3905 E Monte Cristo Ave, Phoenix, AZ 85032 Property Records

Maricopa County property record for 3905 E Monte Cristo Ave, Phoenix, AZ 85032

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,128 sqft · built 1987
Lot Size	0.13 acres (5,643 sqft)
Owner	2 Individual Names on Record
Last Sale	$493,000 (Dec 2025)
Tax Bill	$1,997 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`214-34-393`

Property Details

APN / Parcel Number

Primary APN	`214-34-393`
Alternative APN	`214343930`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	2,308 sqft
1st Floor Area	924 sqft
2nd Floor Area	1,204 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Combination
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,643 sqft (0.13 acres)
Parking Spaces	2 Parking Spaces
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3905 E MONTE CRISTO AVE
City	PHOENIX
State	AZ
Zip	85032-4065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	TATUM PARK WEST LOT 1-93 TR A-D MCR 296-44
Legal Range	3E
Legal Township	3N
Legal Section	1
Legal Subdivision	TATUM PARK WEST LOT 1-93 TR A-D
Legal Lot Number	13
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1016
Census Tract	103303

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	2 Individual Names on Record
Mailing Address	3905 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 12, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Aug 12, 2004 · Amount on Record
Deed Document Number	2025699482
Prior Transfer Date	Jul 29, 2021
Prior Transfer Doc	0000875482
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Dec 4, 2025
Property Address	3905 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4065
Document Number	0000699482
Map Reference	MB 286 PG 44
Instrument Date	Dec 2, 2025
Instrument	20250699482
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATL TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15202 N 40TH ST # ST142, ST142, PHOENIX, AZ 85032-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3905 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4065

Mortgage

Document Number	0000699483
Date	Dec 4, 2025
Instrument	20250699483

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 12, 2021
Property Address	3905 E MONTE CRISTO AVE, PHOENIX, AZ 85032-4065
Document Number	0000875482
Map Reference	MB 296 PG 44
Instrument Date	Jul 29, 2021
Instrument	20210875482
Transaction Type	Transfer
Record Updated	Mar 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Trustee Sale Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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
Unified School District	Paradise Valley Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,220 (+100.38%)	$462,200 (+6.3%) Land $92,400 Building $369,800
2025	$1,997.00 (+5.05%)	$23,066 (-48.54%)	$434,800 (-2.99%) Land $86,900 Building $347,900
2024		$44,820	$448,200 Land $89,600 Building $358,600
2023	$1,901.00

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 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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 98% of the US · lower than 99.6% 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	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 208 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 / 150
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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