405 S Arroyo Dr, Payson, AZ 85541 Property Records

Gila County property record for 405 S Arroyo Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,408 sqft · built 1988
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on File
Tax Bill	$2,879 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`304-09-102`

Property Details

APN / Parcel Number

Primary APN	`304-09-102`
Alternative APNs	`R032382` `032382`

Interior

Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	704 sqft
Finished Basement	704 sqft

Exterior

Year Built	Built 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asbestos
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Built-in
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	440 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	R032382
Street Address	405 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 95 , WILDWOOD , PLAT 595NE1/4 SW1/4 SEC 5 T10N R10E = 0.31 AC(OUT OF 304-09-003)
Legal Range	10E
Legal Township	10N
Legal Section	05
Legal Subdivision	WILDWOOD/FAIRWAY KNOLLS/GREENF
Legal Lot Number	95 1002
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1007
Census Tract	301

Owner

405 S Arroyo Dr is owned by a company that acquired it in February 2024.

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

Owner of Record	Company Name on File
Mailing Address	610 E BELL RD STE 2-120, 2-120, PHOENIX, AZ 85022-2347
Owner Type	Company

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
Feb 7, 2024	Warranty Deed, Transfer
Jul 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 24, 2022	Warranty Deed, Transfer
Jun 24, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2024
Deed Sale	Feb 7, 2024
Prior Sale	Jun 24, 2022 · Amount on File
Deed Document Number	2024001165
Prior Transfer Date	Jul 15, 2022
Prior Transfer Doc	2022-009109
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Feb 7, 2024
Property Address	405 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000001165
Map Reference	MAP 595
Instrument Date	Jan 1, 2024
Instrument	2024-001165
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E BELL RD STE 2-120, 2-120, PHOENIX, AZ 85022-2347

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jul 15, 2022
Property Address	405 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000009109
Map Reference	MAP 595
Instrument Date	Jul 13, 2022
Instrument	2022-009109
Transaction Type	Transfer
Record Updated	Feb 29, 2024
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	610 E BELL RD # RD2-120, RD2-120, PHOENIX, AZ 85022-2393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E BELL RD STE 2-120, 2-120, PHOENIX, AZ 85022-2347

Mortgage

Document Number	0000009111
Date	Jul 15, 2022
Instrument	2022-009111

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jun 24, 2022
Property Address	405 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000008253
Map Reference	MAP 595
Instrument Date	Jun 22, 2022
Instrument	2022-008253
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount 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
Address	610 E BELL RD STE 2-120, 2-120, PHOENIX, AZ 85022-2347

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jun 24, 2022
Property Address	405 S ARROYO DR, PAYSON, AZ 85541-4535
Document Number	0000008252
Map Reference	MAP 595
Instrument Date	Jun 14, 2022
Instrument	2022-008252
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount 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
Address	610 E BELL RD STE 2-120, 2-120, PHOENIX, AZ 85022-2347

Tax Assessment & Valuation

The 2025 property tax bill for 405 S Arroyo Dr was $2,879.

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		$36,708 Land $7,212 Building $29,496	$367,080 Land $72,125 Building $294,955
2025	$2,879.00
2024		$35,817 Land $6,857 Building $28,960	$358,164 Land $68,567 Building $289,597
2023	$2,685.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 405 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 405 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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