402 E Royal Palm Rd, Phoenix, AZ 85020 Property Records

Maricopa County property record for 402 E Royal Palm Rd, Phoenix, AZ 85020

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,012 sqft · built 1957
Lot Size	0.224 acres (9,756 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Oct 2020)
Tax Bill	$3,300 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`160-46-031`

Property Details

APN / Parcel Number

Primary APN	`160-46-031`
Alternative APN	`160460311`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	2,204 sqft
1st Floor Area	2,012 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	9,756 sqft (0.224 acres)
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Covered Slab
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 E ROYAL PALM RD
City	PHOENIX
State	AZ
Zip	85020-3644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	MELROSE GROVES UNIT 2 MCR 72/45
Legal Range	3E
Legal Township	3N
Legal Section	32
Legal Subdivision	MELROSE GROVES UNIT 2
Legal Lot Number	49
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	1
Census Block	1009
Census Tract	105300

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	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · FHA Mortgage MUTUAL/OMAHA MORTGAGE LLC
Jul 11, 2023	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Aug 28, 1995 · Amount on Record
Deed Document Number	2020994491
Prior Transfer Date	Oct 10, 2020
Prior Transfer Doc	0000994491
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Recording Date	Jun 16, 2026
Property Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644
Document Number	0000360739
Instrument Date	May 22, 2026
Instrument	2026360739
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644

Mortgage

Document Number	0000360739,
Date	Jun 16, 2026
Instrument	2026360739

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644

Mortgage

Document Number	0000358825
Date	Jul 11, 2023
Instrument	20230358825

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	FIRST ARIZONA TITLE AGENCY INC, FIRST ARIZONA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644

Mortgage

Document Number	0001118258
Date	Oct 18, 2021
Instrument	20211118258

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 16, 2020
Property Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644
Document Number	0000994491
Map Reference	MB 72 PG 45
Instrument Date	Oct 10, 2020
Instrument	20200994491
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SECURITY TITLE AGENCY 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	9012 S 41ST GLN, 9012, LAVEEN, AZ 85339-7829

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	402 E ROYAL PALM RD, PHOENIX, AZ 85020-3644

Mortgage

Document Number	0000994492
Date	Oct 16, 2020
Instrument	20200994492

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

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

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
Secondary School District	Glendale Union High School District (09 - 12)
Elementary School District	Washington Elementary District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,060 (+99.49%)	$590,600 (+6.36%) Land $118,100 Building $472,500
2025	$3,300.00 (+6.11%)	$29,606 (-49.42%)	$555,300 (-5.13%) Land $111,000 Building $444,300
2024		$58,530	$585,300 Land $117,000 Building $468,300
2023	$3,110.00

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	4 in force
Nearby Flood Claims	1 (1992)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1992 · other causes

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	Not rated no burnable land within 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 621 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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