400 E Ruggles St, Florence, AZ 85132 Property Records

Pinal County property record for 400 E Ruggles St, Florence, AZ 85132

Property Summary

Property Type	Single Family Home
Details	2,753 sqft · built 1960
Lot Size	0.889 acres (38,750 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Dec 2018)
Tax Bill	$1,568 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`200-48-035D`

Property Details

APN / Parcel Number

Primary APN	`200-48-035D`

Interior

Stories	1 Story
Building Area	2,753 sqft Living Area
1st Floor Area	2,532 sqft
Flooring	Concrete/Cement
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Other
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	38,750 sqft (0.889 acres)
Garage Type	Carport
Garage Area	900 sqft
Carport	Carport
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	400 E RUGGLES ST
City	FLORENCE
State	AZ
Zip	85132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLORENCE TOWNSITE ALL OF BLK 45 AND 60 & BEG AT SW COR OF BLK 45 TH S-60 E-125 N-60 TH W-125 TO POB SEC 36-4S-9E 38750 SQ FT
Legal Range	09E
Legal Township	04S
Legal Section	36
Legal Subdivision	FLORENCE TOWNSITE
Legal Block	45
Jurisdiction	PINAL AZ
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1044
Census Tract	904

Owner

Source: Pinal County records, as of March 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 3, 2018	Warranty Deed, Transfer · FHA Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Prior Sale	Mar 18, 2005 · Amount on Record
Deed Document Number	2018-089742
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINAL AZ
Property Address	400 E RUGGLES ST, FLORENCE, AZ 85132
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	360 E RUGGLES ST, FLORENCE, AZ 85132

Mortgage

Document Number	0000020248
Date	Feb 19, 2021
Instrument	2021-020248

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINAL AZ
Recording Date	Dec 3, 2018
Property Address	400 E RUGGLES ST, FLORENCE, AZ 85132
Document Number	0000089742
Map Reference	MB 1 PG 1
Instrument Date	Aug 31, 2018
Instrument	2018-089742
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	MILLENNIUM TITLE AGENCY LLC

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	6938 W MILLERTON CT, 6938, FLORENCE, AZ 85132-6979

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	360 E RUGGLES ST, FLORENCE, AZ 85132

Mortgage

Document Number	0000089743
Date	Dec 3, 2018
Instrument	2018-089743

Lender

Name	LEND SMART MORTGAGE LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Pinal County assessment roll, as of January 1, 2026

Property Jurisdictions

Type	Name
State	Arizona
County	Pinal County
Municipality	Florence Town
Unified School District	Florence Unified School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2027		$40,497 (+0.97%) Land $9,494 Building $31,003	$404,972 (+0.97%) Land $94,938 Building $310,034
2026		$40,108 (+1.74%) Land $9,494 Building $30,614	$401,073 (+1.74%) Land $94,938 Building $306,135
2025	$1,568.00 (-3.33%)	$39,423 (-7.05%) Land $10,850 Building $28,573	$394,233 (-7.05%) Land $108,500 Building $285,733
2024		$42,415 Land $9,358 Building $33,057	$424,153 Land $93,581 Building $330,572
2023	$1,622.00

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 9, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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 66% of the US · lower than 73% of Arizona
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FLORENCE WATER COMPANY serves 14,593 people · EPA ID AZ0411017
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jan 2025
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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Utah Broadband Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
TREPIC Networks Fixed Wireless	200 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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