3445 E Rubio Ln, Yuma, AZ 85365 Property Records

Yuma County property record for 3445 E Rubio Ln, Yuma, AZ 85365

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 2,271 sqft · built 1987
Lot Size	0.223 acres (9,715 sqft)
Owner	Individual Name on Record
Tax Bill	$1,604 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2025 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`723-54-074`

Property Details

APN / Parcel Number

Primary APN	`723-54-074`
Alternative APNs	`R0011279` `10436074`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,271 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	2,271 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,715 sqft (0.223 acres)
View / Lot	Sound
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	R0011279
Street Address	3445 E RUBIO LN
City	YUMA
State	AZ
Zip	85365-4642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	SUBDIVISION: TIERRA MESA EST 3 LOT: 74 SECTION: 24 TOWNSHIP: 09S RANGE: 23W
Legal Range	23W
Legal Township	09S
Legal Section	24
Legal Subdivision	TIERRA MESA EST 3
Legal Lot Number	74
Jurisdiction	YUMA AZ
Township / Civil Division	YUMA
Census Block Group	2
Census Block	2017
Census Tract	11107

Owner

Source: Yuma County records, as of June 22, 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	3445 E RUBIO LN, YUMA, AZ 85365-4642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 3, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 14, 2025	Intrafamily Transfer, Transfer · VA Mortgage VALOREM LENDING LLC
Oct 16, 2023	Intrafamily Transfer, Transfer CHICAGO TITLE AGENCY/NV INC, CHICAGO TITLE AGENCY INC
Oct 16, 2023	Intrafamily Transfer, Transfer · VA Mortgage TOP FLITE FINANCIAL INC
Mar 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2025
Deed Sale	Oct 14, 2025
Prior Sale	Oct 16, 2023
Deed Document Number	202525225
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA AZ
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011891
Date	Mar 30, 2021
Instrument	2021-11891

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA AZ
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002581
Date	Feb 3, 2025
Instrument	2025-02581

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2055

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YUMA AZ
Recording Date	Oct 14, 2025
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Document Number	0000025225
Map Reference	MB 11 PG 5&6
Instrument Date	Sep 26, 2025
Instrument	2025-25225
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 E RUBIO LN, YUMA, AZ 85365-4642

Mortgage

Document Number	0000025226
Date	Oct 14, 2025
Instrument	2025-25226

Lender

Name	VALOREM LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YUMA AZ
Recording Date	Oct 16, 2023
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Document Number	0000024115
Map Reference	MB 11 PG 5&6
Instrument Date	Oct 11, 2023
Instrument	2023-24115
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	CHICAGO TITLE AGENCY/NV INC, CHICAGO TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 E RUBIO LN, YUMA, AZ 85365-4642

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YUMA AZ
Recording Date	Oct 16, 2023
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Document Number	0000024108
Map Reference	MB 11 PG 5&6
Instrument Date	Oct 11, 2023
Instrument	2023-24108
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	CHICAGO TITLE AGENCY/NV INC, CHICAGO TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 E RUBIO LN, YUMA, AZ 85365-4642

Mortgage

Document Number	0000024109
Date	Oct 16, 2023
Instrument	2023-24109

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	YUMA AZ
Recording Date	Mar 9, 2018
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Document Number	0000006015
Instrument Date	Mar 8, 2018
Instrument	6015
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3445 E RUBIO LN YUMA AZ 853654642, YUMA, AZ 85365-4642

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA AZ
Property Address	3445 E RUBIO LN, YUMA, AZ 85365-4642
Document Number	0000009192
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3445 E RUBIO LN YUMA AZ 853654642, YUMA, AZ 85365-4642

Mortgage

Document Number	0000009192
Date	Apr 11, 2017
Instrument	9192

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 10, 2032

Tax Assessment & Valuation

Source: Yuma County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Yuma County
Elementary School District	Yuma Elementary District (PK - 08)
Secondary School District	Yuma Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$18,440 (+5%) Land $3,448 Building $14,992	$307,499 (+1.81%) Land $57,500 Building $249,999
2025	$1,604.00 (+4.02%)	$17,562 (+10.25%) Land $3,343 Building $14,219	$302,044 (+27.38%) Land $57,500 Building $244,544
2023	$1,542.00	$15,929 Land $3,560 Building $12,369	$237,120 Land $53,000 Building $184,120

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 5, 2023 · 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 Policies	1 in force

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	Low lower than 99.1% of the US · lower than 99.8% of Arizona
Wildfire Likelihood	Under 0.01% 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	CS TIERRA MESA ESTATES WATER COMPANY private · serves 632 people · EPA ID AZ0414080
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Uranium not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Sun Valley Broadband Fixed Wireless	500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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