
State	AZ
Zip	85541-7471
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SECTION: 34 TOWNSHIP: 12N RANGE: 10E LOT 98 , WHISPERING PINES PLAT 4 , PLAT 227E1/2SE1/4SW1/4 & W1/2SW1/4SE1/4SEC 34 T12N
Legal Range	10E
Legal Township	12N
Legal Section	34
Legal Subdivision	WHISPERING PINES
Legal Lot Number	98
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	2
Census Block	2042
Census Tract	200

Owner

Source: Gila County records, as of December 4, 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	PO BOX 63005, PHOENIX, AZ 85082-3005
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2018	Warranty Deed, Transfer REISS/EXCELSIOR LLC
Aug 14, 2017	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Prior Sale	Aug 14, 2017 · Amount on Record
Deed Document Number	2018-011347
Record Updated	Jun 8, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Oct 31, 2018
Property Address	3161 N OAK LN, PAYSON, AZ 85541-7471
Document Number	0000011347
Instrument Date	Oct 29, 2018
Instrument	11347
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 63005 PHOENIX AZ 850823005, PHOENIX, AZ 85082-3005

Mortgage

Document Number	11348
Date	Oct 31, 2018
Instrument	11348

Lender

Name	REISS/EXCELSIOR LLC
Address	4555 E MAYO BLVD # 42201, PHOENIX, AZ 85050-3791

Agreement

Amount	Amount Recorded

Interest

Rate	18%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Aug 14, 2017
Property Address	3161 N OAK LN, PAYSON, AZ 85541-7471
Document Number	0000007940
Instrument Date	Jul 1, 2017
Instrument	7940
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 N 30TH ST PHOENIX AZ 850081119, PHOENIX, AZ 85008-1119

Mortgage

Document Number	7941
Date	Aug 14, 2017
Instrument	7941

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$25,553 (-16.17%) Land $2,599 Building $22,954	$255,530 (-16.17%) Land $25,992 Building $229,538
2025	$2,838.00 (+9.53%)
2024		$30,481 Land $3,531 Building $26,950	$304,805 Land $35,310 Building $269,495
2023	$2,591.00

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 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	5 (1998–2021)
Most Recent Claim	Aug 2021 · rainfall accumulation

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	Extreme above 97.6% of the US · above 96% of Arizona
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	PAYSON WATER - WHISPERING PINES private · serves 403 people · EPA ID AZ0404039
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	60 / 5

Cell Coverage

No cell data coverage reported

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