406 S Arroyo Dr, Payson, AZ 85541 Property Records

Gila County property record for 406 S Arroyo Dr, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	3,744 sqft · built 1993
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$348,000 (Feb 2020)
Tax Bill	$3,512 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304-09-103`

Property Details

APN / Parcel Number

Primary APN	`304-09-103`
Alternative APNs	`R032386` `032386`

Interior

Stories	2 Stories
Building Area	3,744 sqft Living Area
Gross Area	4,320 sqft
1st Floor Area	1,248 sqft
Basement Area	1,792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	150 sqft
Deck Area	Deck Area
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	A/C Chilled Water
Heating System	Hot Water

Location & Zoning

Account Number	R032386
Street Address	406 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 96, WILDWOOD, PLAT 595NE1/4 SW1/4 SEC 5 T10N R10E = 0.25 AC(OUT OF 304-09-003)
Legal Range	10E
Legal Township	10N
Legal Section	05
Legal Subdivision	WILDWOOD
Legal Lot Number	96
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1007
Census Tract	301

Owner

Source: Gila County records, as of February 9, 2026

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	406 S ARROYO DR, PAYSON, AZ 85541-4534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Feb 12, 2020	Joint Tenancy Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
Jun 28, 2017	Deed of Trust, Mortgage · Line of Credit ONEAZ CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020 · Amount on Record
Deed Sale	Feb 12, 2020 · Amount on Record
Prior Sale	Mar 7, 2012 · Amount on Record
Deed Document Number	20201488
Prior Transfer Date	Jan 29, 2020
Prior Transfer Doc	0000001488
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	406 S ARROYO DR, PAYSON, AZ 85541-4534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005363
Date	May 15, 2020
Instrument	2020-005363

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

February 2020: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	GILA AZ
Recording Date	Feb 12, 2020
Property Address	406 S ARROYO DR, PAYSON, AZ 85541-4534
Document Number	0000001488
Map Reference	MAP 595
Instrument Date	Jan 29, 2020
Instrument	2020-001488
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 N STAGECOACH PASS, 204, PAYSON, AZ 85541-6245

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 S ARROYO DR, PAYSON, AZ 85541-4534

Mortgage

Document Number	0000001489
Date	Feb 12, 2020
Instrument	2020-001489

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	406 S ARROYO DR, PAYSON, AZ 85541-4534
Document Number	0000006468
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	406 S ARROYO DR PAYSON AZ 855414534, PAYSON, AZ 85541-4534

Mortgage

Document Number	0000006468
Date	Jul 6, 2017
Instrument	6468

Lender

Name	ONEAZ CU
Address	PHOENIX, AZ 85027

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 5, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$50,162 (+2.3%) Land $6,833 Building $43,329	$501,620 (+2.3%) Land $68,330 Building $433,290
2025	$3,512.00 (+7.7%)
2024		$49,034 Land $6,492 Building $42,542	$490,344 Land $64,920 Building $425,424
2023	$3,261.00

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
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

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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