405 W Sandra Ter, Phoenix, AZ 85023 Property Records

Maricopa County property record for 405 W Sandra Ter, Phoenix, AZ 85023

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,618 sqft · built 1985
Lot Size	0.134 acres (5,814 sqft)
Owner	Individual Name on File
Last Sale	$429,999 (Oct 2026)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`208-34-171`

Property Details

APN / Parcel Number

Primary APN	`208-34-171`
Alternative APN	`208341711`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	1,808 sqft
1st Floor Area	1,618 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Block Painted
Construction Type	Concrete Block
Roof Material	Asphalt
Lot Area	5,814 sqft (0.134 acres)
Parking Spaces	2 Parking Spaces
Pool Area	400 sqft
Porch	Slab
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 W SANDRA TER
City	PHOENIX
State	AZ
Zip	85023-3546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-L
Legal Description	TURTLE CREEK MCR 249-12
Legal Range	3E
Legal Township	3N
Legal Section	5
Legal Subdivision	TURTLE CREEK
Legal Lot Number	171
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	2
Census Block	2020
Census Tract	103604

Owner

405 W Sandra Ter is owned and occupied by an individual who bought it in October 2026.

Source: Maricopa County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	405 W SANDRA TER, PHOENIX, AZ 85023-3546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Oct 15, 2026	Warranty Deed, Transfer · Conventional Mortgage EFINITY FINANCIAL
Mar 13, 2019	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
Jul 13, 2020	Loan Modification, Mortgage · Conventional Mortgage FIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2026 · Amount on File
Deed Sale	Oct 15, 2026 · Amount on File
Prior Sale	Jan 20, 2012 · Amount on File
Deed Document Number	2026598224
Prior Transfer Date	Dec 28, 2011
Prior Transfer Doc	0000049535
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 15, 2026
Property Address	405 W SANDRA TER, PHOENIX, AZ 85023-3546
Document Number	0000598224
Instrument Date	Oct 13, 2026
Instrument	2026598224
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 W SANDRA TER, PHOENIX, AZ 85023-3546

Mortgage

Document Number	0000598225,
Date	Oct 15, 2026
Instrument	2026598225

Lender

Name	EFINITY FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	405 W SANDRA TER, PHOENIX, AZ 85023-3546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S COUNTRY CLUB AVE, BRANDON, SD 57005-6640

Mortgage

Document Number	0000171945
Date	Mar 13, 2019
Instrument	20190171945

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	SIOUX FALLS, SD 57101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Feb 7, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARICOPA AZ
Property Address	405 W SANDRA TER, PHOENIX, AZ 85023-3546
Document Number	0000662120
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S COUNTRY CLUB AVE BRANDON SD 570056640, BRANDON, SD 57005-6640

Mortgage

Document Number	0000662120
Date	Jul 23, 2020
Instrument	662120

Lender

Name	FIRST BK
Type	Bank
Address	SIOUX FALLS, SD 57101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 22, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 405 W Sandra Ter was $2,548, up 3.9% from the year before.

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		$37,760 (+69.65%)	$377,600 (-0.55%) Land $75,500 Building $302,100
2025	$2,548.00 (+3.87%)	$22,257 (-44.23%)	$379,700 (-4.86%) Land $75,900 Building $303,800
2024	$2,453.00	$39,910	$399,100 Land $79,800 Building $319,300
2022	$2,585.00

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 W Sandra Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 W Sandra Ter is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Arizona
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 850 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	400 / 150
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: T-Mobile.

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