3231 W Carter Rd, Phoenix, AZ 85041 Property Records

Maricopa County property record for 3231 W Carter Rd, Phoenix, AZ 85041

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 2019
Lot Size	0.119 acres (5,175 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jun 2026)
Tax Bill	$2,739 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`105-98-745`

Property Details

APN / Parcel Number

Primary APN	`105-98-745`
Alternative APN	`105987454`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	1,810 sqft
1st Floor Area	1,660 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	5,175 sqft (0.119 acres)
Parking Spaces	2 Parking Spaces
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3231 W CARTER RD
City	PHOENIX
State	AZ
Zip	85041-6227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R110
Legal Description	SANTOLINA AT SOUTH MOUNTAIN PHASE 1 MCR 1359-43
Legal Range	2E
Legal Township	1N
Legal Section	35
Legal Subdivision	SANTOLINA AT SOUTH MOUNTAIN PHASE 1
Legal Phase	1
Legal Lot Number	91
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1022
Census Tract	116612

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	Individual Name on Record
Mailing Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Line of Credit AMERICA FIRST FCU
Jan 26, 2024	Deed of Trust, Mortgage · FHA Mortgage ML MORTGAGE CORP
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 18, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage CITYWIDE HMS LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jan 5, 2024 · Amount on Record
Deed Document Number	2026372672
Prior Transfer Date	Jan 11, 2023
Prior Transfer Doc	0000017123
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227

Mortgage

Document Number	0000441288
Date	May 23, 2022
Instrument	20220441288

Lender

Name	AMERICA FIRST FCU
Type	Credit Union
Address	OGDEN, UT 84405

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	SURETY TITLE AGENCY INC, SECURITY TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227

Mortgage

Document Number	0000040767
Date	Jan 26, 2024
Instrument	20240040767

Lender

Name	ML MORTGAGE CORP
Type	Mortgage Company
Address	RANCHO CUCAMONGA, CA 91730

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 22, 2026
Property Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Document Number	0000372672
Instrument Date	Jun 5, 2026
Instrument	2026372672
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Investor	Possibly a Property Investor

Mortgage

Document Number	0000372673,
Date	Jun 22, 2026
Instrument	2026372673

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227

Mortgage

Document Number	0001102922
Date	Nov 12, 2020
Instrument	20201102922

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 18, 2019
Property Address	3231 W CARTER RD, PHOENIX, AZ 85041-6227
Document Number	0000542990
Instrument Date	Jul 8, 2019
Instrument	542990
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 24, 2019
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 W CARTER RD PHOENIX AZ 85041, PHOENIX, AZ 85041

Mortgage

Document Number	542991
Date	Jul 18, 2019
Instrument	542991

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

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
Secondary School District	Phoenix Union High School District (09 - 12)
Elementary School District	Roosevelt Elementary District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,550 (+65.51%)	$335,500 (-2.7%) Land $67,100 Building $268,400
2025	$2,739.00 (+5.83%)	$20,271 (-46.37%)	$344,800 (-8.78%) Land $68,900 Building $275,900
2024		$37,800	$378,000 Land $75,600 Building $302,400
2023	$2,588.00

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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 400
AirFiber WISP Fixed Wireless	100 / 25
AT&T Fixed Wireless	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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