400 E Observatory St, Safford, AZ 85546 Property Records

Graham County property record for 400 E Observatory St, Safford, AZ 85546

Property Summary

Property Type	Single Family Home
Details	3,227 sqft · built 2012
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Dec 2025)
Tax Bill	$3,222 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`103-07-082`

Property Details

APN / Parcel Number

Primary APN	`103-07-082`

Interior

Stories	1 Story
Building Area	3,227 sqft Living Area
Gross Area	4,131 sqft
1st Floor Area	3,227 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Concrete
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	904 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	400 E OBSERVATORY ST
City	SAFFORD
State	AZ
Zip	85546-2275
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 MONTANA VISTA ESTATES PHASE 1 103-07-017A NOW 017B-017C & 070-097 LOTS 1-25 TRACTS A,B & C 2008 SPLIT
Legal Range	26E
Legal Township	07S
Legal Section	20
Legal Subdivision	MONTANA VISTA ESTATES PHASE 1
Legal Tract	A-C
Legal Lot Number	1-25
Jurisdiction	GRAHAM AZ
Township / Civil Division	SAFFORD
Census Block Group	4
Census Block	4021
Census Tract	961700

Owner

Source: Graham County records, as of October 21, 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	100 W GRAHAM CANAL RD, SAFFORD, AZ 85546-8527
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit ONEAZ CU
Dec 3, 2025	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
May 28, 2021	Corporation Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HM LNDG INC
Sep 27, 2017	Warranty Deed, Transfer · Conventional Mortgage PREMIA RELOCATION MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Prior Sale	Sep 27, 2017 · Amount on Record
Deed Document Number	20256751
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAHAM AZ
Property Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275

Mortgage

Document Number	0000002163
Date	Apr 11, 2022
Instrument	2022-02163

Lender

Name	ONEAZ CU
Type	Credit Union
Address	PHOENIX, AZ 85027

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAHAM AZ
Recording Date	Dec 3, 2025
Property Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275
Document Number	0000006751
Map Reference	FILE 206&207
Instrument Date	Nov 24, 2025
Instrument	2025-06751
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	STEWART TITLE, STEWART TTL & TR OF PHOENIX

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275

Mortgage

Document Number	0000006752
Date	Dec 3, 2025
Instrument	2025-06752

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

May 2021: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	GRAHAM AZ
Recording Date	May 28, 2021
Property Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275
Document Number	0000003616
Map Reference	FILE 206&207
Instrument Date	May 28, 2021
Instrument	2021-03616
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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	150 HARVESTER DR STE 201, 150, BURR RIDGE, IL 60527-6692

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275

Mortgage

Document Number	0000003617
Date	May 28, 2021
Instrument	2021-03617

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAHAM AZ
Property Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275
Document Number	0000004567
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 E OBSERVATORY ST SAFFORD AZ 855462275, SAFFORD, AZ 85546-2275

Mortgage

Document Number	0000004567
Date	Sep 4, 2020
Instrument	4567

Lender

Name	MILLENNIAL HM LNDG INC
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAHAM AZ
Recording Date	Sep 27, 2017
Property Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275
Document Number	0000004638
Map Reference	MAP206&207
Instrument Date	Sep 21, 2017
Instrument	2017-04638
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	STEWART TITLE ARIZONA AGENCY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 E OBSERVATORY ST, SAFFORD, AZ 85546-2275

Mortgage

Document Number	0000004639
Date	Sep 27, 2017
Instrument	2017-04639

Lender

Name	PREMIA RELOCATION MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Graham County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Graham County
Municipality	Safford City
Unified School District	Safford Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027			$479,394 (+0.79%) Land $38,485 Building $440,909
2026	$3,222.00 (+5.4%)	$47,566 (+1.57%) Land $3,849 Building $43,717	$475,655 (+1.57%) Land $38,485 Building $437,170
2025	$3,057.00 (+20.64%)	$46,830 Land $3,601 Building $43,229	$468,297 Land $36,008 Building $432,289
2024	$2,534.00 (-3.76%)
2023	$2,633.00

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 April 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	8 (1991–2016)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Oct 2016 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 87% 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	CITY OF SAFFORD serves 20,600 people · EPA ID AZ0405005
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2017
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Nov 2024
Monitoring and Reporting	7 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Valley Telecom Group Fiber	1,000 / 100
Sparklight Cable	1,000 / 50

May also be available: Bluespan Wireless, T-Mobile, Verizon.

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