405 N Pine Island Dr, Payson, AZ 85541 Property Records

Gila County property record for 405 N Pine Island Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	3,986 sqft · built 1997
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Trust Names on File
Last Sale	$875,000 (May 2024)
Tax Bill	$4,762 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-88-003`

Property Details

APN / Parcel Number

Primary APN	`302-88-003`
Alternative APNs	`R027441` `027441`

Interior

Stories	2 Stories
Building Area	3,986 sqft Living Area
Gross Area	4,712 sqft
1st Floor Area	1,329 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Asphalt/Fiberglass/Wood Frame
Construction Type	Wood
Roof Material	Asbestos
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	423 sqft
Patio Area	258 sqft
Canopy	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	R027441
Street Address	405 N PINE ISLAND DR
City	PAYSON
State	AZ
Zip	85541-4195
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 36 TOWNSHIP: 11N RANGE: 10E LOT 3, PINE ISLAND AT CHAPARRAL PINES, PLAT 669N1/2 SEC 36 T11N R10E = 0.16 AC(OUT OF 302-23-033C & -043A, 302-43-008B, -008D, -008F, -008J, -008K, 302-83-001 & -002, 302-85-008 & -009)
Legal Range	10E
Legal Township	11N
Legal Section	36
Legal Subdivision	CHAPARRAL PINES
Legal Lot Number	3
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	3
Census Block	3041
Census Tract	400

Owner

405 N Pine Island Dr is held in a trust since May 2024.

Source: Gila County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4840 N 66TH ST, SCOTTSDALE, AZ 85251-1014
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2024 · Amount on File
Deed Sale	May 29, 2024 · Amount on File
Prior Sale	Aug 25, 2015 · Amount on File
Deed Document Number	20244606
Prior Transfer Date	Oct 7, 2019
Prior Transfer Doc	0000011095
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Sep 23, 2021
Property Address	405 N PINE ISLAND DR, PAYSON, AZ 85541-4195
Document Number	0000013271
Map Reference	MAP 669&669A-669C
Instrument Date	Sep 21, 2021
Instrument	2021-013271
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	GRAND CANYON TITLE AGENCY, GRAND CANYON TTL AGCY A DIV

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3042 W VIA DE PEDRO MIGUEL, PHOENIX, AZ 85086-2134

Mortgage

Document Number	0000013272
Date	Sep 23, 2021
Instrument	2021-013272

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 N Pine Island Dr was $4,762.

Source: Gila County assessment roll, as of February 9, 2026

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		$75,742 Land $2,744 Building $72,998	$757,418 Land $27,440 Building $729,978
2025	$4,762.00
2024		$71,434 Land $2,460 Building $68,974	$714,339 Land $24,600 Building $689,739
2023	$4,442.00

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 405 N Pine Island Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1993–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2006 · 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

Wildfire risk around 405 N Pine Island Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · above 47% of Arizona
Wildfire Likelihood	0.2% 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30