4103 E Montgomery Rd, Cave Creek, AZ 85331 Property Records

Maricopa County property record for 4103 E Montgomery Rd, Cave Creek, AZ 85331

Property Summary

Property Type	Rural Home
Details	3 ba · 2,284 sqft · built 1990
Lot Size	0.173 acres (7,542 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Oct 2018)
Tax Bill	$1,826 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`211-62-202`

Property Details

APN / Parcel Number

Primary APN	`211-62-202`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,284 sqft Living Area
1st Floor Area	2,284 sqft

Exterior

Year Built	Built 1990
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	7,542 sqft (0.173 acres)
Parking Spaces	3 Parking Spaces
Pool Area	380 sqft
Patio Area	382 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	4103 E MONTGOMERY RD
City	CAVE CREEK
State	AZ
Zip	85331-5848
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1-8
Legal Description	DESERT WILLOW ESTATES AT TATUM RANCH REPLAT MCR 337/21
Legal Range	04E
Legal Township	05N
Legal Section	19
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	DESERT WILLOW ESTATES AT TATUM RANCH REP
Legal Lot Number	24
Jurisdiction	MARICOPA AZ
Township / Civil Division	DEER VALLEY
Census Block Group	2
Census Block	2017
Census Tract	612600

Owner

4103 E Montgomery Rd, a rural home, is owned and occupied by an individual who bought it in October 2018.

Source: Maricopa County records, as of November 20, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4103 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5848
Occupancy	Owner Occupied
Owner Type	Individual

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
May 1, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 26, 2018	Warranty Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP
Jun 29, 2018	Warranty Deed, Construction Loan · Construction Mortgage DEUTSCHE BANK NATIONAL TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	20180802964
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	4103 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5848
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000375127
Date	May 1, 2020
Instrument	20200375127

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Oct 26, 2018
Property Address	4103 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5848
Document Number	0000802964
Map Reference	DOC90-101470
Instrument Date	Oct 25, 2018
Instrument	20180802964
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	OPENDOOR WEST LLC

Transaction

Amount	Amount 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	405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4103 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5848
Investor	Possibly a Property Investor

Mortgage

Document Number	0000802965
Date	Oct 26, 2018
Instrument	20180802965

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

June 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Jun 29, 2018
Property Address	4103 E MONTGOMERY RD, CAVE CREEK, AZ 85331-5848
Document Number	0000498694
Map Reference	MB 337 PG 21
Instrument Date	Jun 27, 2018
Instrument	20180498694
Transaction Type	Construction Loan
Record Updated	Jul 18, 2022
Title Company	OPENDOOR WEST LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4103 E MONTGOMERY RD, 4103, CAVE CREEK, AZ 85331-5848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 HOWARD ST STE 550, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Mortgage

Document Number	0000498695
Date	Jun 29, 2018
Instrument	20180498695

Lender

Name	DEUTSCHE BANK NATIONAL TRUST CO
Type	REO / Foreclosure Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4103 E Montgomery Rd was $1,826.

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

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Phoenix City
Unified School District	Cave Creek Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,880	$578,800 Land $115,700 Building $463,100
2025	$1,826.00
2024		$60,030	$600,300 Land $120,000 Building $480,300
2023	$2,111.00

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

FEMA maps place 4103 E Montgomery Rd in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4103 E Montgomery Rd is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · above 47% of Arizona
Wildfire Likelihood	0.1% 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	CITY OF PHOENIX serves 1,695,000 people · EPA ID AZ0407025
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
AirFiber WISP Fixed Wireless	1,000 / 500
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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