409 S Tonto St, Payson, AZ 85541 Property Records

Gila County property record for 409 S Tonto St, Payson, AZ 85541

Property Summary

Property Type	Single Family Home
Details	1,865 sqft · built 1962
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2020)
Tax Bill	$3,212 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`304-03-103B`

Property Details

APN / Parcel Number

Primary APN	`304-03-103B`
Alternative APNs	`30403103` `R031821` `031821`

Interior

Stories	1 Story
Building Area	1,865 sqft Living Area
1st Floor Area	1,865 sqft

Exterior

Year Built	Built 1962
Construction Type	Concrete
Roof Material	Asbestos
Lot Area	13,504 sqft (0.31 acres)

Exterior Amenities

Porch	Porch
Porch Area	174 sqft
Patio Area	16 sqft
Canopy	102 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	R031821
Old Parcel Number	30403103
Street Address	409 S TONTO ST
City	PAYSON
State	AZ
Zip	85541-4848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: P13 SECTION: 04 TOWNSHIP: 10N RANGE: 10E LOT 13B , ROS 2916 NE1/4 SE1/4 SEC 4 T10N R10E = 0.31 AC (OUT OF 304-03-103)
Legal Range	10E
Legal Township	10N
Legal Section	04
Legal Subdivision	PAYSON TOWNSITE/PAYSON HEIGHTS
Legal Lot Number	13B
Jurisdiction	GILA AZ
Township / Civil Division	PAYSON
Census Block Group	3
Census Block	3003
Census Tract	301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	409 S TONTO ST, PAYSON, AZ 85541-4848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Deed Document Number	2020-008765
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILA AZ
Recording Date	Jul 30, 2020
Property Address	409 S TONTO ST, PAYSON, AZ 85541-4848
Document Number	0000008765
Map Reference	MAP 151
Instrument Date	Jul 20, 2020
Instrument	2020-008765
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1856, PAYSON, AZ 85547-1856

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3103 FOLSOM ST, LOS ANGELES, CA 90063-2825

Mortgage

Document Number	0000008766
Date	Jul 30, 2020
Instrument	2020-008766

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

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

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		$55,976 (+43.36%) Land $7,161 Building $48,815	$559,761 (+43.35%) Land $71,610 Building $488,151
2025	$3,212.00 (+7.71%)
2024		$39,047 Land $4,602 Building $34,445	$390,474 Land $46,021 Building $344,453
2023	$2,982.00

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	2 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	Low lower than 66% of the US · lower than 73% of Arizona
Wildfire Likelihood	0.02% 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 359 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
AT&T Fixed Wireless	100 / 20