Maricopa County property record for 38906 N Central Ave, Phoenix, AZ 85086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,820 sqft · built 1999 |
| Lot Size | 1.23 acres (53,787 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,742 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 211-23-020-C |
| Primary APN | 211-23-020-C |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,820 sqft Living Area |
| Gross Area | 3,316 sqft |
| 1st Floor Area | 2,820 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Roof Material | Concrete |
| Lot Area | 53,787 sqft (1.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 200 sqft |
| Cooling System | Refrigeration |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 38906 N CENTRAL AVE |
|---|---|
| City | PHOENIX |
| State | AZ |
| Zip | 85086-7466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-43 |
| Legal Description | S2 NE4 NE4 SE4 NW4 SEC 29 |
| Jurisdiction | MARICOPA AZ |
| Township / Civil Division | DEER VALLEY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 610500 |
38906 N Central Ave is owned and occupied by an individual who acquired it in December 2014.
Source: Maricopa County records, as of October 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38906 N CENTRAL AVE, PHOENIX, AZ 85086-7466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 6, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 22, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2014 |
| Deed Sale | Dec 10, 2014 |
| Prior Sale | Oct 10, 2012 · Amount on File |
| Deed Document Number | 2014812639 |
| Prior Transfer Date | Mar 13, 2013 |
| Prior Transfer Doc | 0000236680 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 38906 N CENTRAL AVE, PHOENIX, AZ 85086-7466 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 38906 N CENTRAL AVE, PHOENIX, AZ 85086-7466 |
| Document Number | 0000306912 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 20220306912 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARICOPA AZ |
| Property Address | 38906 N CENTRAL AVE, PHOENIX, AZ 85086-7466 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 38906 N CENTRAL AVE, PHOENIX, AZ 85086-7466 |
| Document Number | 0000076229 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 20210076229 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 38906 N Central Ave was $4,742.
Source: Maricopa County assessment roll, as of October 22, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Maricopa County |
| Unified School District | Deer Valley Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $69,730 (+76.07%) | $697,300 (+11.28%) Land $139,400 Building $557,900 | |
| 2025 | $4,742.00 | $39,603 (-40.04%) | $626,600 (-5.13%) Land $125,300 Building $501,300 |
| 2024 | $66,050 | $660,500 Land $132,100 Building $528,400 | |
| 2023 | $4,435.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38906 N Central Ave in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 2014.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 2 (2014–2021) |
| Most Recent Claim | Jul 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 risk around 38906 N Central Ave is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 40% of Arizona |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | DESERT HILLS WATER private · serves 4,220 people · EPA ID AZ0407026 |
|---|---|
| Water Source | Purchased surface water from CAVE CREEK WATER |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber | 2,000 / 35 |
| AirFiber WISP Fixed Wireless | 1,000 / 500 |
| BAM Broadband Fixed Wireless · not low latency | 1,000 / 100 |
| Mojo Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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