3911 S 78th Ln, Phoenix, AZ 85043 Property Records

Maricopa County property record for 3911 S 78th Ln, Phoenix, AZ 85043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,820 sqft · built 2020
Lot Size	0.169 acres (7,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Aug 2025)
Tax Bill	$2,586 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`104-52-687`

Property Details

APN / Parcel Number

Primary APN	`104-52-687`
Alternative APN	`104526874`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	1,970 sqft
1st Floor Area	1,820 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Frame
Roof Material	Concrete
Lot Area	7,350 sqft (0.169 acres)
Parking Spaces	4 Parking Spaces
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Street Address	3911 S 78TH LN
City	PHOENIX
State	AZ
Zip	85043-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-43AG
Legal Description	TUSCANO PCD PHASE 2 PARCEL F MCR 922-08
Legal Range	1E
Legal Township	1N
Legal Section	23
Legal Subdivision	TUSCANO PCD PHASE 2 PARCEL F
Legal Phase	2
Legal Lot Number	62
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2020
Census Tract	112518

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	3911 S 78TH LN, PHOENIX, AZ 85043-1219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 14, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 26, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage V I P MORTGAGE INC
Jul 19, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Oct 26, 2020 · Amount on Record
Deed Document Number	2025469303
Prior Transfer Date	Sep 28, 2021
Prior Transfer Doc	0001069355
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219

Mortgage

Document Number	0000505563
Date	Sep 24, 2024
Instrument	20240505563

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 14, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Aug 14, 2025
Property Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219
Document Number	0000469303
Map Reference	MB 922 PG 8
Instrument Date	Aug 13, 2025
Instrument	20250469303
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	TITLE SERVICES/THE VALLEY LLC, TTL SVCS OF THE VALLEY AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	3911 S 78TH LN, PHOENIX, AZ 85043-1219

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219

Mortgage

Document Number	0000469304
Date	Aug 14, 2025
Instrument	20250469304

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARICOPA AZ
Recording Date	Oct 4, 2021
Property Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219
Document Number	0001069355
Map Reference	MB 922 PG 8
Instrument Date	Sep 28, 2021
Instrument	20211069355
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	PINNACLE TITLE AGENCY, PINNACLE T&E AGCY LLC

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	3911 S 78TH LN, PHOENIX, AZ 85043-1219

Mortgage

Document Number	0001069356
Date	Oct 4, 2021
Instrument	20211069356

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 26, 2020
Property Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219
Document Number	0001031562
Map Reference	MB 922 PG 8
Instrument Date	Jul 24, 2020
Instrument	20201031562
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 15, 2022
Title Company	FIDELITY NATL TTL AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	16427 N SCOTTSDALE RD STE 175, 16427, SCOTTSDALE, AZ 85254-1583

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219

Mortgage

Document Number	0001031563
Date	Oct 26, 2020
Instrument	20201031563

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jul 19, 2019
Property Address	3911 S 78TH LN, PHOENIX, AZ 85043-1219
Document Number	0000547245
Instrument Date	Jul 19, 2019
Instrument	547245
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$12,355.22
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16427 N SCOTTSDALE RD #175 SCOTTSDALE AZ 852541583, 175, SCOTTSDALE, AZ 85254-1583
Investor	Possibly a Property Investor

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
Elementary School District	Fowler Elementary District (PK - 08)
Secondary School District	Tolleson Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,860 (+105.69%)	$428,600 (+7.26%) Land $85,700 Building $342,900
2025	$2,586.00 (+12.73%)	$20,837 (-49.42%)	$399,600 (-3.01%) Land $79,900 Building $319,700
2024		$41,200	$412,000 Land $82,400 Building $329,600
2023	$2,294.00

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	0.02% 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 667 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AirFiber WISP Fixed Wireless	100 / 25
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20

May also be available: CenturyLink, GeoLinks.

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