Gila County property record for 407 W Saddle Ln, Payson, AZ 85541
| Property Type | Single Family Home |
|---|---|
| Details | 1,168 sqft · built 1996 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (Apr 2017) |
| Tax Bill | $1,272 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-36-173 |
| Primary APN | 302-36-173 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,168 sqft Living Area |
| 1st Floor Area | 1,168 sqft |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asbestos |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Patio Area | 56 sqft |
| Heating System | Forced Air |
|---|
| Account Number | R022099 |
|---|---|
| Street Address | 407 W SADDLE LN |
| City | PAYSON |
| State | AZ |
| Zip | 85541-3043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 04 SECTION: 28 TOWNSHIP: 11N RANGE: 10E LOT 4 , PAYSON RANCHOS #3 , PLAT 348 SEC 28 T11N R10E = 0.14 AC |
| Legal Range | 10E |
| Legal Township | 11N |
| Legal Section | 28 |
| Legal Subdivision | PAYSON RANCHOS |
| Legal Lot Number | 4 1002 |
| Jurisdiction | GILA AZ |
| Township / Civil Division | PAYSON |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 302 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 407 W SADDLE LN, PAYSON, AZ 85541-3043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 12, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2017 · Amount on Record |
| Deed Sale | Apr 12, 2017 · Amount on Record |
| Prior Sale | Apr 12, 2017 · Amount on Record |
| Deed Document Number | 2017-003554 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILA AZ |
| Property Address | 407 W SADDLE LN, PAYSON, AZ 85541-3043 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 407 W SADDLE LN, PAYSON, AZ 85541-3043 |
| Document Number | 0000010376 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 2021-010376 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILA AZ |
| Recording Date | Apr 12, 2017 |
| Property Address | 407 W SADDLE LN, PAYSON, AZ 85541-3043 |
| Document Number | 0000003554 |
| Map Reference | MAP349 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 2017-003554 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2021 |
| Title Company | PIONEER TITLE AGENCY RECORDI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 W SADDLE LN, PAYSON, AZ 85541-3043 |
| Document Number | 0000003556 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 2017-003556 |
| Name | AMERICAN PACIFIC MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Gila County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Arizona |
| County | Gila County |
| Municipality | Payson Town |
| Unified School District | Payson Unified District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,289 (+8.28%) Land $5,135 Building $21,154 | $262,895 (+8.28%) Land $51,352 Building $211,543 | |
| 2025 | $1,272.00 (+7.71%) | ||
| 2024 | $24,279 Land $2,969 Building $21,310 | $242,796 Land $29,691 Building $213,105 | |
| 2023 | $1,181.00 |
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.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2004–2019) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2019 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 65% of Arizona |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 183 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 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures