404 S Arroyo Dr, Payson, AZ 85541 Property Records

Gila County property record for 404 S Arroyo Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,520 sqft · built 1993
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (May 2022)
Tax Bill	$3,262 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`304-09-104`

Property Details

APN / Parcel Number

Primary APN	`304-09-104`
Alternative APNs	`R032390` `032390`

Interior

Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,520 sqft
Basement Area	945 sqft
Finished Basement	945 sqft

Exterior

Year Built	Built 1993
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asbestos
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Built-in
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	116 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	R032390
Street Address	404 S ARROYO DR
City	PAYSON
State	AZ
Zip	85541-4534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 05 TOWNSHIP: 10N RANGE: 10E LOT 97 , WILDWOOD , PLAT 595NE1/4 SW1/4 SEC 5 T10N R10E = 0.26 AC(OUT OF 304-09-003)
Legal Range	10E
Legal Township	10N
Legal Section	05
Legal Subdivision	WILDWOOD/FAIRWAY KNOLLS/GREENF
Legal Lot Number	97 1002
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1007
Census Tract	301

Owner

404 S Arroyo Dr is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	404 S ARROYO DR, PAYSON, AZ 85541-4534
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Warranty Deed, Transfer · Conventional Mortgage BARRETT FINANCIAL GROUP LLC
Mar 23, 2018	Warranty Deed, Transfer · Conventional Mortgage WESCOM CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Prior Sale	Mar 23, 2018 · Amount on File
Deed Document Number	2022006684
Deed Book / Page	2022006 / 684
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	May 16, 2022
Property Address	404 S ARROYO DR, PAYSON, AZ 85541-4534
Document Number	0000006684
Map Reference	MAP 595
Instrument Date	May 4, 2022
Instrument	2022-006684
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	PEOPLES TITLES INC, PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	1000 N BEELINE HWY # HWY1015, 1000, PAYSON, AZ 85541-4907

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	404 S ARROYO DR, PAYSON, AZ 85541-4534

Mortgage

Document Number	0000006685
Date	May 16, 2022
Instrument	2022-006685

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Mar 23, 2018
Property Address	404 S ARROYO DR, PAYSON, AZ 85541-4534
Document Number	0000003302
Instrument Date	Mar 20, 2018
Instrument	3302
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	PIONEER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3950 OHIO ST #501 SAN DIEGO CA 921043073, 501, SAN DIEGO, CA 92104-3073

Mortgage

Document Number	3303
Date	Mar 23, 2018
Instrument	3303

Lender

Name	WESCOM CTRL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 404 S Arroyo Dr was $3,262.

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		$48,499 Land $6,901 Building $41,598	$484,992 Land $69,008 Building $415,984
2025	$3,262.00
2024		$47,353 Land $6,557 Building $40,796	$473,521 Land $65,566 Building $407,955
2023	$3,029.00

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

FEMA maps place 404 S Arroyo Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 404 S Arroyo Dr is high, ranking above 79% of the US, with a 0.3% annual chance of 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.

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