406 S St Phillips St, Payson, AZ 85541 Property Records

Gila County property record for 406 S St Phillips St, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,523 sqft · built 1992
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$2,074 (2025)
Deeds & Mortgages	Jun 2021 Sale & Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304-04-047A`

Property Details

APN / Parcel Number

Primary APN	`304-04-047A`
Alternative APNs	`R030481` `030481`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,523 sqft Living Area
1st Floor Area	1,523 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asbestos
Lot Area	13,068 sqft (0.3 acres)

Exterior Amenities

Porch	Slab
Porch Area	151 sqft
Deck Area	Deck Area
Patio Area	377 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R030481
Street Address	406 S ST PHILLIPS ST
City	PAYSON
State	AZ
Zip	85541-5141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: P01 SECTION: 03 TOWNSHIP: 10N RANGE: 10E NORTH 85.0 LOT 1, MOGOLLON RIM ADDITION PLAT FIVE, PLAT 224SE1/4 SEC 3 T10N R10E = 0.30 AC
Legal Range	10E
Legal Township	10N
Legal Section	03
Legal Subdivision	MOGOLLON RIM ADD
Legal Lot Number	P01,1
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	1
Census Block	1013
Census Tract	500

Owner

Source: Gila County records, as of March 30, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	406 S ST PHILLIPS ST, PAYSON, AZ 85541-5141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Warranty Deed, Transfer · Line of Credit AMERICAN FINANCIAL RESOURCES INC
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021
Deed Sale	Jun 3, 2021
Prior Sale	Oct 26, 2005 · Amount on Record
Deed Document Number	20218077
Prior Transfer Date	Aug 9, 2016
Prior Transfer Doc	0000007373
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jun 3, 2021
Property Address	406 S ST PHILLIPS ST, PAYSON, AZ 85541-5141
Document Number	0000008077
Map Reference	MAP 224
Instrument Date	May 19, 2021
Instrument	2021-008077
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	PEOPLES TITLES INC, 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 HERITAGE DR APT 229, 901, SARTELL, MN 56377-4787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 S TONTO ST # S, S, PAYSON, AZ 85541-4380

Mortgage

Document Number	0000008078
Date	Jun 3, 2021
Instrument	2021-008078

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	406 S ST PHILLIPS ST, PAYSON, AZ 85541-5141
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002407
Date	Mar 2, 2020
Instrument	2020-002407

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILA AZ
Property Address	406 S ST PHILLIPS ST, PAYSON, AZ 85541-5141
Document Number	0000006519
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018
Title Company	CT LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 S ST PHILLIPS ST PAYSON AZ 855415141, PAYSON, AZ 85541-5141

Mortgage

Document Number	0000006519
Date	Jun 18, 2018
Instrument	6519

Lender

Name	COMPASS BK
Type	Bank
Address	PAYSON, AZ 85547

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 17, 2043

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		$34,042 (+8.54%) Land $7,064 Building $26,978	$340,415 (+8.54%) Land $70,640 Building $269,775
2025	$2,074.00 (+69.44%)
2024		$31,364 Land $4,520 Building $26,844	$313,643 Land $45,204 Building $268,439
2023	$1,224.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 30, 2025

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 71% of Arizona
Wildfire Likelihood	0.04% 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 507 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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