4085 S Pack Saddle, Flagstaff, AZ 86005 Property Records

Coconino County property record for 4085 S Pack Saddle, Flagstaff, AZ 86005

Property Summary

Property Type	Single Family Home
Details	2,395 sqft · built 2016
Lot Size	0.269 acres (11,761 sqft)
Owner	Trust Name on File
Last Sale	$1,100,000 (Jul 2022)
Tax Bill	$5,486 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`116-58-286`

Property Details

APN / Parcel Number

Primary APN	`116-58-286`
Alternative APN	`R0095774`

Interior

Stories	1 Story
Building Area	2,395 sqft Living Area

Exterior

Year Built	Built 2016
Lot Area	11,761 sqft (0.269 acres)

Location & Zoning

Account Number	R0095774
Street Address	4085 S PACK SADDLE
City	FLAGSTAFF
State	AZ
Zip	86005-2310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: ASPEN SHADOWS AM LOT: 48 SIXTEENTH: NW QUARTER: NW SECTION: 25 TOWNSHIP: 21N RANGE: 06E SIXTEENTH: SW QUARTER: N
Legal Range	06E
Legal Township	21N
Legal Section	25
Legal Subdivision	ASPEN SHADOWS AM
Legal Lot Number	48
Jurisdiction	COCONINO AZ
Township / Civil Division	FLAGSTAFF
Census Block Group	1
Census Block	1034
Census Tract	2201

Owner

4085 S Pack Saddle is held in a trust since July 2022.

Source: Coconino County records, as of November 5, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	7410 E SAN MIGUEL AVE, SCOTTSDALE, AZ 85250-6446
Owner Type	Company
Vesting	Trust

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 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNSTREET MORTGAGE LLC
Jul 22, 2022	Warranty Deed, Transfer PIONEER TITLE AGENCY INC
Nov 22, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 13, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	Jan 13, 2017 · Amount on File
Deed Document Number	3955643
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCONINO AZ
Property Address	4085 S PACK SADDLE, FLAGSTAFF, AZ 86005-2310
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	PIONEER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003856725
Date	Oct 30, 2019
Instrument	3856725

Lender

Name	SUNSTREET MORTGAGE LLC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCONINO AZ
Recording Date	Jul 22, 2022
Property Address	4085 S PACK SADDLE, FLAGSTAFF, AZ 86005-2310
Document Number	0003955643
Instrument Date	Jul 13, 2022
Instrument	3955643
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7410 E SAN MIGUEL AVE, SCOTTSDALE, AZ 85250-6446

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COCONINO AZ
Recording Date	Nov 22, 2019
Property Address	4085 S PACK SADDLE, FLAGSTAFF, AZ 86005-2310
Document Number	0003858780
Instrument Date	Nov 21, 2019
Instrument	3858780
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4085 S PACK SADDLE FLAGSTAFF AZ 860052310, FLAGSTAFF, AZ 86005-2310

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COCONINO AZ
Recording Date	Jan 13, 2017
Property Address	4085 S PACK SADDLE, FLAGSTAFF, AZ 86005-2310
Document Number	0003774670
Instrument Date	Dec 12, 2016
Instrument	3774670
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2374 W CRIPPLE CREEK DR FLAGSTAFF AZ 860012679, FLAGSTAFF, AZ 86001-2679

Mortgage

Document Number	3774671
Date	Jan 13, 2017
Instrument	3774671

Lender

Name	STEARNS LNDG
Address	SANTA ANA, AZ 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4085 S Pack Saddle was $5,486.

Source: Coconino County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Coconino County
Unified School District	Flagstaff Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$108,549 Land $21,613 Building $86,936
2025	$5,486.00		$1,085,485 Land $216,130 Building $869,355
2024		$112,677 Land $18,713 Building $93,964
2023	$5,351.00		$1,126,762 Land $187,125 Building $939,637

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 4085 S Pack Saddle in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · 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 8 (10% premium discount)
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

Wildfire risk around 4085 S Pack Saddle is very high, ranking above 94% of the US, with a 2% annual chance of wildfire.

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

Wildfire Risk	Very High above 94% of the US · above 92% of Arizona
Wildfire Likelihood	2% annual chance
Exposure	None beyond ember reach

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	CS FLAGSTAFF RANCH WATER COMPANY public/private · serves 350 people · EPA ID AZ0403088
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Arsenic resolved · Jul 2018
Treatment and Procedure	Coliform assessment currently in violation since Dec 2023 Sanitary survey deficiency not corrected Sep 2019
Monitoring and Reporting	18 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bluespan Wireless.

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