406 N Laredo Ln, Payson, AZ 85541 Property Records

Gila County property record for 406 N Laredo Ln, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,582 sqft · built 2000
Lot Size	0.269 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Aug 2013)
Tax Bill	$2,750 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`304-58-015`

Property Details

APN / Parcel Number

Primary APN	`304-58-015`
Alternative APNs	`R034701` `034701`

Interior

Stories	1 Story
Building Area	1,582 sqft Living Area
1st Floor Area	1,582 sqft

Exterior

Year Built	Built 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asbestos
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	210 sqft
Canopy	162 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	R034701
Street Address	406 N LAREDO LN
City	PAYSON
State	AZ
Zip	85541-4345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 04 TOWNSHIP: 10N RANGE: 10E LOT 15 OF TIMBER RIDGE ESTATES II OF PLAT 663NE1/4 SEC 4 T10N R10E = 0.27 AC (OUT OF
Legal Range	10E
Legal Township	10N
Legal Section	04
Legal Subdivision	FOREST PARK/TIMBER RIDGE
Legal Block	10N
Legal Lot Number	15
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	2
Census Block	2006
Census Tract	301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	208 W ASH CREEK CT, PAYSON, AZ 85541
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2013 · Amount on Record
Deed Sale	Aug 12, 2013 · Amount on Record
Prior Sale	Aug 12, 2013 · Amount on Record
Deed Document Number	0000009491
Last Transfer Date	Jan 3, 2017
Transfer Doc	0000000065
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	406 N LAREDO LN, PAYSON, AZ 85541-4345
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000775
Date	Jan 20, 2021
Instrument	2021-000775

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jan 3, 2017
Property Address	406 N LAREDO LN, PAYSON, AZ 85541-4345
Document Number	0000000065
Instrument Date	Dec 20, 2016
Instrument	65
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	406 N LAREDO LN PAYSON AZ 855414345, PAYSON, AZ 85541-4345

Mortgage

Document Number	66
Date	Jan 3, 2017
Instrument	66

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2047

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		$40,056 (+2.56%) Land $6,967 Building $33,089	$400,560 (+2.56%) Land $69,666 Building $330,894
2025	$2,750.00 (+23.43%)
2024		$39,057 Land $6,620 Building $32,437	$390,572 Land $66,203 Building $324,369
2023	$2,228.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Jul 2021 · other causes

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	Low lower than 80% of the US · lower than 87% of Arizona
Wildfire Likelihood	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	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 169 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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