403 S Arroyo Dr, Payson, AZ 85541 Property Records

Gila County property record for 403 S Arroyo Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	2,250 sqft · built 1994
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$343,000 (Jul 2020)
Tax Bill	$3,549 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`304-09-101`

Property Details

APN / Parcel Number

Primary APN	`304-09-101`
Alternative APNs	`R032378` `032378`

Interior

Stories	1 Story
Building Area	2,250 sqft Living Area
1st Floor Area	2,250 sqft

Exterior

Year Built	Built 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asbestos
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Built-in
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	161 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	R032378
Street Address	403 S ARROYO DR
City	PAYSON
State	AZ
Zip	85541-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 05 TOWNSHIP: 10N RANGE: 10E LOT 94 , WILDWOOD , PLAT 595NE1/4 SW1/4 SEC 5 T10N R10E = 0.28 AC(OUT OF 304-09-003)
Legal Range	10E
Legal Township	10N
Legal Section	05
Legal Subdivision	WILDWOOD/FAIRWAY KNOLLS/GREENF
Legal Lot Number	94 1002
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1007
Census Tract	301

Owner

Source: Gila County records, as of December 4, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	403 S ARROYO DR, PAYSON, AZ 85541-4535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 30, 2020	Warranty Deed, Transfer · FHA Mortgage ORION LNDG
Jun 27, 2019	Deed of Trust, Mortgage · VA Mortgage ORION LNDG
Nov 9, 2017	Grant Deed, Transfer PIONEER TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Nov 9, 2017 · Amount on Record
Deed Document Number	2020-008739
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	403 S ARROYO DR, PAYSON, AZ 85541-4535
Transaction Type	Mortgage
Record Updated	Feb 7, 2022
Title Company	SOLIDIFI TITLE AGENCY/UT LLC, SOLIDIFI TITLE AGENCY OF UT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 S ARROYO DR, PAYSON, AZ 85541-4535

Mortgage

Document Number	0000000406
Date	Jan 11, 2022
Instrument	2022-000406

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jul 30, 2020
Property Address	403 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000008739
Instrument Date	Jul 9, 2020
Instrument	8739
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 W CHITWOOD TRL PAYSON AZ 855412646, PAYSON, AZ 85541-2646

Mortgage

Document Number	8740
Date	Jul 30, 2020
Instrument	8740

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	403 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000007235
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 S ARROYO DR PAYSON AZ 855414535, PAYSON, AZ 85541-4535

Mortgage

Document Number	0000007235
Date	Jul 10, 2019
Instrument	7235

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2049

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GILA AZ
Recording Date	Nov 9, 2017
Property Address	403 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000011076
Instrument Date	Oct 5, 2017
Instrument	11076
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	PIONEER TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 S ARROYO DR PAYSON AZ 855414535, PAYSON, AZ 85541-4535

Tax Assessment & Valuation

Source: Gila County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Gila County
Municipality	Payson Town
Unified School District	Payson Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,283 (+2.31%) Land $7,030 Building $44,253	$512,835 (+2.31%) Land $70,305 Building $442,530
2025	$3,549.00 (+7.71%)
2024		$50,127 Land $6,681 Building $43,446	$501,273 Land $66,813 Building $434,460
2023	$3,295.00

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 30, 2025 · 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
Nearby Flood Policies	4 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	High above 79% of the US · above 69% of Arizona
Wildfire Likelihood	0.3% 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	TOWN OF PAYSON serves 17,682 people · EPA ID AZ0404032
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Verizon.

Nearby Properties on S Arroyo Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures