3548 E Moreno Ln, Yuma, AZ 85365 Property Records

Yuma County property record for 3548 E Moreno Ln, Yuma, AZ 85365

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,224 sqft · built 1996
Lot Size	0.222 acres (9,684 sqft)
Owner	2 Individual Names on File
Last Sale	$379,900 (Jul 2025)
Tax Bill	$2,355 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2024 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`723-55-221`

Property Details

APN / Parcel Number

Primary APN	`723-55-221`
Alternative APNs	`R0011426` `10436221`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,224 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	2,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,684 sqft (0.222 acres)
View / Lot	Sound
Garage Type	Attached
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Covered Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	R0011426
Street Address	3548 E MORENO LN
City	YUMA
State	AZ
Zip	85365-4655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	SUBDIVISION: TIERRA MESA EST 9 LOT: 221 SECTION: 24 TOWNSHIP: 09S RANGE: 23W
Legal Range	23W
Legal Township	09S
Legal Section	24
Legal Subdivision	TIERRA MESA EST 9
Legal Lot Number	221
Jurisdiction	YUMA AZ
Township / Civil Division	YUMA
Census Block Group	2
Census Block	2018
Census Tract	11107

Owner

3548 E Moreno Ln is owned and occupied by two individuals who bought it in July 2025.

Source: Yuma County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3548 E MORENO LN, YUMA, AZ 85365-4655
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 21, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 14, 2025	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2025 · Amount on File
Deed Sale	Jul 14, 2025 · Amount on File
Prior Sale	Aug 13, 2015 · Amount on File
Deed Document Number	202517211
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA AZ
Property Address	3548 E MORENO LN, YUMA, AZ 85365-4655
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3548 E MORENO LN, YUMA, AZ 85365-4655

Mortgage

Document Number	0000013973
Date	Apr 19, 2022
Instrument	2022-13973

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA AZ
Property Address	3548 E MORENO LN, YUMA, AZ 85365-4655
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3548 E MORENO LN, YUMA, AZ 85365-4655

Mortgage

Document Number	0000025096
Date	Oct 21, 2024
Instrument	2024-25096

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	SHAWNEE, KS 66203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YUMA AZ
Recording Date	Jul 14, 2025
Property Address	3548 E MORENO LN, YUMA, AZ 85365-4655
Document Number	0000017211
Map Reference	MB 14 PG 18&19
Instrument Date	Jul 10, 2025
Instrument	2025-17211
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	BLUEINK TITLE AGENCY LLC

Transaction

Amount	Amount 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	3548 E MORENO LN, YUMA, AZ 85365-4655

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3548 E MORENO LN, YUMA, AZ 85365-4655

Mortgage

Document Number	0000017212
Date	Jul 14, 2025
Instrument	2025-17212

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3548 E Moreno Ln was $2,355.

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		$22,763 Land $3,690 Building $19,073	$354,751 Land $57,500 Building $297,251
2025	$2,355.00
2023	$2,226.00	$19,663 Land $3,816 Building $15,847	$273,089 Land $53,000 Building $220,089

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

FEMA maps place 3548 E Moreno Ln in Zone X, an area of moderate flood risk.

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

Wildfire risk around 3548 E Moreno Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.4% of Arizona
Wildfire Likelihood	0.01% 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	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 131 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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